Sentences with phrase «policy premiums does»

Living in a state with modest average home policy premiums doesn't mean that every insurer is going to offer you the best price and the best coverage for your needs.

While the payer of the policy premiums does not necessarily have to be the owner, the value becomes the owner's to control.

A landlord's policy premium does not cover loss to the tenant's belongings, whether it be in a condominium or a large apartment complex.

Not exact matches

It must (1) understand all exposures that might cause a policy to incur losses; (2) conservatively assess the likelihood of any exposure actually causing a loss and the probable cost if it does; (3) set a premium that, on average, will deliver a profit after both prospective loss costs and operating expenses are covered; and (4) be willing to walk away if the appropriate premium can't be obtained.

• Does the insurer give discounts on premiums for multiple policies?

The event, which was founded by the 92nd Street Y, doesn't have a specific policy on donor premiums, it said in a statement:» #GivingTuesday is an open - source movement, and we encourage organizations and individuals around the world to come up with all kinds of creative ways to do fundraising.»

«When I sit down with new retirees, we look at whether they need life insurance at all and how much their policy costs,» he said, explaining that many people don't understand that their premiums may rise.

«People who don't have group health policies will see premium rates skyrocket.

The stated goal was to advance policies to lower premiums, but the «skinny» bill would do the exact opposite, harming patients across the country.

Buying paid - up additions is similar to buying a small single - premium life insurance policy as you increase the policy's cash value and death benefit but don't have ongoing payments.

While dividend paying whole life policies aren't actually guaranteed to pay a dividend, should they do so, you don't have to pay income tax on the money as it's considered a return of premium.

The primary differences between these policies have to do with how premiums are paid and how the cash value grows over time.

If you fail to pay your premium by the due date, you typically have a short time frame in which to do so before the policy lapses.

Because these policies don't require any medical exams and you're instantly approved, the premiums are very high and the death benefit is low.

This does mean that GUL policies are fairly limited in terms of how you pay for them because policy loans or late premium payments can nullify the guarantees.

Premiums are generally paid for the life of the policy, though some choose to pay a higher premium for a shortened period of time, such as 20 years, in order to make sure their policy doesn't lapse later.

John Doe agrees to purchase Jane's $ 500,000 policy for $ 150,000 cash and will keep paying her premiums.

A return of premium policy can be a great option if you're financially stable and don't mind paying more for a guaranteed refund.

In addition, when some customers did get adequate insurance and provide proof, the bank still kept the forced - placed policies on accounts or didn't refund the premiums, or related fees and charges including repossession fees.

Do investors demand a risk premium for divided government because of the policy uncertainty of gridlock?

One of my highlights of my time in coalition was... that the attainment gap, namely how well poor kids do in school as opposed to their wealthier classmates, was closing for the first time in a very long period of time and the reason why that appears to be the case, was because of the effect of policies like the pupil premium.

We should be grateful for the work Centre Forum does of course, and personally I would commend them for the work they did on the pupil premium (albeit I think they have more thinking to do on this policy, but that is another story).

In the letter, Diaz zeroed in on Yankees COO Lonn Trost, who has faced criticism for saying on WFAN last week that the new ticket policy was done with the idea that some fans might feel frustrated if they were sitting near others that did not pay a premium price for certain seats.

Whilst the frontline schools budget has been protected and policies such as the pupil premium allocate more funding to low income pupils, cuts to central services provided by local government will require schools to do more with less.

In its findings, the EFA did not find pupil premium money had been inappropriately spent but said there was no specific policy relating to funding or expenditure.

Indeed, NFER research into the pupil premium has highlighted how important what is done with the extra resources is to the policy's success.

On the other hand, whole life policies do not expire if the premiums are paid and thus the death benefit will be paid eventually provided the policy remains in force.

Regardless of the company you currently maintain your life insurance policy with, canceling your life insurance will typically require you to do more than stop paying your contract's premiums.

Dropping earthquake protection can save you money; for example, in BC earthquake coverage can account for as much as one - third of a policy's premium but do you really need it in Ontario?

Buying paid - up additions is similar to buying a small single - premium life insurance policy as you increase the policy's cash value and death benefit but don't have ongoing payments.

As having a convertible policy doesn't change the insurer's risk while you maintain the term policy, it shouldn't increase your premiums and is generally just beneficial as it offers convenience should your financial situation change.

How do SafeAuto's state - minimum policy premiums fare compared to other auto insurers?

Some policies even allow you to get your premiums back after 15 years if you don't use them.

Does your premium (i) stay the same for 35 years, or (ii) increase year after year according to a fixed schedule that is stated in the policy, or (iii) will increase year after year according to some rate (e.g. inflation rate, prime lending rate / Interbank rate / LIBOR etc, or (iv) will be specified annually?

Your premium may increase: Depending on the type of life insurance policy that you buy, don't be surprised if your insurer increases your premium.

One thing you need to know about auto insurance is that, if you don't pay your premium, it means there is no policy.

However, the insurance company does retain the right to increase your premiums, unless the policy is also noncancelable.

If you're looking for a set premium because you have a budget or don't trust yourself to invest wisely, whole life may be the best permanent life insurance policy for you.

Even then, don't sign up for an insurance policy until you have crunched the numbers and figured out that its benefits are likely to offer you a better after - tax return on the premiums you pay than you would earn for CD rates or long - term investments.

Assuris does not collect premiums from policy owners.

Once that period has been fulfilled, your policy is paid up and you do not have to make another insurance premium payment.

Life insurance companies vary considerably, as do the policies they offer, the rating systems used, and the premiums they charge.

Does she really need to continue to pay premiums on this policy or can she cease paying and just leave the policy alone?

A lower premium doesn't always mean a more affordable policy.

Janice needs to be an irrevocable beneficiary of this policy, but also possibly an owner, so she pays the premiums and the insurance doesn't expire.

On the other hand, if I were to stay as a contractor and get my own insurance, as I do now, I would continue to pay the very same premium for me and my wife that I currently do, out of my pocket, and not suffer «change in policy».

It does make sense for group policy to be cheaper, but why do people complain about COBRA premiums all the time

Be careful though, if you're not paying your premiums and assuming the cash value has got you covered, you'll want to make sure to have sufficient funds so your policy doesn't lapse in coverage.

A large portion of your premiums payments will be invested in the insurance company's investment fund in whatever asset class you prefer (stocks, bonds, mutual funds, money market funds, etc.) Over time, this has the chance to generate a much larger cash value in your insurance account than a traditional whole life policy does.

Return of premium life insurance policies do just what they say: When the policy is up, the premiums paid over the previous decades are returned to the policyholder.