Sentences with phrase «risk by life insurers»

Because of these staggering statistics, diabetics are considered a higher risk by life insurers, sometimes making it very challenging to find affordable life insurance coverage.

Not exact matches

I / WE HEREBY RELEASE, WAIVE, DISCHARGE AND COVENANT NOT TO SUE the CHICAGO SPORT & SOCIAL CLUB, INC. («CSSC») and its affiliates (CSSC and its affiliates are referred to collectively as the «CLUB»), the sufficiency of which consideration is expressly acknowledged, and intending to be legally bound, do hereby, for myself, my heirs, executors, administrators, insurers, assigns, attorneys, representatives, agents, beneficiaries, legatees, representatives, successors, assigns and any other persons who may make claims on my behalf (collectively the «RELEASORS») OR ALL SPORTS SERIES / PARK DISTRICT OF HIGHLAND PARK / WINDY CITY FIELD HOUSE / CHICAGO PARK DISTRICT / FITNESS FORMULA CLUBS (FFC — UNION STATION) / URBANA PARK DISTRICT / MADISON PARKS ORGANIZATION / ABUNDANT LIFE CHRISTIAN SCHOOL / LANSING PARKS / CITY OF BLOOMINGTON / UNIVERSITY OF MICHIGAN / CHICAGO PUBLIC SCHOOLS — LAKE VIEW HIGH SCHOOL / CAMP OJIBWA / AUSTIN PARKS AND RECREATION facilities used by the participant, including its owners, managers, promoters, lessees of premises used to conduct the event or program, premises and event inspectors, underwriters, consultants and others who give recommendations, directions, or instructions to engage in risk evaluation or loss control activities regarding the CHICAGO SPORT & SOCIAL CLUB, INC. («CSSC») and its affiliates (CSSC and its affiliates are referred to collectively as the «CLUB»), the sufficiency of which consideration is expressly acknowledged, and intending to be legally bound, do hereby, for myself, my heirs, executors, administrators, insurers, assigns, attorneys, representatives, agents, beneficiaries, legatees, representatives, successors, assigns and any other persons who may make claims on my behalf (collectively the «RELEASORS») OR ALL SPORTS SERIES / PARK DISTRICT OF HIGHLAND PARK / WINDY CITY FIELD HOUSE / CHICAGO PARK DISTRICT / FITNESS FORMULA CLUBS (FFC — UNION STATION) / URBANA PARK DISTRICT / MADISON PARKS ORGANIZATION / ABUNDANT LIFE CHRISTIAN SCHOOL / LANSING PARKS / CITY OF BLOOMINGTON / UNIVERSITY OF MICHIGAN / CHICAGO PUBLIC SCHOOLS — LAKE VIEW HIGH SCHOOL / CAMP OJIBWA / AUSTIN PARKS AND RECREATION facilities or events held at such facility and each of them, their directors, officers, agents, employees, all for the purposes herein referred to as «Releasee»... FROM ALL LIABILITY TO THE UNDERSIGNED, my / our personal representatives, assigns, executors, heirs and next to kin FOR ANY AND ALL CLAIMS, DEMANDS, LOSSES OR DAMAGES AND ANY CLAIMS OR DEMANDS THEREFORE ON ACCOUNT OF ANY INJURY, INCLUDING BUT NOT LIMITED TO THE DEATH OF THE PARTICIPANT OR DAMAGE TO PROPERTY, ARISING OUT OF OR RELATING TO THE EVENT (S) CAUSED OR ALLEGED TO BE CAUSED IN WHOLE OR IN PART BY THE NEGLIGENCE OF THE RELEASEE OR OTHERWISby the participant, including its owners, managers, promoters, lessees of premises used to conduct the event or program, premises and event inspectors, underwriters, consultants and others who give recommendations, directions, or instructions to engage in risk evaluation or loss control activities regarding the CHICAGO SPORT & SOCIAL CLUB, INC. («CSSC») and its affiliates (CSSC and its affiliates are referred to collectively as the «CLUB»), the sufficiency of which consideration is expressly acknowledged, and intending to be legally bound, do hereby, for myself, my heirs, executors, administrators, insurers, assigns, attorneys, representatives, agents, beneficiaries, legatees, representatives, successors, assigns and any other persons who may make claims on my behalf (collectively the «RELEASORS») OR ALL SPORTS SERIES / PARK DISTRICT OF HIGHLAND PARK / WINDY CITY FIELD HOUSE / CHICAGO PARK DISTRICT / FITNESS FORMULA CLUBS (FFC — UNION STATION) / URBANA PARK DISTRICT / MADISON PARKS ORGANIZATION / ABUNDANT LIFE CHRISTIAN SCHOOL / LANSING PARKS / CITY OF BLOOMINGTON / UNIVERSITY OF MICHIGAN / CHICAGO PUBLIC SCHOOLS — LAKE VIEW HIGH SCHOOL / CAMP OJIBWA / AUSTIN PARKS AND RECREATION facilities or events held at such facility and each of them, their directors, officers, agents, employees, all for the purposes herein referred to as «Releasee»... FROM ALL LIABILITY TO THE UNDERSIGNED, my / our personal representatives, assigns, executors, heirs and next to kin FOR ANY AND ALL CLAIMS, DEMANDS, LOSSES OR DAMAGES AND ANY CLAIMS OR DEMANDS THEREFORE ON ACCOUNT OF ANY INJURY, INCLUDING BUT NOT LIMITED TO THE DEATH OF THE PARTICIPANT OR DAMAGE TO PROPERTY, ARISING OUT OF OR RELATING TO THE EVENT (S) CAUSED OR ALLEGED TO BE CAUSED IN WHOLE OR IN PART BY THE NEGLIGENCE OF THE RELEASEE OR OTHERWISBY THE NEGLIGENCE OF THE RELEASEE OR OTHERWISE.

According to the nonprofit Insurance Information Institute (III), insurers offer several types of home insurance deductibles, depending on where you live and risks posed by severe weather, floods and earthquakes.

Systemic risk comes from short - dated financing of long - dated assets, which is often done by banks, but rarely by life insurers.

Designed to prevent the risk of outliving your income, annuities work by giving a lump sum or series of payments to an insurance company, and in return, the insurer agrees to pay you a guaranteed income for a certain length of time (or even for the rest of your life).

Sun Life Financial appointed Kennedy with a mandate to help protect the company's long - standing integrity as a leading insurer by enhancing its commitment to transparency and clearly documented accountability, while supporting its highly - rated enterprise risk management practices.

Generally speaking, guaranteed issue life insurance will cost a bit more than some other traditional types of life insurance because of the increased risk factor taken on by the insurer.

The combined sum assured of all policies should not exceed your human life value, which is the risk assessment calculated by your insurers at the time of policy application.

As alluded to above, these types of things not only make it a little harder to get coverage by limiting the companies who will offer you the best life insurance rates, you'll also likely pay higher premiums depending on the level of risk the insurer evaluates you at.

Sub-standard lives or higher risk cases may be charged extra premiums as per the Insurer's underwriting policy, and such extra premiums could be higher than the premiums quoted in this Website, and up to any limit whatsoever, as deemed appropriate by the Insurer.

Designed to prevent the risk of outliving your income, annuities work by giving a lump sum or series of payments to an insurance company, and in return, the insurer agrees to pay you a guaranteed income for a certain length of time (or even for the rest of your life).

There are also many other health risks associated with these health conditions which are taken into account by all life insurers when evaluating you for a policy.

According to the nonprofit Insurance Information Institute (III), insurers offer several types of home insurance deductibles, depending on where you live and risks posed by severe weather, floods and earthquakes.

When you're getting life insurance quotes, your premiums will be set in part by your «risk class,» which is defined by an insurer's «underwriting guidelines.»

Life insurance is different because by making your policy retroactive by a short period, the insurer isn't taking on any more risk.

Underwriting is the methodology applied by life insurers to examine or assess the insurance risks before accepting or rejecting coverage and determining the appropriate premiums for them.

So insurers cover high risk lives by charging more premiums or may decline the proposal as well.

By separating the savings component and the death benefit component, the life insurer transfers the investment risk of the VUL to the insured.

In a whole life policy, the life insurer assumes the investment risk by guaranteeing a minimum cash value growth.

Unoccupied or vacant (no furnishings) homes are considered a higher risk by insurers because no one lives on site to maintain and protect the property.

Infant life insurance is generally much less expensive than other types of life insurance because of the increased length of the policy coverage and the reduced amount of immediate risk faced by the insurer.

The risks most commonly covered by life insurers are accidental death and permanent total or partial disability.

The higher life cover or Sum Assured policies will have a higher cost or premium amount to cover the risk by the insurer.

The move follows a meeting of the Life Insurance Council today, where insurers suggested that mortality charges, which go into fixing the risk premium, be kept outside the ceiling imposed by Irda last week.

Thirty - nine percent of Univera Healthcare commercial members living with diabetes are at risk for eye disease and blindness because they aren't getting their recommended annual diabetic retinal exams, according to a review of claims data by the regional health insurer.