Sentences with phrase «risk by insurance»

Even though some motorists may be considered high risk by an insurance company, they can still find affordable rates on their car insurance.

This can help you to secure the coverage that you need — even if you have certain health issues, and / or if you work in a dangerous occupation where you may considered a higher risk by the insurance carrier.

Senior drivers are considered a high risk by insurance companies for various reasons.

Cheap High Risk Auto Insurance Quotes Cheap high risk auto insurance quotes help drivers classified as high risk by their insurance companies save money on their policies.

That's why drivers over the age of 70 are considered high risk by insurance underwriters, and their senior car insurance premium rates will rise sharply, whether or not they have personally been involved in an accident.

Contrary to popular belief people who end up classified as high risk by some insurance companies are not doomed to pay exorbitant life insurance premiums.

Instead of being classified as low - risk by the insurance company, she's now moderate - to high - risk, depending on the diagnosis.

Just like senior citizens are charged a higher premium rate, teenage drivers are charged a higher premium rate too, since they are considered higher risk by the insurance companies.

Because most applicants who are 37 - years - of - age are healthy, their health status typically allows them to easily opt for an affordable 20 to 30 - year term life policy that is seen as a low - risk by the insurance companies.

If you have diabetes, are obese, are a smoker, have high cholesterol or blood pressure, or even bipolar disorder you are considered a high risk by the insurance company.

Being overweight is considered a health risk by insurance companies, but you just need to shop for the best life insurance for overweight or obese people.

The driver considered the highest risk by your insurance company will generally be used to figure your household premium.

Drivers with traffic violations, accidents, or DUIs are usually considered to be a much greater risk by insurance companies.

Not exact matches

Those federal rules, which double down on restrictions adopted in 2014 and stern warnings to lenders issued by OSFI earlier this summer, require banks to qualify borrowers at higher interest rates, impose additional limits on mortgages for buyers with small down payments, and compel financial institutions to share the risk by taking out insurance policies on low - ratio mortgages.

According to a 2010 survey by Travelers Insurance, 94 percent of small - business owners are confident their business is protected against insurable risks, despite only 56 percent having disaster - recovery iInsurance, 94 percent of small - business owners are confident their business is protected against insurable risks, despite only 56 percent having disaster - recovery insuranceinsurance.

The agents, risk managers, and small - business consultants Inc. spoke with warned that insurance purchases can be driven by exaggerated fears, particularly of litigation.

The individual mandate balances the risk pool by requiring all Americans to buy health insurance or pay a fine, with some exceptions.

But that long history of data on past catastrophes does not exist in the cyber insurance policy world, says Stephen Boyer, the CTO and co-founder of risk - rating company BitSight, a company that assesses company risk for cyber policies written by AIG, Travelers, and others.

The same way that a bank deemed too big to fail might take greater risks — having the knowledge that its most severe mistakes will be underwritten by somebody else — so, too, can signing your name on a marriage licence offer a sort of insurance policy that changes your behaviour.

Excited by the discovery, Glickman presented the idea of callback to his bosses, only to be told that Amex had no interest in risking irritating Argentina's only phone company; it essentially regarded its outrageous phone bills as insurance that its telephone service would remain at least semireliable.

The cyber risk policy, in tandem with other insurance upgrades requested by the healthcare provider, helped Bowman & Partners seal the deal.

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.

Thirty - three percent of small and midsize U.S. employers surveyed in 2014 by risk management and insurance brokerage firm Marsh & McLennan report having a cyber liability policy installed, up from just 16 percent in 2013.

«Call your insurance company and ask how much it will lower your premiums by raising your deductible, and then determine whether you want to assume that much financial risk,» Fisher said.

the preservation among the Jews of «the «haggling» habit which most of the Western world has outgrown,» «the use of shoddy or poor materials,» the fact that «Jews are considered by certain leading insurance companies as a poor fire risk,» etc..

The notion is that by pursuing a slightly tighter monetary policy, the central bank would take out insurance against the risk that the rise in asset prices is a bubble and that its busting would be disruptive.

an independent agency of the federal government, created in 1933, charged with preserving and promoting public confidence in the U.S. financial system by insuring deposits in banks and thrift institutions up to applicable limits; by identifying, monitoring, and addressing risks to the deposit insurance funds; and by limiting the effect on the economy and the financial system when a bank or thrift institution fails; further information on the FDIC and FDIC coverage may be found at fdic.gov

BitSight Security Ratings are used by global enterprises to continuously monitor the risk posed by vendors in their supply chain, report to board members about their own security performance benchmarks within a peer group, and support underwriting decisions for cyber insurance.

GLOBAL RISKS AND OPPORTUNITIES: The World View Hosted by Zurich Insurance Group Mary Callahan Erdoes, Chief Executive Officer, J.P. Morgan Asset Management Efrat Peled, Chairman and CEO, Arison Investments Susan Schwab, Former U.S. Trade Representative; Strategic Advisor, Mayer Brown; Professor, School of Public Policy, University of Maryland Isabelle Welton, Chief Human Resources Officer and Regional Chairman of Latin America, Zurich Insurance Group Moderator: Nina Easton, Washington Columnist; Senior Editor; Chair, MPW International and Co-chair, Global Forum, Fortune

The rules directly affect companies who have cross-border transactions with related firms for reinsurance, a term for the method by which insurance risk is spread around by insuring the insurers.

During the fiscal year, certain Marsh subsidiaries were retained by the Company to provide services unrelated to executive compensation, including insurance brokerage services, risk management advisory services, business continuity consulting services and actuarial services.

GLOBAL RISKS AND OPPORTUNITIES: C - Suite Challenges: Top Level, Top of Mind Hosted by Zurich Insurance Group Jane Fraser, Chief Executive Officer, Latin America, Citi Lynn Good, President, CEO, Vice Chair, Duke Energy Denise Morrison, President and CEO, Campbell Soup Sandi Peterson, Group Worldwide Chairman, Johnson & Johnson Moderator: Nina Easton, Fortune

GLOBAL RISKS AND OPPORTUNITIES: Defending Against Cyber Threats Hosted by Zurich Insurance Group Helen Greiner, Chief Executive Officer, CyPhy Works Jane Holl Lute, Chief Executive Officer, Center for Internet Security Paula Tolliver, Corporate Vice President, Business Services and CIO, The Dow Chemical Company Moderator: Leena Rao, Senior Writer, Fortune

What makes climate change different, they say, is that there are five new variables: uncertain and fragmented environmental legislation and regulations; the reactions of capital and insurance markets to emerging business opportunities (and matching risks) posed by climate change; stakeholder activism; pending litigation and the rapidly evolving scientific debate over proper responses to climate change.

A roommate is not covered by another's renters insurance because the policies are not priced appropriately for that risk.

You can not control the risk of the asset like you could with real estate by using creative legal structuring, having proper insurance, or protecting yourself against economic cycles through positive cash flow.

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.

The Funds are not insured by FDIC or any other type of deposit insurance; are not deposits or other obligations of, and are not guaranteed by Schwab Bank or any of its affiliates; and involve investment risks, including possible loss of principal invested.

These include industrial IoT platforms Relayr and Mnubo, which created a commercial partnership with Munich Re to create risk management products for Mnubo's customers making IoT investments as well as WePredict, which planned to co-develop an insurance solution with Munich Re backed by the auto warranty analytics startup's risk calculations.

Running a small businesses comes with a certain amount of risk, but you can protect against this by purchasing insurance protection.

The regulatory risk can be handled by learning about legal requirements and regulations, but you will also want to purchase liability insurance for your business.

A CONVERSATION STARTER By Paula L. Green Trade credit insurance is making it easier for companies to interact with their suppliers around the world, and usage is soaring as global corporations recognize the risk - mitigating benefits.

It's simply an insurance policy issued by a private company that lowers risk for the lender.

Large global sellers, by contrast, who choose credit insurance primarily for financing purposes, retain a portion of the credit risk on their balance sheet and manage it through their tighter payment terms and conditions.

Investments in SMART529 are not guaranteed or insured by the State of West Virginia, the Board of Trustees of the West Virginia College Prepaid Tuition and Savings Program, the West Virginia State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, including the loss of the principal amount invested, and may not be appropriate for all investors.

Attempts to price deposit insurance according to risk, so as to recreate a penalty for holding on a risk bank portfolio, were mandated by the FDIC improvement act, but the attempt has failed.

By ensuring adequate corporate risk management, credit insurance has become an essential ingredient for proper corporate governance, required by investors, banks and rating agencies alikBy ensuring adequate corporate risk management, credit insurance has become an essential ingredient for proper corporate governance, required by investors, banks and rating agencies alikby investors, banks and rating agencies alike.

Because insurance agencies are considered «high - risk» by traditional lenders.

This insurance fee is paid by the broker and will likely lower your interest rate, but it is much better to get insured and earn smaller interest rate, than go for bigger interest rated bonds at your own risk.

By day an office - bound Coral Springs insurance and financial adviser specializing in life, health and risk management, Schachter is not a natural crusader.