Sentences with phrase «risk by insurance companies»

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.

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.

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.

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.

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

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

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.

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

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

Not exact matches

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.

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.

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.

«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 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: 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

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.

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.

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.

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.

Those areas face «catastrophic risk» that could be increased by global warming, the company told California insurance regulators this month.

Better understanding of how climate affects tornado activity can help to predict tornado activity in the short - term, a month, or even a year in advance, and would be a major aid to insurance and reinsurance companies in assessing the risks posed by outbreaks.

They worry that it will lead to designer babies for the rich or to a lessening of respect for the disabled; they fear the patenting of genes by private corporations; they predict that medical insurance may cease to be offered by insurance companies to those whose risks are known and high.

Firms can compare corporate disclosures, exposures and vulnerabilities to those of peer companies via an insurance - risk analysis framework provided by The Willis Group.

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.

Underwriting requirements: Additional health information required by the insurance company in order to accurately assess the health of the life insured so that it can properly determine the risk of insuring him / her.

By spreading the risk among several writing companies, Effective Coverage is able to provide broad coverage at a low price for renters insurance in Corpus Christi, as well as for other types of insurance like Texas auto insurance.

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).

That's incredibly inexpensive for the amount of risk being assumed by the insurance company.

Mortality risk: The risk that the remaining lifetime for an annuitant will be different than expected by the mortality tables used by the insurance company.

Key man life insurance helps companies to reduce the risk of business disruption by paying a death benefit if employees that are critical to business operations pass away.

You may find your risk is less once you install a system or you may save a lot of money with your insurance company by making the investment.

Investments in CHET Advisor are not guaranteed or insured by the State of Connecticut, the Connecticut Higher Education Trust Program, the Connecticut 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.

However, your insurance company might consider the condition of your house an increased risk and raise your rates by 10 % the following year.

The intent of an IUL policy is to gradually decrease the «net amount of risk» (as seen by the insurance company), as you age.

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

The large management companies have entire risk management departments that are dedicated to reducing losses caused by tenants, and renters insurance is an easy and affordable way to reduce that risk.

Ideally, the risks faced by the Texas writing company should not impact Los Angeles Renters Insurance policyholders.

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 own.

I mean, some life insurance companies do accept «high risk profile» proposals and offer Life cover either at regular rates or by loading the premium.

Insurance companies reflect this greater risk by offering higher - priced motorcycle insurance quotes to youngInsurance companies reflect this greater risk by offering higher - priced motorcycle insurance quotes to younginsurance quotes to young drivers.

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.