Sentences with phrase «most other forms of insurance»

However, you should be aware that UMI does come with a deductible, as most other forms of insurance do.

While 2004 was an exceptional year for mortgage insurance, over the past 10 years CMHC has paid out at an average rate of 45 %, far lower than most other forms of insurance.

Not exact matches

Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.

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.

Back in the day, any form of flying was considered extremely hazardous and most life insurance companies would either force the applicant to pay an exorbitant amount or they would add an aviation exclusion clause to the policy, in other words, if you died as the result of a plane crash, your beneficiaries wouldn't receive the death benefit.

For traditional Wall Street plans, most of the time, this rules out investments in anything other than stocks, bonds and insurance in various forms.

We get most of our NPI about you directly from insurance applications and other forms that you or your insurance representative provide to us.

One of the most attractive things about Universal Life policies with Secondary Guarantees is that they provide lifelong coverage at rates that can be considerably lower than other forms of permanent insurance.

It is easy enough to keep one's children in a safe place; they probably already enjoy disproportionate educational and other institutional advantages over others, and you probably already read to them and engage in other forms of close parental involvement in education, so they can most easily afford some time off from school; and you are probably well - protected by insurance.

Unlike other «online» applications, which create an e-mail form or request at the insurer's end that must be reviewed personally from an underwriting point of view before the application is approved, LawyerDoneDeal.com is fully automated, providing in most cases instant approval for title insurance coverage.

Otherwise, even if you have been gravely ill, most insurance agents will recommend other forms of life insurance that will not cost as much assuming you qualify.

Yet other forms of insurance — perhaps most notably, life insurance — are optional giving the perception that they may not be needed.

We obtain most of the information we need directly from you on your application or other forms you complete, or from those you have authorized to provide information to us in connection with providing you insurance or administering claims.

VUL is more complex than most other forms of life insurance and should be monitored closely throughout the life of the policy.

Back in the day, any form of flying was considered extremely hazardous and most life insurance companies would either force the applicant to pay an exorbitant amount or they would add an aviation exclusion clause to the policy, in other words, if you died as the result of a plane crash, your beneficiaries wouldn't receive the death benefit.

While most discussions of medical underwriting in health insurance are about medical expense insurance, similar considerations apply for other forms of individually - purchased health insurance, such as disability income and longterm care insurance.

The other most popular option for coverage is to buy a whole life insurance plan, which is a permanent form of coverage.

On the other hand, whole life plan is the most common form of permanent life insurance.

This makes term plans the most affordable form of life insurance as premiums are cheaper compared to other life insurance plans.

They are the most affordable form of life insurance as premiums are cheaper compared to other life insurance plans.

While there are many different types of life insurance that can be used to fund a special needs trust, universal life can provide a certain amount of flexibility that most other forms of coverage can't.

However, it is most commonly found on term life insurance policies and other permanent forms of insurance coverage.

This type of insurance policy typically is less expensive than other forms of life insurance, as the employer often covers most or all of the premium.

Most final expense policies provide death benefits that are a smaller amount than other forms of life insurance, often between $ 5,000 and $ 25,000.

Compared with most other forms of life insurance, guaranteed - life policies have much higher premiums.

If it is the cost that is deterring you from purchasing renters insurance, you may be surprised to know that the premium you will pay for renters insurance in Pontiac, MI is lower than what you will pay for most other forms of coverage.

Whole life insurance and universal life insurance policies are the most popular form of life insurance even though they're more expensive than other types of coverage.

Most forms of homeowners insurance will cover the cost to repair or replace damage to your home's structure and other structures on your property, such as a storage shed or detached garage.

Grand Prairie renters insurance is a bargain in comparison to virtually all other forms of personal insurance, with annual fees that most all of us can fit into our budget.

In most cases, there are other forms of whole life insurance that can reduce or eliminate the premiums with the additional benefit of being able to recoup earnings higher than your premiums, or allow you to borrow against the policy without penalties.