Sentences with phrase «insurance as a hedge»

Since you can't guarantee there will never be a theft or a fire that will cause you a loss, you buy insurance as a hedge against that risk.

What most of us don't do, however, is consider insuring particular parts of our bodies, or using insurance as a hedge against seemingly impossible things occurring, like an alien abduction.

Since you can't guarantee there will never be a theft or a fire that will cause you a loss, you buy insurance as a hedge against that risk.

Not exact matches

In his current role as President and Chief Strategist of Optimize Advisors, Mike uses pioneering and proprietary artificial intelligence technology to advise hedge funds, banks, pensions, mutual funds, insurance companies, and family offices in the effective use of listed options for enhancing returns and managing risk.

This discussion also does not consider any specific facts or circumstances that may be relevant to holders subject to special rules under the U.S. federal income tax laws, including, without limitation, certain former citizens or long - term residents of the United States, partnerships or other pass - through entities, real estate investment trusts, regulated investment companies, «controlled foreign corporations,» «passive foreign investment companies,» corporations that accumulate earnings to avoid U.S. federal income tax, banks, financial institutions, investment funds, insurance companies, brokers, dealers or traders in securities, commodities or currencies, tax - exempt organizations, tax - qualified retirement plans, persons subject to the alternative minimum tax, persons that own, or have owned, actually or constructively, more than 5 % of our common stock and persons holding our common stock as part of a hedging or conversion transaction or straddle, or a constructive sale, or other risk reduction strategy.

Our global sales function connects Morgan Stanley's resources with our institutional clients, such as banks, insurance companies, hedge funds, money managers, pension funds and mutual funds.

It does not discuss all aspects of U.S. federal income taxation that may be relevant to particular holders in light of their particular circumstances or to holders subject to special rules under the Code (including, but not limited to, insurance companies, tax - exempt organizations, financial institutions, broker - dealers, partners in partnerships (or entities or arrangements treated as partnerships for U.S. federal income tax purposes) that hold HP Co. common stock, pass - through entities (or investors therein), traders in securities who elect to apply a mark - to - market method of accounting, stockholders who hold HP Co. common stock as part of a «hedge,» «straddle,» «conversion,» «synthetic security,» «integrated investment» or «constructive sale transaction,» individuals who receive HP Co. or Hewlett Packard Enterprise common stock upon the exercise of employee stock options or otherwise as compensation, holders who are liable for the alternative minimum tax or any holders who actually or constructively own 5 % or more of HP Co. common stock).

Think of this as the insurance premium on top of the incremental management cost to put on the hedges.

I believe in currency hedging, but only as an insurance policy against the underlying exposure.

Over the course of his career, Mr. Maddox has helped create and distribute more than a dozen different mutual fund, variable annuity, and hedge fund complexes for banks, insurance companies, and independent investment advisors, and has served as the chief accounting officer, treasurer, vice president, and president of many of these funds.

The firm provides pricing data to more than 5,000 customers including many of the firms that use ICE's markets and services, such as asset managers, hedge funds, banks and insurance companies.

You'll have been purchasing «paid - up insurance» for the rest of your holdings, hedging more as time goes on.

With the ECB, BoJ and certainly the Feds, the dynamic hedges are missing from the market, but they are going to resurrect themselves as more paper winds up in the hands of private holdings whether it be by pension funds or insurance companies.

But even more importantly, aside from being a long - term store of value, gold is a hedge — a form of money that acts as an insurance policy against a dangerously overleveraged financial system.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

He hopes to sell satellite data to investors in oil and gas companies, such as hedge funds, and to government agencies, environmental groups and insurance companies that might want to monitor a company's progress in reducing emissions.

Li is one of hundreds of millions of Chinese farmers who are now using insurance as a tool to hedge against the risks of climate change.

You could probably get $ 100,000 of life insurance coverage on a typical non-smoking student for as little as $ 10 — $ 15 or so per month, making it a very inexpensive way to hedge your risk.

The company's products and services addresses multiple markets, asset classes and geographies and are sold to a diverse client base, including asset owners, such as pension funds, endowments, foundations, central banks, family offices and insurance companies; institutional and retail asset managers, such as managers of pension assets, mutual funds, exchange traded funds, real estate, hedge funds and private wealth; financial intermediaries, such as banks, broker - dealers, exchanges, custodians and investment consultants; and corporate clients.

Variable investments with either life insurance OR an annuity may have its place as a hedge against inflation AS DOES a safe bucket investment as a hedge against inevitable economic downturns and part of a solid asset protection plaas a hedge against inflation AS DOES a safe bucket investment as a hedge against inevitable economic downturns and part of a solid asset protection plaAS DOES a safe bucket investment as a hedge against inevitable economic downturns and part of a solid asset protection plaas a hedge against inevitable economic downturns and part of a solid asset protection plan.

Variable Universal Life Insurance ties policy growth to investments in the financial markets such as mutual funds or even hedge funds

When I worked for a hedge fund as an insurance analyst, they called me the weatherman.

The best way to understand hedging is to think of it as insurance.

In August 2003, after I had taken a job as an insurance equity analyst at a financial services only hedge fund, Cramer e-mailed me, asking me to write for RealMoney.

I actually can't see the logic except possibly as a hedge (insurance) and you need to manage your «insurance premium» based on your account size.

After identifying a large set of hedge fund managers, they match managers to cars and car characteristics via VIN Place, Autocheck, cars.com, cars - data and the Insurance Institute for Highway Safety, categorizing cars as sports cars, minivans or other based on body style.

Think of hedging as insurance.

These investors might be individuals or institutional investors, such as hedge funds, life insurance companies or banks.

Finally, some marketplace lenders are only open to institutional investors, such as hedge funds, commercial banks, pension or endowment funds and life insurance companies.

Insurance is not free and this is true with hedging as well, while using a hedging strategy your potential profits are reduced, as well as your potential losses.

Hedging acts as a sort of insurance for the investor in the event of a negative outcome.

I am an actuary as well as a value investor, and have been a buy - side analyst in a hedge fund where I focused on the insurance industry.

I use currency neutral funds in my portfolio and view the higher MER from holding a currency hedged fund as taking out a little insurance against a drop in the US dollar.

Too many are basically newbies that failed getting rich quick by running a hedge fund, or are just as much of a rookie as a new high school graduate getting their insurance or securities license.

Add to that the Japanese carry trade (borrow in Japan at negligible interest rates and invest elsewhere), and you get distortions — especially from fixed income investors such as banks, insurance companies, pension funds and hedge funds, all chasing higher yields.

A hedge is basically an insurance policy, something you do to get rid of a risk you got as a side - effect of something else you did want to take on.

So if there is a real, though unquantifiably small, possibility of catastrophic climate change, and if we would ideally want some technological hedges as insurance against this unlikely scenario, and if raising the price of carbon to induce private economic actors to develop the technologies would be an enormously more expensive means of accomplishing this than would be advisable, then what, if anything, should we do about the danger?

Between these two extremes is a reasonable, balanced middle position, which is: We're not certain exactly what the effects of climate change will be, but the potential risks are large, so it's worth hedging our bets by acting to reduce emissions as an «insurance policy.»

This includes a wide range of claims including mis - sold insurance policies such as PPI, under - performing investments, timeshare and renewable energy products and interest rate hedging products.

Heidi also works closely with our senior director team, working both with our corporate client base as well arranging hedging solutions directly for our key law firm clients, including DBA Insurance and Contingency Fee Insurance.

Despite this initial failure and despite the ongoing credit crunch biting, proponents of the property derivative market are optimistic, buoyed by a period of record trades in the property derivatives market (currently a trillion dollar market) as dealers, institutional investors, portfolio managers, pensions, hedge funds, insurance companies and other end users turn from bricks and mortars to derivatives.

In some instances, the purchasing company may purchase a life insurance policy as a hedge in case of death in a settlement transfer.

Whilst third party funding may often be the obvious starting point for lawyers and their clients considering alternative litigation finance, Litigation Insurance should not be overlooked as a complimentary or potentially alternative way to hedge litigation risk, which when used creatively can significantly improve the overall litigation finance deal cost and maximise the claimant's net recovery from successful litigation.

With tax rates constantly changing, life insurance can also function as a hedge against future tax rate hikes.

Hedge funds and funds of funds often create a version of their flagship offering as an IDF that uses all the same strategies and managers but is also managed to adhere to laws and regulations that govern insurance portfolios.

The typical investors in life settlement portfolios are sophisticated entities such as banks, insurance companies, pension funds and hedge funds.

The Bottom Line Your life insurance policy can be as simple as you want it to be, or it can be a complex product designed to complement your overall financial plan and hedge against losses, terminal illness expenses and probate.

Many families utilize term insurance as a low - cost way to hedge this risk of loss.

In case you want to hedge your bets and make your money work for you overtime, why not consider ULIPs that provide you a dual - benefit of an insurance as well as an investment.

Variable investments with either life insurance OR an annuity may have its place as a hedge against inflation AS DOES a safe bucket investment as a hedge against inevitable economic downturns and part of a solid asset protection plaas a hedge against inflation AS DOES a safe bucket investment as a hedge against inevitable economic downturns and part of a solid asset protection plaAS DOES a safe bucket investment as a hedge against inevitable economic downturns and part of a solid asset protection plaas a hedge against inevitable economic downturns and part of a solid asset protection plan.