Sentences with phrase «of standard insurance»

However, one thing that all policies will have in common is the inclusion of general liability coverage and contents coverage as part of the standard insurance package.

A person without significant health issues can benefit from the low rates of standard insurance, which is also known as traditionally underwritten insurance.

Many of the standard insurance companies do not cover certain types of disasters in certain areas, for example earthquake and flood which require additional coverages.

Policies may differ a bit from one insurance company to another, but all will include liability coverage and contents coverage as part of their standard insurance package.

Think of standard insurance as something that you want to have as a driver because without it, you risk the possibility of not having enough coverage.

Our main operations are specialty insurance, which provides coverage for hard - to - place risks that generally do not fit in the underwriting criteria of standard insurance carriers.

«There's some drive - tos where it's an hour and a half down a road from the closest fire hall,» says McCool, CEO of Standard Insurance Brokers in Kenora, Ont.

A: A personal umbrella policy provides additional liability coverage after you've reached the limits of a standard insurance policy, like homeowners or car insurance.

Policies may differ a bit from one insurance company to another, but all will include liability coverage and contents coverage as part of their standard insurance package.

Products and availability vary by state and are solely the responsibility of Standard Insurance Company.

Not exact matches

The technology «has the potential to dramatically reduce time, cost and risk across the entire insurance value chain,» said Bill Pieroni, president and CEO of ACORD, an insurance standards group, in a statement.

Financial institutions including the Royal Bank of Scotland and insurance giant Standard Life have announced plans to transfer some operations south of the border to ensure they remain part of British tax and currency systems.

It is what makes possible the very popular 30 - year fixed - rate mortgage with a down payment that is manageable for a wide swath of creditworthy borrowers (20 %, with or without primary mortgage insurance for a conforming borrower), but also maintains other underwriting standards as well.

The incentives have spurred a number of state - level experiments in Medicaid (America's health - insurance program for the poor) through waivers of the standard rules.

The 11 billion pound merger triggered the right for Lloyds and Scottish Widows, which is part of the British bank, to review an agreement struck in 2014 for Aberdeen to manage pension assets on behalf of Lloyds» insurance and wealth units as Standard Life is a «material competitor» to both.

But by combining those standards, which drive up the price of insurance, with a reduction in financial assistance and mandates to carry coverage, it's hard to see how poor people who are more likely to lack insurance will be able to afford it anymore.

CVS said it achieved this in part by excluding Valeant diabetes drug Glumetza from its standard formulary, or the list of drugs typically covered by insurance, because a generic version of the medication was available.

Not only should clinicians consider the lack of evidence supporting the efficacy of rACTH, but its story should cause us to reexamine and strengthen our standards for FDA approval, Medicare and private insurance coverage, and professional use patterns.»

The case began several years ago when First Canadian, a title insurance company, sued the Law Society of New Brunswick for amending its professional standards to require a lawyer to be present when property owners swore affidavits for the sale or mortgage of a property.

Currently, insurance plans need to meet minimum standards and cover essential benefits as part of their plans under the Affordable Care Act.

Each member of the Audit Committee shall meet the independence standards and expertise requirements of the New York Stock Exchange corporate governance listing standards, the Securities Exchange Act of 1934 and rules promulgated thereunder, the Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA), and other applicable laws and regulations, in each case, as of the Firm's most recent annual meeting.

Over 90 percent of broker - dealers (BDs), registered investment advisers, insurance companies, agents, and consultants are small businesses according to the SBA size standards (13 CFR 121.201).

But while the total number of U.S. life insurance policies — bought by both private citizens and employers — is shrinking, standard life plans are still among the most popular form of coverage purchased.

The death benefit and payment plan of any standard whole life insurance policy are set as part of the policy and do not change.

«The Company's employment practices liability insurance retention has grown to $ 1 million from $ 350,000, causing an unacceptable level of risk for the Company, and the premiums for this insurance are well outside of industry standards,» the letter said.

Americans for Annuity Protection has engaged in active outreach to leaders of influence to establish the argument that the DOL's fiduciary rule should be returned because of the analysis performed by the department is flawed, inconclusive and arbitrary; it is not compatible with the Uniform Security Law or established insurance law, and the law has potential conflict with the Dodd - Frank requirements to the Securities and Exchange Commission (SEC) on reviewing a uniform fiduciary standard.

Prior to the Fiduciary Rule, only financial advisors subject to the Investment Adviser's Act of 1940 («investment advisers») were subject to the ERISA standard, while brokers and insurance agents were not.

The budget repeals the ACA and replaces it with the RSC's American Health Care Reform Act, which provides a standard deduction for health insurance, allows the purchase of health insurance across state lines, and reforms the medical liability system among other changes.

For this reason, the standard amount of liability protection in most insurance policies might not be adequate.

The final DOL regulation «unfairly targets certain types of fixed annuity products, making it harder for Americans to purchase fixed indexed annuities when it is in their best interest to do so,» he said, adding that «this legal challenge is necessary because the rule creates an unworkable standard for independent agents and insurance companies and goes far beyond DOL's authority.»

While you need to focus plenty of attention on the standards, like health insurance and PTO, it makes sense to take the time to build some season - specific perks into your benefits plan.

With the entrance of new private mortgage insurers into Canada after the Flaherty budget, Canada saw a dramatic weakening in the standards for mortgage insurance.

Second, DOL «then offers an exemption from this far - reaching prohibition — known as the best interest contract exemption (or «BIC» exemption)-- but conditions it on financial services firms and insurance institutions agreeing to subject themselves to fiduciary standards of conduct in contracts that they must enter into with their customers, as well as a range of other restrictions and requirements.»

These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.

Standard Life Aberdeen may return unit sale cashStandard Life Aberdeen PLC (SLA.LN) said Thursday that it is considering retuning a substantial amount of capital to shareholders from the 2.93 billion pound ($ 3.99 billion) sale of its insurance unit to Phoenix Group Holdings (PHNX.LN).

(6) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standaInsurance developed home insurance policy forms that are similar but not identical to the standainsurance policy forms that are similar but not identical to the standard forms.

In this year's State of the Union, President George W. Bush proposed a $ 15,000 standard deduction for health insurance, claiming a family of four making $ 60,000 would receive a $ 4,500 tax break to buy health insurance on its own.

Today, non-fiduciary financial advisors — like brokers and insurance agents — recommend investments to 401 (k) plan sponsors based on a suitability standard of care.

«It reflects the direction of travel for Standard Life,» given the company's move in recent years to build up its asset management arm and move away from insurance, said Liontrust fund manager Jamie Clark, which holds shares in the firm.

Standard comprehensive and collision car insurance policies pay for the replacement of your vehicle during a total loss — for instance — if your car is totaled or stolen.

Finding ways to deny legitimate claims is standard operating procedure at for - profit insurance corporations, and the cost of premiums encourages employers to press injured employees not to report their injuries.

Additionally, the price for a standard UL policy can increase as you age if the illustrated interest rates drop or the internal cost of insurance increases.

You'll pay standard FHA mortgage insurance, which is typically 1.75 percent of the full loan amount upfront (rolled into the loan) and 0.85 percent yearly (broken into 12 equal monthly payments).

With offices in both the US and Canada, DALBAR develops standards and measurement systems that improve the quality of products, service and compliance for the retirement, mutual fund, broker / dealer, discount brokerage, life insurance, healthcare and banking industries.

In addition to the standard types of coverage like general liability insurance or property insurance, the operational risks that tech companies face trigger insurance needs that are solved by more nuanced lines of coverage like technology errors and omissions insurance and cyber liability insurance.

A far greater part of the text — thousands of pages in more than 30 chapters — has to do with harmonizing regulations (financial, health and safety standards, etc.), reinforcing intellectual property rights (patents, copyrights), opening up new sectors to privatization and foreign investment (health insurance and education), and putting strict limits on how governments choose to protect the environment or create jobs.

Standard renters insurance policies will not cover the contents of your rental home if you are flooded due to weather.

To avoid this, the National Association of Insurance Commissioners opened a dialog with the SEC and has just updated its suitability standard for sales.

Term life insurance can be used to shield your heirs from debts or make sure your spouse can maintain their standard of living.

«Many of the comments expressed support for, or a willingness to work towards, a best interest standard for annuities and life insurance,» wrote Maria T. Vullo, superintendent of the DFS.