Sentences with phrase «not individual insurance companies»

Whether or not individual insurance companies raise or lower prices for new term life insurance policies is not regulated.

Not exact matches

We broke down their silos and created a horizontal data platform that spanned the individual insurance companies and solved a problem that they really couldn't solve themselves.

The alternative, portable pensions offered by insurance companies, would not force employers to contribute, and would allow individuals to opt out or reduce their contribution rates to match their needs.

(a) Schedule 2.7 (a) of the Disclosure Schedule contains a list setting forth each employee benefit plan, program, policy or arrangement (including any «employee benefit plan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligation.

Broker - dealers that have «proprietary products, affiliated mutual funds and insurance products,» Reish says, «almost have to go under the best interest contract exemption because they can't really do level fee;... the fees have to be level, not only for the individual advisor but for the BD and all related parties — including the insurance company and mutual fund manager.»

It does not discuss all aspects of U.S. federal income taxation that may be relevant to particular holders in light of their particular circumstances or to holders subject to special rules under the Code (including, but not limited to, insurance companies, tax - exempt organizations, financial institutions, broker - dealers, partners in partnerships (or entities or arrangements treated as partnerships for U.S. federal income tax purposes) that hold HP Co. common stock, pass - through entities (or investors therein), traders in securities who elect to apply a mark - to - market method of accounting, stockholders who hold HP Co. common stock as part of a «hedge,» «straddle,» «conversion,» «synthetic security,» «integrated investment» or «constructive sale transaction,» individuals who receive HP Co. or Hewlett Packard Enterprise common stock upon the exercise of employee stock options or otherwise as compensation, holders who are liable for the alternative minimum tax or any holders who actually or constructively own 5 % or more of HP Co. common stock).

Insurance rates change every year, so a company or individual isn't locked into a long - term commitment.

it's all up to the individual people, if you are a catholic and you don't want birth control then don't ask your insurance company to pay for it.

These benefits include but are not limited to the power of the human touch and presence, of being surrounded by supportive people of a family's own choosing, security in birthing in a familiar and comfortable environment of home, feeling less inhibited in expressing unique responses to labor (such as making sounds, moving freely, adopting positions of comfort, being intimate with her partner, nursing a toddler, eating and drinking as needed and desired, expressing or practicing individual cultural, value and faith based rituals that enhance coping)-- all of which can lead to easier labors and births, not having to make a decision about when to go to the hospital during labor (going too early can slow progress and increase use of the cascade of risky interventions, while going too late can be intensely uncomfortable or even lead to a risky unplanned birth en route), being able to choose how and when to include children (who are making their own adjustments and are less challenged by a lengthy absence of their parents and excessive interruptions of family routines), enabling uninterrupted family boding and breastfeeding, huge cost savings for insurance companies and those without insurance, and increasing the likelihood of having a deeply empowering and profoundly positive, life changing pregnancy and birth experience.

For example, if we did away with the individual mandate to buy health insurance, but continued to ensure that insurance companies did not discriminate against people with pre-existing conditions, then young, healthy people may forego health insurance, leaving the industry with a disproportionately high number of sick people, driving up the cost of health care.

«many individual coverage plans were dropped by insurance companies,» because they did not include things the law mandated.

CSRs are payments to insurance companies that subsidize the premiums of low - income customers who can not afford to buy health plans on the individual market.

The Cuomo administration told insurance companies they can not discriminate or deny coverage to people based on gender identity in New York after DFS received complaints from transgender individuals who said they were denied services in certain circumstances.

In the U.S., we already have legislation that prevents health insurance companies from discriminating against individuals based on genetic information, but it doesn't apply to life insurance or long - term care policies.

We may maintain contracts with insurance companies, but that does not mean your individual contract with the insurance company covers our services.

But since most individuals aren't up to the task of analyzing the finances and claims - paying ability of insurance companies, a more practical way to home in on strong insurers is to look for those that get high financial strength ratings — say, A + or better — from firms like A.M. Best and Standard & Poor's.

People can still get exemptions to the individual mandate, companies are trying to get out of the employer mandate, and the fine for not getting health insurance is still too low.

Individuals do not negotiate with the owner of the structured settlement (usually an insurance company) but do so with a third party willing to buy all or part of the remaining settlement, known as the funder.

PRIER is not a unique concept of mine, but is attempt to apply the ideas of professionals trying to manage the assets and liabilities of an endowment, defined benefit plan, or life insurance company to the needs of an individual or a family.

Since qualification criteria varies among the numerous insurance companies, it is not uncommon for an individual to qualify for different rate class (risk class) at different insurance companies.

Because there are many possible permutations and complications that can come about as a result of blood clots or emboli, life insurance companies will decide whether to underwrite a term life insurance policy or not based on the individual details of each case.

An insurance company can not, however, refuse to sell an individual an insurance policy based solely on his or her credit.

Finally, I don't necessarily think this was intended by Gardner, but the book also showcases how an individual late in life can benefit from their life insurance policy without having to take the lower cash - out offers from the insurance companies.

The challenge is that, in many instances, Woof Gang Bakery is competing against individuals who have not invested the time and resources in development, training, education or insurance that our company does to ensure a quality, consistent, safe customer experience.

To that end, we chose to serve not just as attorneys who dealt with insurance companies, but also to serve as counselors, quelling the fears of individuals who had been understandably rattled by a traumatic accident or incident.

If an individual waits a significant period of time before seeing a doctor, an insurance company could potentially use this information as a reason to claim that one's injuries did not occur because of the accident, and that they must have happened after the fact for some other reason.

It is crucial that you don't accept any offer, either in person or over the phone without contacting an attorney at Ward Smith, PLLC, as insurance companies are notorious for «low - balling» settlements with unsuspecting individuals.

What has been going on in that province for years now has been a system that increasingly doesn't work for individuals seeking accident benefits, and it is tipped in favour of insurance companies looking to reduce payouts whenever they can.

As a result, in October 2015, he decided to relocate his practice to Marble Falls, and in doing so, Kelly and his son, Jackson, were not only able to get out of the Houston routine of rushed breakfasts and miles of traffic, but Kelly could also start doing what he loves most — zealously advocating on behalf of individuals, and their families, against big corporations and insurance companies.

Although not further explored in this article, it should be noted that SLPs are also frequently used as vehicles for investment in Lloyd's, as their separate legal personality enables them to become «names» along with limited companies and individuals (that is, legal persons that carry on a single business of underwriting insurance).

Don't try and take on the insurance company or at - fault individuals alone.

It is important to understand that even if the police report assigns fault to a specific person, this does not necessarily mean that this individual will be found liable for your injuries in a personal injury lawsuit or by the insurance company evaluating your personal injury claim.

We are dedicated exclusively to advocating for the rights of individuals injured or wrongfully killed in accidents, we do not represent insurance companies or corporations.

An uninsured motorist may not have an insurance company, but you can still file a claim against the individual and win your case if his or her negligence caused the accident.

Know that you don't have to take on the legal process, insurance companies, and negligent individuals alone.

While the project has been supported from the outset by major insurers, there is a concern that without legislation some insurers, including smaller insurance companies and those providing defined benefit schemes (which, ostensibly, have less to gain by participating), will not provide the necessary data such that individuals can access all their pension scheme information in one place.

These are not the type of circumstances under which an individual should attempt to fight the insurance company alone; the process is way too complicated for the average person to handle without the benefit of legal counsel.

We are not intimidated by large corporations or insurance companies that rarely have an injured individual's best interests in mind.

Don't let an insurance company or another individual deny you the security and success you deserve.

Munday & Nathan is a Chicago personal injury law firm that represents injured individuals in catastrophic injury cases, not insurance companies.

Not only is it important that an individual be examined, medical professionals will also document any of an individual's injuries which can later be used in the event of litigation or against an insurance company.

Our law firm works with a diverse range of clients, including individuals, small businesses, physician groups, contractors, developers, not - for - profit organizations, municipalities, Fortune 500 companies, insurance companies, employers and hospitals on a regular basis.

Under the proposed bill, insurance companies would not be allowed to refuse to offer homeowners insurance or renters insurance coverage based on the specific breed of an individual's dog.

This structure is critical to the health of our legal process, because it allows individuals, no matter their income level, to take on major commercial enterprises and nation - wide insurance companies, even if they can not afford the up - front cost of hiring a lawyer.

Individual valeters were taken on under written agreements which referred to them as «sub-contractors» (liable for their own tax and National Insurance, as Her Majesty's Revenue & Customs had accepted) and contained clauses stating that they did not have to provide their services on any particular occasion and that the company did not guarantee work; also, there was a clause permitting substitution with another suitably qualified valeter.

Whether that fish is an individual client, a corporation, an insurance company or even a great referral source, your big fish isn't going to catch itself.

Individuals between the ages of 50 and 85 can not be turned down for Guaranteed Issue Whole Life insurance, regardless of health status, lifestyle or medical history by AIG Life Insurer Companies.

Depending upon medical history some individuals may not be covered for certain conditions, but the insurance company will alert those individuals to that fact before they take out their policy.

Thankfully, insurance companies do recognize that this isn't a foolproof method and have taken steps to allow individuals to prove that they are less - risky than their peers.

Many insurance companies offer affordable policies to individuals who may not be ideal candidates.