Sentences with phrase «on risk to the insurance company»

Life insurance is priced based on risk to the insurance company.

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.

The company's Security Rating Platform continuously analyzes vast amounts of external data on security behaviors in order to help organizations manage third party risk, benchmark performance, and assess and negotiate cyber insurance premiums.

A variety of third parties — including banks, credit card issuers, insurance companies, leasing firms, investors, and so on — pull business credit scores to evaluate risk and reliability.

The existence of an effective insurance «floor» means that money managers at big companies have an incentive to take on extra risk to achieve higher returns and to hell with the consequences.

Reinsurers help mitigate losses to insurance companies by agreeing to take on some of the risk an insurer might incur after the primary insurer has incurred a preset loss level.

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.

Trade credit insurance is a multifaceted business tool for any company that sells goods or services on credit terms and is exposed to the risk of non-payment due to a buyer's insolvency or failure to pay within the agreed terms and conditions.

Insurance companies are well aware of the phenomenon in which people who take out insurance against, say, burglary, are known (on average if not in every case) to modify their behaviour so that the risk of being burgled iInsurance companies are well aware of the phenomenon in which people who take out insurance against, say, burglary, are known (on average if not in every case) to modify their behaviour so that the risk of being burgled iinsurance against, say, burglary, are known (on average if not in every case) to modify their behaviour so that the risk of being burgled increases.

In Support of Terrorism Risk Insurance Reauthorization (TRIA)- Provision Included to Protect GPI Member Companies from Restrictive Requirements on Derivative Transactions, January 7, 2015

And if breast is best, and if insurance companies have to pay out less money for women and babies who successfully maintain a healthy breastfeeding relationship (this on the assumption that, in fact, breastfed babies and mothers are healthier and less at risk for a variety of chronic ailments or cancers)- wouldn't it be in their best interest to shell out a couple hundred bucks for help their working, nursing mothers maintain a breastfeeding relationship?

«The fact that there is another law on the books granting an exemption... to medical malpractice insurance companies from these stringent requirements not only puts medical liability policyholders at risk, but all New York residents and companies who purchase auto, home and business insurance coverage.»

That's pure, actuarial math — the increased risk of dyingthat the smoker presents to the insurance company and that the company thenpasses on to the smoker.

That's pure, actuarial math — the increased risk of dying that the smoker presents to the insurance company and that the company then passes on to the smoker.

GAP protection mitigates those risks by covering the difference between what an insurance company pays to the finance or lease company based on fair market value and what the consumer owes on the vehicle.

When considering a list of the cheapest cars to insure, one of the biggest affordability factors is the amount of risk an insurance company is potentially taking on with a given model.

Coastal Florida renters insurance wind coverage can be difficult to find because not many companies want to take on that level of risk.

With several writing companies to take on coastal risk renters insurance, Corpus Christi renters insurance is now easy to find!

Conversely, the average returns tend to be lower than at risk investments such as stocks or real estate due to limitations set by the insurance company (usually represented by a contract fee or a cap, spread, or participation rate on the index allocation selected).

Because you deserve the peace of mind knowing that you have the right protection to match your needs and risks, and that your insurance company has the financial stability you can rely on.

Life insurance companies use medical underwriting to determine the risk they take on by offering a person coverage.

The price of insurance is individual to you, and it's set based on the risk being taken on by the company.

On the other hand, teenagers can and should be told that insurance is a way to transfer risk, that it involves many people pooling their money that's then administered by the company, and that it's designed to handle major losses that a person couldn't reasonably handle on their owOn the other hand, teenagers can and should be told that insurance is a way to transfer risk, that it involves many people pooling their money that's then administered by the company, and that it's designed to handle major losses that a person couldn't reasonably handle on their owon their own.

Concentration of risk has an impact on the willingness of insurance companies to write certain types of policies within a state, especially when that risk is heavily concentrated in a number of urban centers.

Your insurance premium is set based on the amount of risk that you present to the company.

That's a fully - owned subsidiary company which exists to comply with state requirements and to split the risks taken on by a national insurance company.

That's because there is no single insurance company large enough to take on the risk of an entire city being destroyed by a flood.

Just like you insure your home, you can insure your longevity by passing on the risk that you outlive your savings to an insurance company.

The lower your credit score is, the higher of a risk the insurance company is taking on and the more you're going to pay.

If you have a record that includes tickets, accidents or points on your license, these factors indicate to the insurance company that there is a higher risk of paying a claim.

The insurance company may not be willing to take on the additional risk of having to pay out the premium on a policy on a high risk applicant.

The price you pay for life insurance is simply about how much risk an insurance company is willing to take on you, which is why it is so important to have an independent insurance agent shop the market for you.

To make a long story short, when you apply for insurance in California, insurance companies calculate the money they stand to make on your policy versus the potential risk that they'll have to back that policy by paying out on claimTo make a long story short, when you apply for insurance in California, insurance companies calculate the money they stand to make on your policy versus the potential risk that they'll have to back that policy by paying out on claimto make on your policy versus the potential risk that they'll have to back that policy by paying out on claimto back that policy by paying out on claims.

On the other hand, if you're a 58 - year - old male who is overweight, smokes and has Type II diabetes, you are going to need an experienced agent to find the right insurance company willing to take a risk on yoOn the other hand, if you're a 58 - year - old male who is overweight, smokes and has Type II diabetes, you are going to need an experienced agent to find the right insurance company willing to take a risk on yoon you.

Companies like Lexis - Nexis amass huge amounts of data on every American, and then they package that data in easy - to - interpret reports or scores that the insurance company uses to make a decision on how much to charge you and what kind of risk you are.

The insurance company relies on information you provide about the risk to determine whether it's able to take the risk on, as well as how to price it, so honesty here is crucial.

When an insurance company invests your premium into their General Account, it bears the risks inherent to investing, and credits your policy with interest based on the account's performance.

Insurance companies are also more inclined to take on the risk, since the income threshold serves as motivation for disabled individuals to return to work.

Remember that you're paying the insurance company to assume risk on your behalf, and they need all the facts in order to properly rate, underwrite, price, and insure that risk.

While most car insurance companies rely on risk factors and credit scores to help determine insurability, there are a few providers that are more accepting of low credit and high risk drivers.

Through reinsurance, the risk of loss (but not counterparty risk) on these contracts can be transferred to other financial guarantee insurance and reinsurance companies.

The company trades very cheaply compared to its assets and earnings (assuming, of course, you believe management is genuine), and the insurance the company took on the receivables does help mitigate some of the risk.

When I was a risk manager and bond manager for a life insurance company (at the same time, dangerous, but great if done right) I had to have models that drove yields on corporates from Treasury yields.

Believe it or not, insurance companies base your rate on more than just risk; they also consider how likely you are to search for a better deal.

Unfortunately, insurance companies are also being very cautious and focusing on reducing loss ratios, not on acquiring business, making it more difficult to get insurance on high risk homes such as grow homes.

After all, life insurance is based on risk factors, and the older that you are the greater the risk you present to the insurance company of dying within the term of the policy.

The hard cold fact is that an insurance company can deny you coverage if they feel like you are a credit risk, and a bankruptcy greatly lowers your score and remains on your credit report for up to ten years.

[1] Reinsurance is an arrangement in which the reinsurer, agrees to take on risks another insurance company, the «ceding company,» for a percentage of the premiums paid on the original policy (for specifics, see Reinsurance).

If you have what is determined to be a high risk condition, the price of high risk life insurance coverage will be different based on your medical background and how risky the life insurance company views you.

And David Miller, CIC, CRM, and managing director at Bensman Risk Management in Chicago gave a detailed response, «I am a dog owner (our dog is an 80 lb mixed - breed, most likely including some Lab and Border Collie in his mix), so I can empathize with dog owners who do not agree with an insurance company's decision to deny coverage based on a dog's breed.»