Sentences with phrase «insurance at a future»

Ask your agent about options for a renewable term policy, as well as policy riders that include allowing you to purchase additional insurance at a future date regardless of your health, or converting a portion of your term into a permanent policy.

Additional Purchase Benefit: purchase additional insurance at future dates without evidence of insurability.

Examples of add - ons include the option to purchase child policies or more insurance at a future date without going through the medical exam process again.

This policy is ideal for younger people who may not be able to afford a whole policy, but still, want the protections of life insurance and the opportunity to upgrade to permanent life insurance at a future point.

Examples of add - ons include the option to purchase child policies or more insurance at a future date without going through the medical exam process again.

For example, some policy riders will allow you to purchase more insurance at a future date without a medical exam.

Ask your agent about options for a renewable term policy, as well as policy riders that include allowing you to purchase additional insurance at a future date regardless of your health, or converting a portion of your term into a permanent policy.

It gives the owner of the policy an ability to purchase additional life insurance at a future date without proof of insurability.

Not exact matches

More from @Work: AT&T's $ 1 billion gambit: Retraining nearly half its workforce for jobs of the future Get ready, this year your next job interview may be with an A.I. robot «Autonomous weapons are among the world's dumbest ideas»: A.I. CEO At FCCI, a Sarasota, Florida - based company that provides commercial property and casualty insurance through independent agents, 34 percent of the workforce is age 50 and older.

It cost every man, woman, and child in the United States 2000 dollars each to make sure the executives at AIG who wrote insurance and did not put capital reserves away to cover it were able to keep their pay, their bonuses, their future bonuses, and all of their personal assets.

At the same time, the bill is projected to send most of its individual tax breaks to the wealthy, eventually raise rates on the poorest Americans if a future Congress doesn't intervene, and lead to 13 million fewer Americans with health insurance by repealing Obamacare's individual mandate.

For those in this bracket of the work force, it is essential to realize just how much opportunity, benefits and advantages there are when it comes to having nonprofit insurance at hand, especially as a great means to a stable and secure future while at work and even through the years of retirement.

We think we'll be able to offer insurance products at better prices in the future when we can discern patterns that we can't see today.»

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.

Commonwealth Bank is also looking at the future of its global asset management business, after selling its life insurance unit last year.

«What this has caused us to do is to look at some type of an umbrella cancellation insurance policy to protect in the future,» Benson said.

«All of this is fuelling uncertainty over the future availability and affordability of insurance cover for buildings in areas at risk of flood.

By hastily rubber - stamping this deeply problematic proposal, the Committee has taken a step toward a future in which the lives of terminally - ill persons are treated as expendable, and in which insurance companies will be at liberty to make cost - saving coverage decisions that steer vulnerable individuals toward physician - assisted death.

In future, MPs should only be able to claim for rent or hotel costs, while the expenses scheme should only cover council tax, utility bills, telephone line rental and calls, security, contents insurance, and removals at the beginning and end of a tenancy.

«Looking to the future» to find out One of the most crucial challenges facing the UK insurance industry — Solvency II — will be discussed at an ABI conference on 31 October at the Grange Tower Bridge Hotel, London.

At 9 a.m., the state Senate Insurance and Health committees hold a public meeting on the demise of Health Republic and preparing for the future, Room 124, state Capitol, Albany.

But if you are not happy with the state of the world, then ask yourself whether in order to secure the future of your individual child or your grandchild, is it enough for you just to buy life insurance for your child or to take out a remainder trust or to pay your child's tuition at a good school.

At Holmes Insurance Agency, we take pride in assisting customers as they make decisions that help protect not only their vehicles, homes and boats, but also their families and financial future.

As a result, it's difficult, if not impossible, to price personal lines insurance policies for more than a year at a time, as a direct result of that limitation on how much of the future underwriters can see.

If you have young kids at home or plan to have you kids in the near future, you'll probably want at least a 20 year term life insurance policy.

One may still go - ahead and buy an insurance if you are going to have dependents in the near future as the premium at lower age would be less than the premium at higher age for the same sum assured.

Additionally, locking in to a term life insurance policy now will protect you in the future should you be diagnosed with a medical condition that may prevent you from qualifying for term life insurance at the best rates.

If you decide at some point in the future that you need to take out a new policy, you may have to pay a much higher premium as insurance companies base their rates in large part on your age on the date of issue.

A: A Fixed Index Annuity is an insurance product that offers a benefit that provides an opportunity to receive a steady, guaranteed lifetime income stream at a future date like retirement while protecting the principal from the uncertainty of market volatility.

While you should think of life insurance as an income replacement, you have to look at the bigger picture and consider everything you need to pay for, including future expenses such as what happens in the next 10 years when your kids start to grow up.

For the term insurance policies that are assumed purchased at renewal, we have assumed that current premiums would still be available in the future.

Such provisions, called guaranteed insurability riders or guaranteed purchase options, provide for the purchase of additional insurance at certain times in the future, regardless of any changes in health.

«Assuming the policy premiums are paid up, the policyowner would not be required to undertake a medical examination at any time in the future to maintain the insurance.

Annuity: A contract sold by a life insurance company that provides fixed or variable payments to an annuitant, either immediately or at a future date.

A contract with a life insurance company that provides a guaranteed stream of income payments for a fixed period of time or life (or both) beginning at a specified date years in the future.

This type of contract, usually sold by life insurance companies, pays a regular stream of income to the beneficiary or annuitant at some agreed - upon start date in the future.

The insurance provider will pledge to make steady payments to you promptly or at a specific date in the future.

A variable annuity works like a contract between an individual or business and an insurance company, under the terms of the contract insurance company will make periodic payments to the annuity investor, beginning either immediately or at some future date.

Termination Notwithstanding any of these terms and conditions, Term Life Insurance By Jeff reserves the right, without notice and in its sole discretion, to terminate your license to use this website, and at any time to block or prevent future access to and use of this website.

A contract usually sold by life insurance companies that guarantees an income to the beneficiary or annuitant at some time in the future.

That means there are certain things which may now or in the future become legal in PA but remain technically illegal at the Federal level which would not be covered by insurance, for obvious reasons.

Liability coverage on your Station Square at Cosner's Corner renters insurance protects your future in two ways.

If you want to avoid similar problems in future, try to keep your car expenses — including insurance, loan payments, maintenance, and gas — at no more than 20 % of your income.

If you have anything at all worth protecting or think you might in the future, it's well worth your time to consider adding an umbrella on renters insurance.

When you're purchasing insurance, you're essentially purchasing a promise that the company will pay for your losses at some indefinite future point in time.

Though it may have been your intention to repay them for this assistance at some point in the future, life insurance will make sure that happens even if you are not around to fulfill that promise.

Most people look at insurance as something that helps them reduce taxes and save for future.

At that time, FICO conducted numerous studies with insurers across the country to determine whether there's a statistical correlation between a person's credit score and the likelihood that he or she will file an auto insurance claim in the future.

Chances are you're going to need to buy life insurance at some point — particularly if kids are in your future, so it might be a good idea to apply now to take advantage of your good health.

According to Lamont Boyd, insurance underwriting expert at FICO, your credit - based insurance score is derived from a combination of factors in your credit reports and is used to help insurers better determine the likelihood you will file a future claim.