Sentences with phrase «premium than you need»

You don't want to pay a higher premium than you need to, but similarly, it could be disastrous if you needed to put in a claim and then found out you weren't covered for enough.

Applying with the wrong company will be a huge mistake which could lead to a decline of your application or having to pay higher premiums than you need to be paying.

Not exact matches

Moreover, it's common sense that one employer and employee response to rising healthcare costs would be turning to plans in which the lofty deductible offsets the exorbitant premiums — especially among younger employees who, generally speaking, need medical services a lot less than their older coworkers.

«Berkshire has access to two low - cost, non-perilous sources of leverage that allow us to safely own far more assets than our equity capital alone would permit: deferred taxes and «float,» the funds of others that our insurance business holds because it receives premiums before needing to pay out losses»

But be aware that your shop owner needs to turn a profit; premiums will typically be higher than at an online dealer to account for the extra overhead.

David Neuman, CEO of Gaea US elaborated on the significance behind the recent achievements, sharing, «The fact that an affordable Extra Virgin Olive Oil from Greece placed higher than a premium - priced bottle from Italy or Spain is proof that Greece needs to be in the conversation when talking about the best olive oils in the world.

But, he added, in order to close the import - export gap, farmers need help making ends meet during the three transition years in which they must farm organically and often experience lower yields than under conventional methods, but do not yet qualify for the higher price premium of organic to compensate for their losses.

Likewise, Buffalo, Arizona and the Chargers wouldn't need to offer more than a 2018 Round 2 pick to make a premium offer to swap 1st - rounders with the 49ers.

I have a lot more respect for clubs paying hefty premiums for players they feel they need to strengthen their squads than for a club passively waiting for an opportunity which might never materialise.

Plus, Luvs Ultra Leakguards with NightLock Plus ™ provide the high - quality features babies and parents need for less cost than the premium brands.

You'll love Luvs Ultra Leakguards with NightLock Plus ™ because they provide all the high - quality features babies and parents need for less cost than the premium brands.

The regular sized prefold is also perfect for babies who are too small for premium sized prefolds but need more absorbency than the infant prefolds offer.

Democrats want to use $ 35 million in bond premiums — essentially money generated by borrowing more than needed at higher interest rates — and cutting police overtime by reopening two closed police precincts and reducing the use of outside counsel.

Lawmakers project $ 30 million in revenue by recovering the value of bond premiums — money generated by borrowing more than needed at higher interest rates.

In the letter, Gonsalves also said NIFA is applying unfair standards by preventing lawmakers from recovering the value of bond premiums — money generated by borrowing more than needed at higher interest rates — and «has perpetuated the conditions that allow it to maintain a control period.»

While the monthly premiums for HVHPs would need to be modestly higher than those for existing HDHPs, the HVHP premiums would be lower than for most traditional plans.

To make this formula available to as many people who need it as possible, I partnered with Stop Aging Now, which has been making premium grade dietary supplements for more than 20 years.

People tend to think that the more difficult it is to get some thing, the more valuable it is, and this raises an important question: Can a premium class — in which you will need to get approved before you get accepted or pass a test — be more valuable than one you can just drop in?

Rather than focus on rolling back progress, we need legislators focused on common sense legislation that puts a premium on the progress our education system and ensures that our students continue to have high - quality options,» said Kemp.

Pupils come from a wide of range of backgrounds — 40 % are Afro - Caribbean, more than 50 % are on the pupil premium, nearly half speak English as a second language, and one in five has special educational needs.

If you want a premium driver's car without compromise, but need some of the utility of a compact crossover, look no further than the 2016 Infiniti QX50 3.7 L AWD.

Granted, the 3 Series is a tad smaller than the Gran Coupe and A5 Sportback, it's a traditional sedan, and can't offer as much room on the inside, but it's car you need to consider if you can live with all the above and pay less for a premium vehicle.

The all - new 2014 Acura MDX provides all the technology you need in a premium SUV for five to ten thousand dollars less than its German competition.

When it comes to buying a premium ride, you don't need to look any further than an Audi.

The all - new 2014 Acura MDX provides all the technology you need in a premium SUV for five to ten grand less than the German competition.

Being a premium car, though, the Jaguar F - Pace needs to be more than just a spacious place to spend time in.

Reengineered from the ground up, virtually every aspect of the 2016 Pilot has been thoroughly redesigned to better accommodate the needs of all its occupants — the driver and all passengers — delivering more family - friendly utility, more advanced technology, and more premium attributes and amenities than ever before.

It is comfortable and fits my needs but the gas mileage is generally lower than advertised despite using premium gasoline.

Whether it sets a new benchmark in the premium compact sedan segment will be up to the CLA, but the three - pointed star's first compact sedan will need to be pretty special to offer more substance and value than the accomplished A3 sedan.

Now more than ever, Aston Martin needed to try to reverse falling sales in the face of stiff competition from larger premium carmakers offering a broader portfolio of models.

It only gets slightly less fuel economy too than the standard Jetta, but you will need to fuel up on premium to get all those horses.

In the long run, consumers may grow to believe that high - end computing tablets with desktop operating systems are worth a higher premium than other tablets, but until then (selling prices) on Windows 8 and Windows RT devices need to come down to drive higher volumes.»

With a whole life policy, initial premium is higher than what is needed to fund the pure risk of death.

While the monthly premium will be higher than what you'd pay with a fixed health benefit plan, you'll have fewer out - of - pocket costs when you need care.

However, if you put anything less than 20 % down on a conventional loan, you'll need to pay private mortgage insurance — a monthly premium that can range anywhere from 0.3 % to 1.5 % of the total loan amount.

This includes if you were to become totally disabled, if you have excess medical bills that are more than 7 1/2 percent of your adjusted gross income, if you're unemployed and need to pay your health insurance premiums, if you owe taxes to the IRS, and if you want to pay higher education expenses for yourself or an immediate family member.

Not only is it possible that you will need the benefits earlier in life than expected, but the younger you are the lower the premiums for long - term care insurance.

Save 10 to 20 % more than you think you'll need; this can cover unexpected premium hikes or supplemental property tax assessments.

People that opt for permanent life insurance at an early age often find that because premiums are higher than with term life insurance, they skimp and buy less insurance than they really need to replace lost wages, pay off a mortgage or pay for their children's college education if they die.

Now that we've looked into some of the easiest ways you can reduce your premiums, let's consider the possibility that you may be paying for more coverage than you really need.

«Berkshire has access to two low - cost, non-perilous sources of leverage that allow us to safely own far more assets than our equity capital alone would permit: deferred taxes and «float,» the funds of others that our insurance business holds because it receives premiums before needing to pay out losses.

Being overinsured will just lead to much higher monthly premiums and more money than you could possibly need while disabled.

However, whole life insurance premiums are more expensive than term life insurance because of the additional cash component and would need to be considered when deciding on purchasing a whole life insurance policy.

If you look at the above graph and compare the blue line (the cost of life insurance on a yearly basis) with the white line (permanent insurance, premiums level for life), you'll see that in the early years, the whole life premiums far exceed the actual cost of insurance — the company is taking in premiums far higher than they need.

If you were sold a higher level of cover than you needed, you will receive a partial refund for the difference between the premium paid for the tyre and rim cover sold to you and the premium for the cheaper option available to you.

Since these needs are usually most necessary during working years, term life insurance is appropriate because it can be acquired at a lower initial premium than permanent insurance and cancelled when the specific family need is fulfilled.

This means, if your car is still very new, the premium you will need to pay for collision insurance policy will be higher than when the vehicle is almost fully depreciated.

«I often come across people who may prefer the long - term security of a permanent life policy, but they need a bigger death benefit than they can afford,» he said, noting that term life coverage, which offers a bigger benefit for smaller premiums, is generally the better bet in that case.

If you buy an ETF at a premium, you'll be paying more than you need to and putting yourself at an immediate disadvantage.

While initial premiums are higher than with a typical term policy, it is possible for coverage to continue until death of the insured, and cash value may accrue in the policy on a tax - deferred basis that can be used to help meet financial needs during your life.