Sentences with phrase «insurance companies rate risk»

When Middletown families look to provide continued insurance on their assets, such as homes and vehicles, it's worth knowing just how insurance companies rate risk around Middletown and how to get the best and cheapest policies available with comparison shopping and smart considerations on the coverage needed to make policies effective.

Since every insurance company rates risk differently, reliance upon just one can be an expensive mistake.

Not exact matches

But that long history of data on past catastrophes does not exist in the cyber insurance policy world, says Stephen Boyer, the CTO and co-founder of risk - rating company BitSight, a company that assesses company risk for cyber policies written by AIG, Travelers, and others.

The company's Security Rating Platform continuously analyzes vast amounts of external data on security behaviors in order to help organizations manage third party risk, benchmark performance, and assess and negotiate cyber insurance premiums.

As savers, pension funds and insurance companies sought relief from the pain of low interest rates, the issue now is «whether they ended up taking up risks that were greater than they realized,» said Donald Kohn, the Fed's former vice chairman under Bernanke.

footnote ** Ratings of the insurance companies don't apply to the Vanguard Variable Annuity portfolios and don't provide protection against investment risk.

Different FIAs have different methods for helping the insurance company manage the risk, including participation rates and a spread or fee.

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.

Some insurance companies, he said, already use geographical ratings to assess weather damage risks and widespread adoption could soon follow.

We recommend starting with getting quotes from the companies that offer the best auto insurance rates for normal - risk drivers.

Underwriter: The insurance company's employee trained to evaluate an individual's risk and determining premium rates.

Once they're filed, those are the rates which an insurance company is allowed to charge for a particular set of risks that make up a given policy.

Conversely, the average returns tend to be lower than at risk investments such as stocks or real estate due to limitations set by the insurance company (usually represented by a contract fee or a cap, spread, or participation rate on the index allocation selected).

Insurance companies have discovered through various studies that those with poor credit ratings are a higher insurance risk than those with gooInsurance companies have discovered through various studies that those with poor credit ratings are a higher insurance risk than those with gooinsurance risk than those with good credit.

If you're very healthy, and there's little risk that the life insurance company will have to pay the death benefit, you'll get more affordable rates.

The more accidents in which you are involved, insurance companies will consider you to be a poor risk and will charge you much higher premium rates.

Some insurance companies consider married couples a lower risk and may reduce your rates.

However, your insurance company might consider the condition of your house an increased risk and raise your rates by 10 % the following year.

High - risk drivers, such as teens, who would receive expensive rates through other insurance companies

Even high - risk drivers might find another insurance company to be a better choice if they value great customer service and a painless claims process over low rates.

footnote ** Ratings of the insurance companies don't apply to the Vanguard Variable Annuity portfolios and don't provide protection against investment risk.

Some of the people who would benefit most from coverage through Root Insurance are high - risk drivers, such as teens, who would receive high auto insurance rates through other cInsurance are high - risk drivers, such as teens, who would receive high auto insurance rates through other cinsurance rates through other companies.

If you own a car that's stolen frequently, your insurance company will find that to be a higher risk and your insurance rates will go up accordingly.»

Some insurance companies consider married couples a lower risk and reduce your rates.

Remember that many companies have pulled out of the North Carolina property insurance market in recent years, largely because of a disconnect between what the state thinks are acceptable rates and what acceptable rates that represent the risk actually entail.

The crime rate in your ZIP code will significantly influence your rate, as insurance companies use it to determine your risk of theft losses.

This is because since home insurance companies are able to accurately asses risk - they are also able to set rates at appropriate levels for each customer.

Risk is one of the most important factors insurance companies consider when calculating insurance premium rates.

I mean, some life insurance companies do accept «high risk profile» proposals and offer Life cover either at regular rates or by loading the premium.

Lending risk is what all lenders (mortgages, auto, insurance, credit card companies etc) take into account when determining the dollar amount and rate at which they are willing to lend borrowers.

Actuary: An individual employed by an insurance company to calculate premium rates, reserves, dividends and other important figures using risk factors obtained from experience tables.

Being table rated means you'll pay a higher premium because the insurance companies carry more risk by insuring you.

Rating classes are risk categories that life insurance companies place you in based on the risk you represent.

The life insurance company will determine the risk you present and assign your policy to a particular rating class.

In addition to using your age and the state of your health to determine your rates, another major factor some life insurance companies will use to determine your level of risk is your family history.

Those are good starting points, but let's face it: Insurance companies are rating you based on the risk you present.

footnote † Ratings of the insurance company don't apply to the Vanguard portfolios and don't provide protection against investment risk.

Insurance companies will consider that reduced risk when they determine your rates, so you may already be receiving some policy discounts.

Remember that you're paying the insurance company to assume risk on your behalf, and they need all the facts in order to properly rate, underwrite, price, and insure that risk.

If you materially misrepresent the type of fire alarm you have, you could have a claim denied for something entirely unrelated like theft, because your lie induced the insurance company to write the policy in the first place, as well as impacted rating of the risk!

Most life insurance policies do require the applicant to undergo a physical exam, to determine how much of risk they may be to the insurance company, though there is the option of looking into a no medical exam life insurance policy, at a high premium rate.

In evaluating credit risk, the Company obtains, when available, the underlying rating of the insured obligation before the benefit of its insurance policy from nationally recognized rating agencies (Moody's, S&P and Fitch).

You can ask your insurance company if a credit - based insurance score was used to underwrite and rate your policy and which risk category you were placed in after you receive a quote.

Believe it or not, insurance companies base your rate on more than just risk; they also consider how likely you are to search for a better deal.

If you're very healthy, and there's a low risk of the life insurance company having to pay the death benefit, you'll get incredibly affordable rates.

Since qualification criteria varies among the numerous insurance companies, it is not uncommon for an individual to qualify for different rate class (risk class) at different insurance companies.

More people typically translates into more risks for insurance companies (this is why insurance costs in cities are generally far higher than rates in rural areas).

Although credit rating is used to determine how much an insurance company can risk in extending you credit, automobile insurance companies rarely extend individuals credit.

Because the chances of dying from smoking - related causes is so prevalent, many life insurance companies in the U.S. charger higher rates to compensate them for the added risk of extending a policy.

That is why insurance companies rate each applicant according to the risk the applicant brings with them when they apply for insurance.