Sentences with phrase «most insurance contracts»

Cash Value It is referred to in most insurance contracts as cash surrender value or surrender value.

Just like most insurance contracts, travel insurance provides coverage for specified reasons.

Most insurance contracts operate on the principle of indemnity, which means the insurance company agrees to make the insured whole after a specified loss, but no more and no less.

Any change / transfer of ownership — most insurance contracts are personal in nature and hence a change of ownership is a material fact for the insurer

Not exact matches

Most notably, it allows insurance agents or brokers to receive commissions, or other indirect compensation (e.g., 12b - 1 fees) that can vary based on the advice given, as long as the «Best Interest Contract» Exemption (BICE) applies.

9 Active versus Passive Fleet Tracking Systems 10 Architectures of Fleet Tracking Systems 11 Real - time Fleet Tracking Systems 12 Laws Concerning the Usage, Applications, Installations 13 Fleet Tracking Contracts and License Agreements 14 Industry in the US, UK, Europe & Other Major Markets 15 Correlation to Telematics & Fleet Insurance 16 The Future of Fleet Tracking Systems and Fleet Tracking Market 17 Common FAQs 18 Top 100 Telematics Blog Links 19 15 Most Popular Fleet Tracking Web Posts From Past 12 Months 20 10 Popular Global Fleet Tracking Consultancies

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Notwithstanding the claims of the Obama administration, employers will still be facilitating the coverage to which they object, in the contracts they make with insurance companies, and in most cases will actually still be paying in full for the coverage.

Typically, urgent care centers contract with most major health plans and patients» insurance is verified at the time of service.

He writes: «the most solvent, efficient, and equitable social contract is one based on a few simple, universal programs of social insurance.»

Most insurance companies will require you to go through one of their approved and contracted DME (Durable Medical Equipment) providers.

While contracts between the parties prior to 1993 specifically stated that the agreed upon health insurance benefits were effective for the duration of the contract, such language was omitted from the two most recent agreements in effect between January 1993 and May 2004.

In most cases, the grant is attached to an employment contract with the recipient's institution that includes public social security coverage such as health insurance and pension benefits.

University of Texas at Austin economics professor Michael Geruso and Harvard Medical School research fellow Timothy Layton investigated risk adjustments in private Medicare Advantage (MA) plans, finding the costly practice of upcoding to be most prevalent among highly integrated insurance plans — or insurers that are more tightly connected with the physicians they contract.

Most insurances are contracted with either LabCorp or Quest, and there's this misnomer floating around in the functional medicine community that the conventional labs like LabCorp and Quest, that are these huge national labs with a huge repertoire of resources at their disposal, are somehow bad at testing for parasites and infections.

The actress says ice antics are prohibited by most movie contracts for insurance...

Most teacher contracts had long required districts to provide expensive health - insurance plans through the union - backed WEA Trust.

If the policyholder dies early in the contract lifetime the insurance carrier must finance most of the death benefit.

ForeCertain Income Annuity and ForeCertain Advisory Income Annuity are issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, Indiana and are available in most states with contract FL - FPA - 13, as applicable.

A Life policy at its most basic level is a contract between you and the insurance company to pay a sum of money to your beneficiaries in the event of your death, to cover expenses and make up for the lack of your income.

In most life insurance contracts this is the date midway between the insured's birthdays.

Like other types of cash value life insurance policies which allow policy loans, most annuity contracts allow owners to borrow against the annuity contract's accumulated cash value.

Most insurance companies offer riders — enhancements that meet an individual's specific needs — for their annuity contracts.

One strategy I see no mention of in your blog for tax deferred or tax free savings is the growing use of truly Self Directed IRAâ $ ™ s. Most young people still donâ $ ™ t know that as far as IRAâ $ ™ s are concerned, the IRS regulations only exclude investments in Collectibles like art and fine wine, life insurance contracts and shares in an S Corp from an IRA account.

A Life policy at its most basic level is a contract between you and an insurance company to pay a sum of money to your beneficiaries in the event of your death.

Search for «replacement cost» when signing the dotted line — this is generally the most significant section of a homeowners insurance contract as it covers the insured for the replacement cost of ones home if damage is significant enough

At its most basic level, motorcycle insurance is a contract between the policyholder (usually the registered owner of the motorcycle) and the insurance company.

Now, most of the business done was by insurance contracts, and the laws on rehabilitation, conservation and liquidation indicate that similar parties are to be treated equitably within each class of claimants.

The situation is exacerbated by the heavy trading volume of the instruments, the secrecy surrounding the trades, and — most importantly — the lack of regulation in this insurance contract business.

In most states, minors do not have the right to contract, and so can not own stocks, bonds, mutual funds, annuities and life insurance policies.

Added tax, estate planning and protection benefits — unlike most conventional GICs, these are actually insurance contracts

A clause is written into most term insurance contracts that allows you to convert your policy to a permanent one.

Finally, and perhaps most importantly, P&C companies do not substantially inflate their book values with deferred acquisition costs (up - front costs to acquire a customer amortized over the expected life of a contract) like life or disability insurance underwriters do.

The Court found that the interpretation of insurance contracts involves a unique blend of the general principles of interpretation applicable to all contracts and the unique principles applicable in the insurance setting.22 While courts have found that the «language of the policy» is the most important factor in determining whether coverage is granted or excluded, courts have found that where there is genuine ambiguity or doubt, the duty to defend ought to be resolved in favour of the insured.23 Similarly other insurance law principles should be considered, such as the principle that coverage provisions should be construed broadly and exclusion clauses should be construed narrowly.24 It was this last principle that the Court looked to in making a decision in this case.

However, the contract that is entered into between a motorist and an insurance company is lengthy, and most motorists do not take the time to read over the entire policy but instead skim the declarations page to gain a basic understanding of their coverage.

The Insurance Act 2015 (the Act), which came into force on the 12th August 2016, represents one of the most significant reforms of insurance contract law in the UK in the lastInsurance Act 2015 (the Act), which came into force on the 12th August 2016, represents one of the most significant reforms of insurance contract law in the UK in the lastinsurance contract law in the UK in the last century.

Our client base includes both local and international companies in most sectors: banking and finance, insurance, building contracting, manufacturing, government procurement, information technology, real estate, leisure and tourism, and transportation.

Insurance Disputes Contract law governs most of the proceedings in an insurance dispInsurance Disputes Contract law governs most of the proceedings in an insurance dispinsurance dispute case.

Most significantly, they said that when it comes to interpreting the words of an insurance policy (or similar kind of document) the proper vantage point is what a reasonable non-expert member of the public would understand the words to mean when they enter into the contract.

In most Florida insurance contracts, Underinsured Motorist means the at - fault party doesn't have enough, or adequate, insurance to fully compensate you for your losses and injuries caused by their negligence.

Dominic has provided expert evidence on English law for foreign courts, most recently on construction and interpretation of a yacht insurance contract in Tel Aviv.

Most large organizations (such as banks, insurance companies, companies with high volumes of contracts with customers, etc.) handle a steady flow of this «low complexity» work.

In most life insurance contracts this is the date midway between the insured's birthdays.

Most permanent life insurance policies are not guaranteed, unless the illustration and contract specifically include a no lapse rider.

Your school is very well done, much better than the material provided by most DMVs... I appreciate that you include a lot of safety advice in you traffic school and would recommend that somehow this material should be a required course to get a driver's license and an insurance contract... Just some thoughts from a satisfied customer.

A clause is written into most term insurance contracts that allows you to convert your policy to a permanent one.

Most all travel insurance policies will provide reimbursement for the cost of a home, villa, condo or other rental property as long as there is a written agreement or contract between the insured and the renter.

As with most aspects of an insurance contract, the coverage area is there to reflect the risks assessed by your insurer.

After reading through dozens of credit card contracts, we found the most frequently included benefit is travel accident insurance.

Most insurance policies allow you to lend your car to a friend, but renting it out for money may violate the contract with your insurance company.