Sentences with phrase «less need for insurance»

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

Not exact matches

The bottom line is that for the next four years their insurance business will need to expand by less than $ 10 billion a year.

These benefits include but are not limited to the power of the human touch and presence, of being surrounded by supportive people of a family's own choosing, security in birthing in a familiar and comfortable environment of home, feeling less inhibited in expressing unique responses to labor (such as making sounds, moving freely, adopting positions of comfort, being intimate with her partner, nursing a toddler, eating and drinking as needed and desired, expressing or practicing individual cultural, value and faith based rituals that enhance coping)-- all of which can lead to easier labors and births, not having to make a decision about when to go to the hospital during labor (going too early can slow progress and increase use of the cascade of risky interventions, while going too late can be intensely uncomfortable or even lead to a risky unplanned birth en route), being able to choose how and when to include children (who are making their own adjustments and are less challenged by a lengthy absence of their parents and excessive interruptions of family routines), enabling uninterrupted family boding and breastfeeding, huge cost savings for insurance companies and those without insurance, and increasing the likelihood of having a deeply empowering and profoundly positive, life changing pregnancy and birth experience.

With lesser young and healthy customers participating in Obamacare plans, health expenses will rise for lower for older, sicker customers who need health insurance.

At some point, it will likely be less expensive to summon a self - driving car when needed than to pay for the gas, maintenance, insurance, registration fees, parking fees, etc. required to own a vehicle that sits unused for most of the day.

Other variables to consider include estimated resale value, insurance premiums, anticipated maintenance, actual cost of fuel, what kind of price you can get from a dealer, and the value of not having to stop for gas as often — both versions have a 17.2 gallon tank so the ES 300 h will need to refuel less frequently.

For example, a homeowners or renters insurance policyholder who owns an electric guitar, amp and pedalboard with a total value of less than $ 2,000 probably does not need musical instrument insurance.

All of this coverage can be yours for around fifteen dollars a month, which is less than you'll pay for a couple of Cubanos down on N 9th St.. All you have to do is call [phone] or click to get covered - whether you need Reading, PA renters insurance quotes online or coverage anywhere else!

It's a good idea to review your need for life insurance whenever a major life event occurs, and also bear in mind that generally the younger you buy it, the less it will cost you.

Right, and hopefully as you get older, you have more money in the bank and have less of a need for life insurance.

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 80For 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 80for 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 80for conventional financing will be higher than 80 %.

Depending on your financial situation, a higher property value can eliminate the need for expensive mortgage insurance while qualifying you as a less risky borrower.

If you put less than 20 % down, you'll need to pay for mortgage loan insurance that protects the bank if you default: with 10 % down on a $ 350,000 home, expect an extra $ 9,765 or so in fees.

If we have a small business of less than 4 employees and pay roll less than $ 50,000 per annum, Do we need to have Health Insurance for each employees?

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

People that opt for permanent life insurance at an early age often find that because premiums are higher than with term life insurance, they skimp and buy less insurance than they really need to replace lost wages, pay off a mortgage or pay for their children's college education if they die.

You can also put less money down and get a more expensive home without the need for mortgage insurance.

• If you put less than 10 percent down, you need to carry FHA mortgage insurance for the life of the loan.

Be aware that if you put down less than 10 percent, you'll need to carry FHA mortgage insurance for the life of the loan.

Many people have less need for life insurance as their investments grow — in effect, they become self - insured.

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

Some people want a policy to cover their family's anticipated cost of living, including mortgage payments and college tuition, while others might have less of a need for life insurance down the road.

And not working generally means lower taxes, less need for life insurance, and lower day - to - day expenses.

Home or condo owners who lease their residence for less than 30 consecutive days are typically considered short - term renters and need to understand and weigh the insurance ramifications of temporarily renting their home to guests.

While it's true that the younger you are, the less you pay for life insurance, you should only buy it once you've determined there's a need for it (for example, if you've started a family).

The fact is that most people have a finite, short (ish)- term need for life insurance, and they are interested in getting the maximum life insurance possible for the lowest cost possible (term life is substantially less expensive than permanent life when you are younger).

For many folks in Austin, insurance quotes are likely to identify some modest to moderate savings; for many others, however, quotes might identify a provider or two that are offering the coverage you need for hundreds less than the competitiFor many folks in Austin, insurance quotes are likely to identify some modest to moderate savings; for many others, however, quotes might identify a provider or two that are offering the coverage you need for hundreds less than the competitifor many others, however, quotes might identify a provider or two that are offering the coverage you need for hundreds less than the competitifor hundreds less than the competition!

If you qualify for conventional financing, you will be expected to put down more (if it's less than 20 %, you'll also need to pay private mortgage insurance or PMI).

Read on for Canada's best guide to getting the insurance you need for less, whether it's life, disability, car, home or travel.

In the past, the traditional wisdom has been when it comes to life insurance that as a person gets closer to retirement age, with less financial obligations, there was less of a need for corresponding life insurance.

Also, in the Real World, the amount of life insurance one needs declines rapidly every year, as assets grow, loans are paid, and there's one less year of the breadwinner's income to replace (see the life insurance software page for details).

If you need or want to stop paying premiums, you can use the cash value to continue your current insurance protection for a specified time or to provide a lesser amount of death benefit protection covering you for your lifetime.

So if you combine the cost of these two needed insurance contracts to insure for these two huge risks, which are 100 % certain to happen, you're making around 20 % to 25 % less spendable income in a fixed annuity than with American Funds.

This information about medical debts and how they affect health insurance should answer some of your questions, but you may need additional details to understand your rights — especially if you're considering settling for a lesser amount.

For example, according the HHS 2011 Poverty Guidelines, for a single adult with no spouse or children, he or she would have needed to average less than $ 10,890 in income to be eligible, as well as meeting the other requirements, such as a lack of recent health insurance, and other requirements by the individual staFor example, according the HHS 2011 Poverty Guidelines, for a single adult with no spouse or children, he or she would have needed to average less than $ 10,890 in income to be eligible, as well as meeting the other requirements, such as a lack of recent health insurance, and other requirements by the individual stafor a single adult with no spouse or children, he or she would have needed to average less than $ 10,890 in income to be eligible, as well as meeting the other requirements, such as a lack of recent health insurance, and other requirements by the individual state.

The transportation company is backed by insurance companies and attorneys who may attempt to settle your claim for less than you need and deserve.

The premium for Attorney Fee Insurance is often fully contingent upon success, but typically costs less than one third of the return charged by litigation funders, which is a key differential that attorneys need to be aware of when advising their clients on potential litigation finance options.

«I prefer representing the injured worker because the injured worker tends to be less knowledgeable about the workers» compensation system and needs more help than the insurance companies, who have lawyers on call for any questions.»

Your lawyer will gather the evidence you need to win your case, and we'll also negotiate with the insurance company on your behalf, work to prove that the responsible party is liable for your damages, and calculate the true value of your personal injury claim so that you don't have to settle for a penny less than what you deserve.

People who are worried about the future of their jobs, and people who have been laid off and taken a job for less pay need to find auto insurance that is cheaper than ever before.

So, if you have a need for life insurance of 30 years or less, then a level term life insurance policy may be a good option for you and your spouse.

Get the coverage you need from Cost - U-Less Direct and pay less for great auto insurance coverage.

If you need or want to stop paying premiums, you can use the cash value to continue your current insurance protection for a specified time or to provide a lesser amount of death benefit protection covering you for your lifetime.

It is a good option if you need life insurance for less than a few years otherwise don't waste your money.

Consumers turn to it when they need car insurance for an amount of time that is generally less than that six - month period.

If you're ready to get the life insurance you need to protect the people who depend on you the most, consider these four factors that may help you find a policy for a whole lot less.

Having both options on your policy can ensure that you won't need to pay for your vehicle to be towed, or to rent a car while yours is in the shop (being paid for by your insurance carrier, no less).

For example, you may need more life insurance when your children are young and still dependent on you, and you may need less in later years.

While it's true that the younger you are, the less you pay for life insurance, you should only buy it once you've determined there's a need for it (for example, if you've started a family).

While, if he buys Religare Floater Health insurance Plan that offers a sum assured equal to Rs. 3 Lacs, then the premiums that he would need to pay will be considerable less than the sum of premiums paid for individual plans.