Sentences with phrase «make life insurers»

Sometimes your choice of hobbies such as scuba diving, boxing and skydiving can make life insurers apprehensive about the risk factors involved.

Not exact matches

Make life difficult for an influential employee, and an insurer can jeopardize the whole relationship» ¦.

They also threaten the viability of money market funds and make life tough for investors with nominal liabilities, such as insurers and pension funds.

Brighthouse Financial, distributor of Shield Level Selector; Allianz Life, distributor of Index Advantage; and Axa, distributor of Structured Capital Strategies; made up the three major insurers selling these hybrid variable annuities.

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

The deal makes the Swiss firm the largest retail life insurer down under.

Insurers are starting to make cognitive impairment testing a part of the underwriting process for larger life insurance cases...

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.

Industry data shows the difference insurers make With: 9.4 million paid everyday over life, income protection and critical illness insurance in 2014 Over # 1bn in claims paid to households and business affected by the winter 2013/14 floods and storms And tracking of motor and household premiums

Today's FHA buyers had other options in the past — but today, conventional lenders are on the sidelines, mortgage insurers are redlining all over the place, and LLPAs are a fact of life, making conventional loans a lot more expensive for «regular folks.»

While many insurers offer the option of billing directly from a checking or savings account, Gerber Life also offers the option to make payments using your credit card.

If you're considering coverage from Gerber Life, or any insurer, make sure that you clearly understand exactly what you're paying for.

Two insurers, Empire Life and Manulife, have confirmed to Advisor.ca that their GMWB offerings will make payments based on the pre-2015 RRIF minimums this year; in 2016, they'll use the current RRIF minimums.

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).

On the other hand, if you decide it's worth it to invest in whole life insurance, you should make sure to choose an insurer that has a high financial strength rating.

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.

The banks could force repayment, and if I were a leading bondholder (calling the major life insurers), I would have one of my lawyers make a courtesy call to MBIA's lawyers, and suggest that any payment of bonuses could be viewed as fraudulent conveyance.

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.»

Just like life insurance, it can be difficult for consumers to figure out how and where insurers make their money due to the intangible nature these products.

That's because women, on average, live longer than men, and this makes them less risky to insurers.

I haven't always been a fan of the industry that I was raised in, but the life insurers learned from their past errors, and as a result, made it through the financial crisis very well, unlike the banks.

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?

Finally, even if you decide that this approach of combining an annuity with conventional investments makes sense, you would still want to consider such prudent steps as shopping around to make sure you're getting a competitive payment, annuitizing gradually rather than all at once, diversifying your annuity money among a few highly rated insurers and limiting the amount you invest with any single insurer to the maximum amount covered by your state's life and health insurance guaranty association.

So remember that if you want to surrender your whole life policy, you should contact your insurer and tell them first, then settle on when you'll make your last payment.

A quarter of whole life policies are terminated within the first 3 years, and nearly half are terminated within the first 10 years, so insurers like to make sure they recover their expenses if you bail on them.

Now, as an actuary, I had more asset knowledge than most, but seeing the variation made me say to myself that if actuaries are risk managers in life insurers, the syllabus for teaching actuaries is wrong, because it focuses on liabilities, not assets.

Auto and home insurers look at your credit score, too — or more typically, at a similar «insurance credit score» built from in - house data and not made publicly available — so it's reasonable to wonder whether something similar happens when you shop for life insurance.

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.

«Manulife was the first insurer to underwrite people with diabetes, and we are continuing in that tradition by making life insurance a possibility for the more than 75,000 Canadians who have tested HIV - positive,» Manulife Canada chief executive Marianne Harrison said.

Because their mandate is to make insurance accessible to all lawyers regardless of market conditions, captive insurers must show leadership and foresight if they expect to live up to their commitment to protect lawyers and their clients throughout the insurance cycle.

22 The right under sections 1 and 3 to equal treatment with respect to services and to contract on equal terms, without discrimination because of age, sex, marital status, family status or disability, is not infringed where a contract of automobile, life, accident or sickness or disability insurance or a contract of group insurance between an insurer and an association or person other than an employer, or a life annuity, differentiates or makes a distinction, exclusion or preference on reasonable and bona fide grounds because of age, sex, marital status, family status or disability.

However, UKIP justice spokesman Peter Jewell said: «Unlike the Tories, UKIP are not going to pander to powerful lobbying by insurers to make life impossible for claimants.

We work with many of the best life insurers in the marketplace today, and we can assist you in obtaining all of the pertinent information that you need to make a well - informed purchase decision.

The suggestion is to change lifestyle if there are any bad habits and try to make the insurers apprehend that you want to live long and this will draw the attention of them.

Participation in an attempt to defraud an insurer or a life settlement company may make it difficult or impossible to obtain insurance in the future.

The premiums for a return premium term life plan are usually higher than for a regular level term life insurance policy, since the insurer needs to make money by using your premiums as an interest free loan, rather than as a non-returnable premium.

Under the terms of a life insurance policy, the insurer will generally make a payment upon the death of the insured.

The company was originally established back in 1840 as The Barbados Mutual Life Assurance Society — making it one of the oldest insurers in all of the Americas.

Were life insurers prescient, or just lucky when making that decision?

Though simplified issue term life insurance makes it easier for you that doesn't mean you shouldn't do your homework when looking for an insurer.

As experience accumulates for that make and model, the car may be moved up or down in the ratings and that would affect the cost you pay for comp and collision coverage,» In addition to your type of car, auto insurers factor in your driving record, claims history, credit history, age, gender, amount and type of auto insurance purchased, where you live, just to name a few key pricing variables.

The premiums for a return premium term life plan are usually much higher than for a regular level term life insurance policy, since the insurer needs to make money by using the premiums as an interest free loan, rather than as a non-returnable premium.

According to LIFE, for a 20 to 30 % premium, your insurer will refund the payments you made over the life of the polLIFE, for a 20 to 30 % premium, your insurer will refund the payments you made over the life of the pollife of the policy.

Because of these staggering statistics, diabetics are considered a higher risk by life insurers, sometimes making it very challenging to find affordable life insurance coverage.

As alluded to above, these types of things not only make it a little harder to get coverage by limiting the companies who will offer you the best life insurance rates, you'll also likely pay higher premiums depending on the level of risk the insurer evaluates you at.

Jun 20, 2012 - The New Jersey State Legislature works hard to improve the quality of life for all residents in the Garden State, and sometimes that includes making changes to how auto insurance is addressed by insurers and...

Therefore, adequate follow - up with your cardiologist is very important to providing the insurer with the information needed to make you the best offer for life insurance.

No matter what your reason for considering guaranteed issue life insurance may be, it's always a good idea to get at least three quotes from various reputable life insurers before make a decision.

This makes LICI the oldest and the most trusted Life Insurer in the insurance sector.