Sentences with phrase «less insurance because»

You won't need less insurance because your spouse has more.

Not exact matches

«Over time, it would become more difficult for less healthy people (including people with preexisting medical conditions) in those states to purchase insurance because their premiums would continue to increase rapidly.»

Moody's Investors Service maintained its ratings for Desjardins but said the transaction creates risks, mainly because of the increased exposure to the high - risk Ontario personal auto insurance market, which will make its insurance operations «a less predictable source of earnings.»

It's trading at less than 10 times earnings, partly because of the Ontario government's desire to slash auto insurance rates by 15 %.

For example, the 2012 Federal Budget never specifically mentioned restrictions to Employment Insurance benefits but the June 2012 budget omnibus bill repealed the section of the Employment Insurance Act that allows recipients to turn down a job because it is not their usual occupation or pays less.

Because banks and other lenders shy away from borrowers with less than a 25 % down payment as higher - risk clients, mortgage insurance gives people with smaller down payments a better risk profile.

It's the notion that Ryan's Medicare vouchers will reduce the cost of coverage because if enough people are out there trying to buy the same insurance coverage with less money, the insurers will lower the cost.

Insurers like structured VAs because these hybrid products require less capital to support than traditional VAs that come with lifetime income guarantees, which some insurance companies have found difficult to honor with interest rates still historically low.

Mortgage insurance is important in the housing sector because it allows borrowers to buy homes with less down.

In general, if you're relatively healthy and wouldn't mind a simple medical exam, traditional life insurance is the better option because it will likely be less expensive than a simplified issue life insurance policy.

Mortgage insurance (MI) is almost always required by lenders when the down payment is less than 20 % because a loan with a low down payment is riskier and the insurance protects the lender if the home buyer defaults.

In fact, the company says that since it came under attack in August, nearly 90 percent of EpiPen buyers have paid less than $ 100 per box because of insurance, discounts or coupons.

The exception is homeowners who were forced to purchase taxpayer - backed mortgage default insurance from Canada Mortgage and Housing Corp. (CMHC), or its main private sector rival Genworth Canada, because they put down less than 20 per cent of their home's value.

Note: Women pay less for life insurance than men (except for unisex laws in Montana) because statistically women live longer than men.

For seniors, the cash value of whole life insurance is less valuable because you have fewer years during which it will grow with interest.

As a result, they grew less supportive of the mandate, because they saw it as fundamentally unfair that someone would have to buy insurance from a for - profit insurance company without having the option of buying it from the government instead.

One of those would be in health insurance because the county is what we call ASO, which is totally self - funded administrative services only but state law prohibits smaller municipalities less than 50 employees from participating in ASO's, but we put it in our plan, so we'll throw that right back at the state.»

The research group plans next to study other aspects of severe thunderstorms such as hail, which causes less intense damage but is important for business (especially insurance and reinsurance) because it affects larger areas and is responsible for substantial losses every year.

Because part - time workers are less likely than full - time workers to have health insurance from their employers, we adjust the private - sector comparison data to match the percentage of teachers who work full time.

After I get up to leave because I was clearly frustrated, he agrees to have his manager look over the quote again.The quote he comes back is $ 1,000 less... BUT ALL THEY DID WAS TAKE OFF THE OPTIONAL INSURANCE PACKAGE.

Some years I make more than her, some years less — these last few years less because I've been trying to get some big and potentially lucrative projects off the ground — but even when I made more I benefitted from access to health insurance via her work.

Conventional fixed - rate mortgages are a popular option because it allows to get rid of mortgage insurance once your loan balance is 80 percent or less of the home's value... MORE

The example that comes to mind inevitably is earthquake insurance, because you've got less than 12 percent of homeowners in California carrying earthquake insurance.

«A higher deductible is a signal to the insurance company that the homeowner is less likely to file claims because they are agreeing to a higher threshold for doing so,» says David Reiss, law professor and research director at Brooklyn Law School's Center for Urban Business Entrepreneurship.

This is because you are taking on more of the risk and putting less risk on the insurance company.

Just because the average policy document is fifty pages and contains no less than seven endorsements doesn't mean that you need a masters in Insurance and Risk Management to understand it.

Tampa Renters Insurance will be a bit more because of the coastal risk, while Orlando Renters Insurance might cost a bit less due to location.

Here's the formula: Loan amount ÷ appraisal value or purchase price (whichever is less) For example: The home you want to buy has an appraised value of $ 205,000, but $ 200,000 is the purchase price The bank will base the loan amount on the $ 200,000 figure, because it's the lower of the 2 You have $ 40,000 for a down payment, so you need a $ 160,000 loan to meet the $ 200,000 purchase price Your loan - to - value equation would look like this: $ 160,000 ÷ $ 200,000 =.80 You multiply.80 by 100 % and that gives you an LTV of 80 % Private mortgage insurance (PMI) If your down payment is lower than 20 %, your loan - to - value ratio for conventional financing will be higher than 80 %.

This makes sense given marketplace realities because it will mean less risk for the FHA, which is, after all, an insurance program.

It might be even less in Maryland, because insurance credit scores aren't a part of rating or underwriting.

Small personal property claims are often paid out by an insurance carrier because it costs less to write a check for $ 500 than to investigate fully and pursue the truth of the claim.

Drivers who have not been involved in any automobile accidents and who have a good driving record get better insurance rates because they are considered to be less of a risk.

In general, Benedek adds, this kind of insurance is less critical for covering residential long - term care costs in Canada anyway, because of the high degree of government financial support.

Having been a risk manager inside two life insurance companies, when I reviewed the documents, I was surprised, because they were so much less sophisticated than what life companies of a similar size did.

This is because conventional loan borrowers are typically seen as safer investments for lenders, so the insurance requirements are less stringent.

You will pay much less for a policy requiring an exam because the insurance company is confident in how much of a risk you are to insure.

If you walk into an insurance agency in Manassas, you're likely to get less than stellar service because you're buying an inexpensive product that doesn't tend to build relationships.

However, because most lenders also prefer that your total property expenses, including taxes and insurance as well as mortgage payments, total less than around 30 % of your monthly income, they will also take into account how much you wish to borrow.

Overall consumers spend less in Saskatchewan on Home Insurance than in number of other provinces because of a few reasons:

The insurance company is less concerned that one spouse might not be in good health, because both policyholders must die before the benefit is paid.

Because the insurance company pays nothing until both spouses die, the premium is significantly less expensive than buying separate policies for both people.

However, because risk factors can be viewed as more important by some providers and less important by others, Utah insurance quotes are one of the safest, most effective, and least risky paths to reduced rates without reducing the quantity or quality of your coverage.

It's always less expensive to pay in full for the year for the policy, because statement fees are common in insurance.

Renters insurance price comparison in North Carolina is really less about the price and more about who makes it easy to get covered quickly, because there's so little difference in the pricing.

Condo insurance costs much less than traditional homeowners insurance because it does not need to provide coverage for the structure of your building.

I want to know your opinion, if is it a good option, if we declare all the facts, because premium is quite less compared to other online term insurance plans,

With multiple units, it may be that he gets a small discount if he requires that tenants have liability insurance, or it may be because your negligence is less likely to result in a suit against him if you have liability insurance.

If you purchase a policy and were paying a higher rate because of your job, but then change to a less hazardous one, you may ask the life insurance company for a reconsideration.

Renters insurance is cheap in most places because it's not covering the structure, but it's often even less expensive in North Carolina as a direct result of the unique system of price regulation.

In general, if you're relatively healthy and wouldn't mind a simple medical exam, traditional life insurance is the better option because it will likely be less expensive than a simplified issue life insurance policy.