Sentences with phrase «insurance company strategies»

Because we are informed of common insurance company strategies and sneaky tactics, we are able to obtain more favorable outcomes for our clients.

Auto Insurance Companies Strategy to Limit Car Accident Injury Compensation ̶ Deny, Delay, Defend

Not exact matches

Lord Browne invested in Windward in 2016, since when he's been advising the company on strategy, including its push into London and the global marine insurance market.

According to the Global Market Strategy team at JP Morgan, pension funds and insurance companies in the G4 - United States, euro zone, Japan and Britain - will buy at least $ 640 billion of bonds this year.

Rite Aid has doubled down on this strategy, announcing in April that it would acquire the Houston - based RediClinic, the nation's fourth - largest retail clinic, a move investors think will help the company capitalize on the expansion of health insurance under Obamacare and the primary - care physician shortage in America.

Drug makers have asserted that benefits managers, who negotiate rebates and discounts with drug makers and then partially pass those savings on to insurance companies and consumers, are part of the reason that list prices have risen so much, since biopharma companies must incorporate the expected future discounts into their pricing strategies.

Fairfax's insurance and reinsurance companies operate on a decentralized basis, with autonomous management teams applying a focused underwriting strategy to their markets.

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.

Some Florida homeowners are discovering their insurance companies are employing an interesting strategy to avoid future claims costs.

Several legal experts said that it was particularly unusual for a plaintiff using a lawyer being paid on a contingency basis not only to turn down settlement offers (several sizable settlements were proffered by Gawker) but also to pursue a strategy that prevented an insurance company from being able to contribute to a settlement.

Andrew Adams, an insurance analyst at Credit Suisse, said the Asia strategy had been a «major overhang» affecting the company's stock performance, and the scrapping of the strategy will likely be viewed positively by investors.

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.

The authors say game design elements — such as points, levels, and badges — and financial incentives may have contributed to the sustained use of the devices, but the results provide valuable insights for wellness programs, insurance companies, and other program designers who should consider testing new and more targeted engagement strategies to motivate older and lower - income populations.

Most recently he headed up a specialty alternative investment for a company in San Diego, focusing in tax and insurance strategies for family offices and investment advisors.

Part of the strategy is to work with mutual life insurance companies that allow flexibility in borrowing from the policy and allow the cash value to accrue regardless of outstanding policy loans.

Of course, all of the above entails a sophisticated strategy involving the right approach and utilizing a policy from a preferred dividend paying mutual whole life insurance company.

If a bank, insurance company, or any financial institution relies on secondary market liquidity in order to protect its solvency, it has a flawed strategy.

They provide tools that help to compare credit cards, look at college financing options, track interest rates, maximize tax strategies, identify the best investment and savings vehicles, rate and rank insurance companies, and so much more...

If you are considering permanent life insurance but have some questions or you need some additional guidance on which company and policy are the right fit for you, please give us a call today for a free strategy session.

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Combined with the investment strategies that each insurance company has documented in their statement of investment policy and guidelines, they also take into consideration macroeconomic trends and fundamental credit analysis in determining their investment portfolio composition.

Please give us a call today for policy illustrations from many of these excellent cash value life insurance companies and long - term care insurance providers and receive a free strategy session to see which company and policy is right for you — based on your unique needs, goals and objectives.

For more information about this strategy, check out our top 10 best life insurance companies for infinite banking.

One of North American Life Insurance Company's strategies has always been to focus more on the long - term, and less on being driven only by short - term earnings pressures.

Insurance companies are continually tweaking actuarial guidelines and pricing strategies.

Between insurers tweaking their pricing strategies and your own changing situation, the best insurance company for you last year may not be the best company for you this year.

Almost nobody considered the fact that lots of insurance companies and pension funds had entered into pre-programmed dynamic hedging strategies.

This strategy can be utilized for both buying assets as well as liabilities without needing to remove your cash from the investment (i.e. whole life insurance using non-direct recognition companies) that is continually working AND compounding to generate a consistent rate of return.

Founded in 1859, AXA Equitable Life Insurance Company is the # 1 provider of retirement plans for K - 12 schools, 1 serving more than 820,000 participants in over 17,000 plans.2 We focus on providing retirement plan strategies and solutions for you so you can help your employees become «retirement ready.»

AND using cash value whole life insurance from a mutual company for this strategy as opposed to other types of life insurance such as universal life or term life insurance offer some additional incentives for your key people.

So step one of the conduit whole life insurance strategy is to begin investing your wealth in a properly funded whole life insurance policy with an advantageous mutual company.

Based on my readings so far, I understand that this company is poised in the good position to tap massive consumer savings with its vast retail distribution & marketing strategy in mutual fund and insurance business.

Similarly, a business entity such as a corporation or an limited liability company may be the designated beneficiary if a business is purchasing life insurance on a business partner's life as part of an entity purchase buy - sell strategy.

At Insurance & Estate Strategies, when we talk about whole life or cash value life insurance, we are talking about whole life insurance from a top rated mutualInsurance & Estate Strategies, when we talk about whole life or cash value life insurance, we are talking about whole life insurance from a top rated mutualinsurance, we are talking about whole life insurance from a top rated mutualinsurance from a top rated mutual company.

Some life insurance companies say they have a system that uses asset allocation strategies with their variable products.

Clearly, we have to rely on their 20 + year track record (which is very strong) and the Company's ability to execute on their strategy of underwriting profitable insurance policies, having a strong, well analyzed investment portfolio, and buying companies that are cheap to fairly valued with sizable reinvestment opportunities.

Ameritrust Capital Management LTD Edward Jones Guild Mortgage Company HUB International Insurance Services Montecito Bank & Trust One West Insurance Service Inc Pacific Western Bank Rabobank NA SYV Wealth Advisors Wealth Management Strategies

Unfortunately, the company's policies are underwritten by Red Sands Insurance, which did not have any ethical policies for investments and received Ethical Consumer's worst ratings for both likely use of tax avoidance strategies and environmental reporting.

Whether it's pushing banks to stop project - level loans to pipelines, demanding insurance companies to stop underwriting fossil fuel infrastructure, or pressuring cities to stop using fossil fuel funded banking, «no new fossil fuel finance» is a driving movement strategy.

In another instance, a Wall Street Journal article is one of two sources cited by the IPCC to backup the claim that «Insurance companies are introducing incentives for homeowners and businesses that invest in loss prevention strategies (Kim, 2004; Kovacs, 2005b).»

We know the strategies that insurance companies try to use and are able to effectively defend our clients against them.

A personal injury attorney who started off as a defense lawyer for insurance companies has greater insight into the strategies and process that the other side may use against you.

For years, she won cases for insurance companies and learned every strategy used to defeat the claims of injured individuals.

An insurance company must then devise a litigation strategy and make settlement offers within the policy limits as if the insurance company bore the full exposure.

Plaintiff's injury lawyers understand the strategies used by insurance companies to keep those fault percentages low.

He or she may be familiar with different negotiating strategies by insurance adjusters and companies that he or she has experience working with.

We can also handle talks with the insurance company, calculate your damages, and use proven legal strategies during settlement negotiations and potential litigation.

We know the appropriate strategies to use against the insurance company and have the skills necessary to make sure you get access to medical care and choice of physicians.

I've been on both sides of the fence, and I understand how insurance companies think and what strategies they use in order to keep your money.

Subsequently, as Operations Counsel at Healthways, Inc., she provided legal advice and strategy on various areas of law relating to the company's business, including intellectual property, HIPAA, state privacy laws, state insurance laws, and fraud and abuse.