Sentences with phrase «life insurer which»

In addition, you have the option of purchasing term life insurance with no exam needed, from an «A + +» rated life insurer which provides a 30 day money - back guarantee.

Outside of the KofC, we're unaware of another life insurer which would currently offer you coverage.

Second, life reinsurance is mostly mortality exposure - based, versus life insurers which are mostly investment spread based.

As an experienced independent life insurance agent, we have compiled a list of some the best life insurers which offer the most affordable no - medical exam life insurance policies.

Not exact matches

On top of that, Americans are also living longer, which has prompted providers to recalculate their premium and benefit frameworks as their clients spend more time under coverage than the insurers» underwriters had originally expected.

A life insurance policy loan is just a loan from the insurer in which the cash value of your policy is used as collateral.

«It's very tricky» for insurers, said Bruce Porteous, an investment director for insurance solutions at Standard Life Investments, which oversees about $ 370 billion.

Carl Wilkerson, vice president and chief counsel, Securities & Litigation, for the American Council of Life Insurers (ACLI) said in a prepared statement that ACLI was «disappointed» with Warren's report, which «misrepresents the comprehensive regulatory framework that governs conduct in the sale of insurance products and protects consumers» interests.

However, these days only a handful of insurers offer LTC insurance, so another option may be life insurance with an LTC rider, which allows families to tap into the benefits they would receive upon the policyholder's death while he or she is alive and requires care.

In contrast, the insurer's group insurance business, which includes life and disability coverage, reported pretax, adjusted earnings of $ 42 million.

The insurance giant becomes the first of the Big Three life insurers to join the association, which represents the insurance arms of Canada's major banks and various other companies

Like Life Insurance policy, a health insurance policy is a legal contract between insurer and insured; in which insured pays premiums and in returns, insurer agrees to pay for medical expenses for a specified limit or sum insured.

Coca - Cola Amatil media director Sally Loane has been appointed chief executive of high - profile lobby group the Financial Services Council, which represents Australia's biggest retail super funds and life insurers.

I / WE HEREBY RELEASE, WAIVE, DISCHARGE AND COVENANT NOT TO SUE the CHICAGO SPORT & SOCIAL CLUB, INC. («CSSC») and its affiliates (CSSC and its affiliates are referred to collectively as the «CLUB»), the sufficiency of which consideration is expressly acknowledged, and intending to be legally bound, do hereby, for myself, my heirs, executors, administrators, insurers, assigns, attorneys, representatives, agents, beneficiaries, legatees, representatives, successors, assigns and any other persons who may make claims on my behalf (collectively the «RELEASORS») OR ALL SPORTS SERIES / PARK DISTRICT OF HIGHLAND PARK / WINDY CITY FIELD HOUSE / CHICAGO PARK DISTRICT / FITNESS FORMULA CLUBS (FFC — UNION STATION) / URBANA PARK DISTRICT / MADISON PARKS ORGANIZATION / ABUNDANT LIFE CHRISTIAN SCHOOL / LANSING PARKS / CITY OF BLOOMINGTON / UNIVERSITY OF MICHIGAN / CHICAGO PUBLIC SCHOOLS — LAKE VIEW HIGH SCHOOL / CAMP OJIBWA / AUSTIN PARKS AND RECREATION facilities used by the participant, including its owners, managers, promoters, lessees of premises used to conduct the event or program, premises and event inspectors, underwriters, consultants and others who give recommendations, directions, or instructions to engage in risk evaluation or loss control activities regarding the CHICAGO SPORT & SOCIAL CLUB, INC. («CSSC») and its affiliates (CSSC and its affiliates are referred to collectively as the «CLUB»), the sufficiency of which consideration is expressly acknowledged, and intending to be legally bound, do hereby, for myself, my heirs, executors, administrators, insurers, assigns, attorneys, representatives, agents, beneficiaries, legatees, representatives, successors, assigns and any other persons who may make claims on my behalf (collectively the «RELEASORS») OR ALL SPORTS SERIES / PARK DISTRICT OF HIGHLAND PARK / WINDY CITY FIELD HOUSE / CHICAGO PARK DISTRICT / FITNESS FORMULA CLUBS (FFC — UNION STATION) / URBANA PARK DISTRICT / MADISON PARKS ORGANIZATION / ABUNDANT LIFE CHRISTIAN SCHOOL / LANSING PARKS / CITY OF BLOOMINGTON / UNIVERSITY OF MICHIGAN / CHICAGO PUBLIC SCHOOLS — LAKE VIEW HIGH SCHOOL / CAMP OJIBWA / AUSTIN PARKS AND RECREATION facilities or events held at such facility and each of them, their directors, officers, agents, employees, all for the purposes herein referred to as «Releasee»... FROM ALL LIABILITY TO THE UNDERSIGNED, my / our personal representatives, assigns, executors, heirs and next to kin FOR ANY AND ALL CLAIMS, DEMANDS, LOSSES OR DAMAGES AND ANY CLAIMS OR DEMANDS THEREFORE ON ACCOUNT OF ANY INJURY, INCLUDING BUT NOT LIMITED TO THE DEATH OF THE PARTICIPANT OR DAMAGE TO PROPERTY, ARISING OUT OF OR RELATING TO THE EVENT (S) CAUSED OR ALLEGED TO BE CAUSED IN WHOLE OR IN PART BY THE NEGLIGENCE OF THE RELEASEE OR OTHERWISE.

Congratulating Theresa May on becoming Prime Minister, Huw Evans, Director General of the Association of British Insurers (ABI), said: «The appointment of our second woman Prime Minister is a positive day in British public life which will hopefully encourage many more women to stand for election to Parliament.

The only case in which you'd get cash back from an insurer with a term life insurance policy is if you have a return of premium rider.

A life insurance policy loan is just a loan from the insurer in which the cash value of your policy is used as collateral.

«And, if you're not living in your home during renovations, it becomes an easier target for thieves and undetected water damage, which is why your insurer may require you to secure a vacancy permit if you move out for more than a month.»

All of this can be done using an Employer Owned Life Insurance Acknowledgement and Consent Form, which can be obtained from the insurer.

So in calculating the payments annuity owners will get, insurers can factor in «mortality credits,» which is insurance - speak for the money that's effectively transferred from those annuity owners who die early to those who live a long life.

Hint to those who analyze life insurers and reinsurers: look in the statutory statements, which have a lot more data than the GAAP statements for odd reserves that indicate a significant chance of losses if interest rates continue to remain low.

Our experts can assist you with additional information regarding life insurance companies, and provides you with more details about the proper amount of life insurance coverage, the type of policy that may be best, and which of the many life insurers in the marketplace may be best for you.

The inner - workings of cash value life insurance consists of a life insurance policy, which is a contract between the policy owner, the insured (often the same person), and the insurer, where the insurer agrees to pay a death benefit to the policy's beneficiary, based on the owner continuing to make the policy's premium payments.

I have worked in investment management for a number of life and general insurers in the UK and with a number of actuaries, some of these have been extremely able and had an outlook very similar to that which you hold.

According to Alexi Maravel, associate director at Cerulli, the way a particular insurance company is reacting to a likely interest rate hike depends on its business line: «Life insurance companies, which control the largest amount of insurance general account assets and have to match long - duration liabilities with long - duration assets, are making investment adjustments to their surplus assets, while, on the other end of the spectrum, we find health insurers are raising liquidity.»

We compiled this list from an analysis by A.M. Best, a global company which reports on insurer financial strength ratings for life insurance and property and casualty insurance firms around the world.

Systemic risk comes from short - dated financing of long - dated assets, which is often done by banks, but rarely by life insurers.

Among them was to protect the other life insurers of the US from getting surcharged in order to pay for the costs going to the guarantee funds, along with systemic risk issues at AIG Financial Products (which was much bigger).

The amount of coverage for which you may be approved by your insurer's underwriters will depend on your life insurance company, your age, gender, health and medical history, among other factors.

Unlike with a regular life insurance application, which involves a medical exam to assess your risk, insurers ask you detailed questions and use third - party data such as prior medical records, your driving record, etc to assess your risk level.

Final expense whole life insurance policies also typically have a cash value component, which is basically the amount of money you would receive back if you gave up the policy to the insurer.

In addition, people up to age 95 can apply for a Banner Life term policy, which is nearly unheard of in the insurance industry (most other insurers cap applicants at age 65 or 75).

They trade like bonds, but by the old Maryland statute, they are not bonds — they don't fit any categories of permitted investments, and as such could only be held if we had sufficient surplus, which we did not, and probably most life insurers in Maryland did not.

But I have had to do accounting for most of my working life, including doing financial reporting inside life insurers, which is the most complex industry for accounting.

Whole life insurance defined: A whole life policy is a type of permanent life insurance where a contract is entered into between the policy owner and insurer, for a policy, which covers the life of the insured, for a specified insurance coverage amount, for the benefit of a beneficiary.

Recognizing the stress and financial burden that student debt can create, life insurer New York Life recently launched a student - loan repayment program offering up to $ 10,200 over five years for eligible employees — which tops out at $ 170 a molife insurer New York Life recently launched a student - loan repayment program offering up to $ 10,200 over five years for eligible employees — which tops out at $ 170 a moLife recently launched a student - loan repayment program offering up to $ 10,200 over five years for eligible employees — which tops out at $ 170 a month.

My concern with life insurers is different at present because I don't trust the reserving of secondary guarantees, which are promises made where the liability can not easily be calculated, and where the regulators are behind the curve.

I would also try to look at the valuation of life insurers comparable to those at AIG, which are high complexity beasties.

Yesterday I went through the Value Line list of life insurers, many of which are selling well below book value.

For instance, in 1997, Protective acquired West Coast Life, which helped in solidifying the insurer's national presence.

Van Dyke Law also has a large insurance claims practice, which assists individuals who have been denied coverage by their disability, life, accident, or fire insurer.

We have shown insurers and Courts that chronic pain is a very real problem which can take somebody's life hostage.

At issue was whether OCGA 33 -32-4 (a) authorizes the insurer to issue a credit life insurance policy which covers the total amount payable over the term of the loan or limits the policy's coverage to the principal amount financed by the insured.

When your critical illness insurer hasn't given you the peace of mind which you deserve, let Goldfinger Injury Lawyers restore that peace to your life.

Thanks to brutal competition between insurers, life insurance shoppers have a dizzying array of seemingly interchangeable policies from which... Continue Reading

With term life, the insurer is counting on you outliving the policy which means they never have to pay the death benefit.

We have access to dozens of insurance companies and know which insurers have the best policies when it comes to living benefits as they apply to your particular health circumstances.

That means that when the student is negotiating future auto insurance policies, those insurers can look back and see a history of responsible personal finance management, which may lead to favorable conditions for coverage later on in life.

Life insurance (life assurance) is a certain contract between you (the insurance policy owner) and the insurer, according to which the policy owner is paid a reimbursement in case the insured event occurs (i.e. the policy owner's deaLife insurance (life assurance) is a certain contract between you (the insurance policy owner) and the insurer, according to which the policy owner is paid a reimbursement in case the insured event occurs (i.e. the policy owner's dealife assurance) is a certain contract between you (the insurance policy owner) and the insurer, according to which the policy owner is paid a reimbursement in case the insured event occurs (i.e. the policy owner's death).

Overall, our most expensive and cheapest insurers tended to quote the same rate across the city, regardless of which neighborhood you live in.