Sentences with phrase «less insurance risk»

While Cape Breton may be slightly less expensive for car insurance than some of Canada's larger cities because it's smaller population accounts for less insurance risk, it's still in your best interest to make sure that you're paying the lowest rate possible.

Not exact matches

Check with your local Chamber of Commerce to see if they have any discount insurance options, and also take note of your risks to see if you can reduce them (the less risk, the lower the premium).

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.»

At any age, delaying also comes with the risk that you'll develop some condition in the interim that could make you less attractive as an insurance risk, Weisbart said.

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.

That said, I actually think this is less likely; insurance operates best at more scale, not less: first and foremost, the larger the pool, the more risk can be spread, as well as obvious efficiency gains in administration.

The deal risks leaving patients with less choice of where to get care or fill a prescription if those with Aetna insurance are forced to go to CVS for much of their care.

For C corps, they can claim more tax deductions than a partnership may be able to, write off benefits for employees (like health insurance) as business expenses, and are at much less risk of being audited as opposed to an LLC or sole proprietorship structure.

When we have an insurance policy that protects us against the risks of, for example, our car being stolen, we tend to be a little less careful about preventing the risks from happening.

And if breast is best, and if insurance companies have to pay out less money for women and babies who successfully maintain a healthy breastfeeding relationship (this on the assumption that, in fact, breastfed babies and mothers are healthier and less at risk for a variety of chronic ailments or cancers)- wouldn't it be in their best interest to shell out a couple hundred bucks for help their working, nursing mothers maintain a breastfeeding relationship?

Some of us buy fire insurance for our homes when the risk of a house fire is less than 1 %, for example.

A 2008 Institute analysis of insurance claims found that, all other factors being the same, drivers of vehicles with seat / head restraint combinations rated good in Institute evaluations were 15 percent less likely to sustain neck injuries in rear - end crashes than drivers of vehicles with poor head restraints (see «Neck injury risk is lower if seats and head restraints are rated good,» March 15, 2008).

These advanced features are designed to reduce the risk of collision, which would translate to a lesser likelihood of an insurance claim.»

Mortgage insurance makes it possible for you to buy a home with less than a 20 percent down by protecting the lender against the additional risk associated with low - down - payment lending.

Having mortgage insurance makes originating high loan - to - value (LTV) loans safer for the financial institutions we serve, allowing them to reduce their risk and lend to credit - worthy borrowers who bring less than 20 percent down to the table.

If you pay any less than 20 % on a conventional loan, you'll have to cough up private mortgage insurance, an extra monthly fee paid to mitigate the risk that you might default on your loan.

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

Borrowers with less equity in their homes are seen as bigger risks, meaning that they'll pay higher interest rates and insurance costs.

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.

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

This insurance removes or minimizes default risk lenders face when borrowers put down less than 20 percent.

Insurance companies often offer a discount to drivers who complete the course as they are deemed less of a risk.

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.

You may find your risk is less once you install a system or you may save a lot of money with your insurance company by making the investment.

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.

We fear that some of the reinsurers are taking on what we call «too smart for your own good» risk, and that hedge fund investments will prove to be less diversified than they expected in a crisis, perhaps even a crisis with insurance claim applications, like 9/11.

That lesser probability means DGCM insurance is riskier and therefore Manitoba Credit Unions HAVE TO offer better interest rates to offset the higher risk people take by saving their money with them.

Mortgage insurance makes it possible for you to buy a home with less than a 20 % down payment by protecting the lender against the additional risk associated with low down - payment lending.

If you live in upstate New York and only bike three months of the year, for example, you face fewer risks than a biker who rides in every season, and will therefore pay less in insurance costs.

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.

Ensuring that all doors to your home have dead - bolt locks can significantly reduce your risk of burglary, and you may get less expensive condo insurance as a result.

As our wealth grows, we can shoulder more financial risk — and hence there's less need for insurance.

The insurance minimizes the default risk that traditional lenders face when homebuyers put down less than 20 %.

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.

«This sounds reasonable, but as the Government Accountability Office reported in July, with risk - based pricing 43 percent of current FHA borrowers would pay the same or less under risk - based pricing, 37 percent would pay more, and 20 percent would not even qualify for FHA insurance.»

Insurance actuaries have found that credit score is linked to risk tolerance; therefore a good credit score signifies that you are less likely to have risky behaviors.

For life insurance, it usually depends on the risk class you are in — the less risky, the higher your dividend.

Why are N.C. homes less of a risk for insurance companies?

Great tips about auto insurance on this articles, Add protection devices to auto alarm... These procedures make the car less serious, leading to increased risk for lack of insurance

Therefore, it's best to take out life insurance as early as possible, when you are less of a risk to the insurer and your premiums will be lower.

Auto insurance quotes are based on how much you are likely to cost your provider over the life of the policy; if you make adjustments to your vehicle, your living situation, or your lifestyle that make you appear less of a risk, your premiums can be reduced.

All home loans with less than 20 % equity require the borrower to pay for some form of insurance in order to safeguard the lender from the risk of default.

Adverse Selection: The tendency of persons with poorer - than - average health expectations (higher risk) to apply for or continue insurance coverage to a greater extent than persons with average or better - than - average health expectations (lesser risk).

Over the long term, finance theory says that such stocks should theoretically earn less than the risk - free interest rate, and sell at above - average price / earnings multiples because they provide «insurance benefits» for a portfolio.

A higher credit score is taken to mean you are less of a risk, which, in turn, means you are more likely to get credit or insurance — or pay less for it.

The insurance carrier faces more risk early in the contract if the insured dies, as there is less cash value in the account.

Most Dallas insurance companies offer discounts to policy holders who they feel pose less of a risk.

Many District of Columbia insurance companies offer discounts to policy holders who seem less of a risk.

If you don't, it may mean that you're less concerned about reducing risk and therefore create higher risk of a claim for the insurance company.