Sentences with phrase «life insurers do»

Although some life insurers do buy and hold real estate, more typically they prefer financing — usually providing financing to the investor or owner rather than the center itself.

Usually, traditional policies offered by life insurers do cover the death benefit and may be supplemented with money return benefits.

That's because many life insurers don't have the experience of insuring diabetics.

Life insurers don't want you to be over-insured which may give rise to a reason to commit suicide at some future date.

But it is important to compare — because, just like all other types of products and services, life insurers do price their policies differently, even for the very same amount of benefit.

Since most mortgage life insurers don't require a medical exam prior to signing up, rates may end up being higher even if you're healthy.

As mentioned, there are a few life companies that are willing to compete to insure pilots but the vast majority of life insurers do not give pilots the benefit of the doubt.

Life insurers do sometimes pay higher commission percentages for permanent policies, increasing the allure to agents.

Life insurers don't break even on a life insurance policy right away — they have to pay for the medical exam, their staff, the underwriter, and the agents» commissions.

Since, the life insurer does not have to pay anything on maturity, the probability of making a payout is that much lesser because of which term plans are cheaper.

Not exact matches

With five kids and a busy life, he didn't take time to argue, but contacted his insurer, who told him to use a glass servicer.

Geeta Wilson, vice president of consumer experience at the health insurer Humana, says she lives in fear, as do many executives, of this «discrepancy between how we think of ourselves internally and how our customers think of us.»

As long as I don't know, there shouldn't be a way for life insurers to find out.

Life and annuity insurers, with memories still fresh about promises they struggled to keep, don't want to make the same mistakes twice.

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.

Silveira says that some insurers and stakeholders have encouraged primary care physicians to talk to healthy patients about whether they have completed a will, but the new findings suggest that the documents likely don't change the likelihood of hospitalization at the end of life or increase the likelihood the person will die at home.

Federal law bars genetic discrimination by health insurers and employers based on their DNA information — you can't be fired or have your rates increased — but the law doesn't cover life, disability or long - term - care insurance.

The life insurance company may contact you if you're the beneficiary, but that could take time and it's not guaranteed if the insurer doesn't know the policyholder is dead.

If you don't have portable creditor life insurance and get sick, your pre-existing condition may not be covered by the new lender's insurer.

To assign a new beneficiary to your life insurance policy, all you have to do is contact your insurer and receive the proper «change of beneficiary» paperwork.

The cash value of permanent life insurance does offer a measure of protection as, if you ever decide to give up your coverage to the insurer, you would get the cash value back.

As another boss of mine once said, «It doesn't take mere incompetence to kill a mutual life insurer; it takes malice.»

If you have a health condition that you're certain will dramatically shorten your lifespan, then turning over savings to an insurer for the promise of lifetime payments probably doesn't make much sense (although you should also consider the life expectancy of your spouse or significant other, if you have one).

Lincoln Heritage insurance is only sold through captive agents, meaning these representatives don't offer life insurance from any competitors and won't be able to help you compare rates or features from multiple insurers.

Your premium may increase: Depending on the type of life insurance policy that you buy, don't be surprised if your insurer increases your premium.

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

Life insurance is far more fragmented, and has a decent slug of mutual insurers who don't have an explicit profit motive.

Kind of sad that we don't have more life insurers here.

In other words, unless a life insurer is writing biz that is immediately or contingently terminable, they don't go bad in a crisis $ $ $ PRU Jul 22, 2013

Though Sagicor's simplified issue term life insurance rates aren't the absolute cheapest, they do offer lower premiums than many of the top insurers.

Therefore, universal life insurance policies have greater upside potential when the insurer's portfolio does well, as the cash value can grow at a higher rate.

As with an immediate annuity, you turn over a lump sum to an insurer, but you don't actually start collecting income until later in life.

Universal life insurance is similar to whole life insurance, but the premiums can be paid on a more flexible basis (overpay when you have money on hand, pay less when you don't) and cash value growth is not always guaranteed, as it may be tied to an index or simply the insurer's investment performance.

However, these policies are a good alternative if you don't qualify for fully underwritten term life insurance or your pre-existing medical condition is significant enough that most insurers will not accept it.

So, the stock market crash did not devastate life insurers as it did other institutions.

Do you include foreign life insurers traded on US exchanges?

Founded by George Mecherle, State Farm has built it's reputation as a leading home and auto insurer, but what most people don't realize is they are one of the largest providers of life insurance in the United States.

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

How do you feel about life insurers?

That makes contagion risk larger for banks than life insurers — banks often have more investments across the financial sector than insurers do.

Does it make the stickiness more like a life insurer holding onto a rare «museum piece» bond that they could never replace, or like a day trader trying to clip nickels?

I've written about this before, but if the FSOC wants to prove that they don't know what they are doing, they should define a large life insurer to be a systemic threat.

Merely because a life insurance company has an economic interest in not selling insurance to someone who might harm the insured, does not mean that the insurable interest argument relies on the self - interest of the insurer.

The insurer may refuse your claim if you don't give them this information, and this could affect any life insurance you apply for in the future.

So, why don't plan sponsors take the life insurers up on this?

Aside from NWLI, I don't own any pure play life insurers, Yes, I own SFG, but it is mostly a disability insurer.

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.

I realize this is a harder way to look at the markets, but for those that have managed the interest rate risk at life insurers, this is the way the best do it.

Thanks to the innovations by life insurers, NULIPs do not fight the perception by simply reducing allocation charges, instead they take the game to a different plane.