Sentences with phrase «risk class rating»

This risk class rating, or underwriting rating (also known as health rating), is a huge factor in determining the ultimate cost of insurance for the policy owner.

Since then, I've had 2 bouts of melanoma, yet, I was given the option of converting my 15 - year term policy to a lifetime «universal life» policy at Genworth's Preferred Best risk class rate for my current age.

Not exact matches

Anbang has been a leader among insurers when it comes to using so - called wealth management products, a class of lightly regulated investments that promise higher rates of return than conventional investments, but that also carry higher risks that may or may not be disclosed.

Keep in mind the goals of diversifying among market segments, which is to reduce the major risks of the major asset classes (stock market risk for stocks and interest rate risk for bonds).

Overall, the Strategic Total Return Fund remains positioned primarily to benefit from downward pressure on real interest rates and the U.S. dollar, but our overall exposure to risk is relatively conservative in all of the asset classes we hold - TIPS, precious metals, utilities, U.S. agency notes, and foreign government securities.

As interest rates have decreased, investors have had to assume greater portfolio risk and asset class diversification to keep pace with their objectives.

What we're seeing here — make no mistake about it — is not a rational, justified, quantifiable response to lower interest rates, but rather a historic compression of risk premiums across every risky asset class, particularly equities, leveraged loans, and junk bonds.

They measure long - term risk as the probability that portfolio value is below its initial value after ten years from 10,000 Monte ‐ Carlo simulations based on expected asset class returns, pairwise asset return correlations, inflation, investment alpha (baseline constant 1 % annually) and withdrawals (baseline approximately 5 % annual real rate).

A class X rating also indicates that the potential risks always outweigh the benefits, so pregnant women should never be on a statin drug.

Working with a large population of at - risk students, the Big Picture school in Providence boasts a 90 percent graduation rate, and Oakland's MetWest senior class had the highest pass rate on the California High School Exit Exam of Oakland's eighteen high schools.

Grade retention that results from narrow measures of academic preparedness can increase student risk for problems in school, including increased drop - out rates, and even when the student is promoted, the use of such assessments to sort students creates tracks within grade levels that reflect racial, ethnic, and social - class differences and that function to direct entire categories of students toward low - wage jobs or incarceration.

Given that our crystal balls are opaque for predicting interest rates, I thought it would be interesting to continue my interview with two financial advisors about managing interest rate risk in the municipal bond asset class.

Ratings are fine in theory, and someone has to make judgments of relative risk, but the macro decision of what classes of investments are permitted, and what capital level to hold against them belongs to the regulators.

If you can find a lender to approve a loan, you will be classed as high risk and subject to a high interest rate.

Maintenance call Maloney Act of 1938 Management fee Manipulation Margin Margin account Margin Agreement Margin call Markdown Market maker Market order Market price Marking to market Markup Matching orders Maturity class of option Maturity date MBIA Member order Merger MIG ratings Mil Minimum maintenance Minimum - maximum underwriting Minor Minor Rule Violation Plan Letter Money market account Money market fund Money purchase plan Money spread Money purchase plans Moral obligation bond Moral suasion Mortality risk Mortgage - backed security Mortgage bond MSRB Municipal Underwriting Munifacts Mutual fund

Neither precious metals nor commodities have a record of earning high rates of returns for the high unit of risk compared to those asset classes I recommend.

Putnam funds with four - or five - star overall rating for class Y shares in their Morningstar category based on risk - adjusted returns.

Risks from economic factors, interest rates, regulations, political upheaval and currency exposure can affect returns across sectors and asset classes.

Insurers will use rate classes, or risk - related categories, to determine premium payment amounts.

Preferred — To receive a preferred health class rating you will need to be a low risk, with good to great health, abstain from dangerous hobbies or jobs and have a good driving record, with only some minor traffic violations.

A banks profitability is typically measured over reserved capital in order to stay solvent, Economic Capital, which is correlated to each customers rating / risk grade / risk class, hence a customer with a very good risk grade can be just a good customer, in terms of profitability, as a high risk customer and vice versa.

Risk Classification: The process by which underwriting determines the risk associated with an applicant and assigns an appropriate rating class to the polRisk Classification: The process by which underwriting determines the risk associated with an applicant and assigns an appropriate rating class to the polrisk associated with an applicant and assigns an appropriate rating class to the policy.

Underwriting determines the risk associated with an applicant and either assigns the appropriate rating class for the policy or declines to offer a policy.

Morningstar ratings may vary among share classes and are based on historical risk - adjusted total returns, which are not indicative of future results.

Rating classes are risk categories that life insurance companies place you in based on the risk you represent.

The life insurance company will determine the risk you present and assign your policy to a particular rating class.

Because you want a higher rate of return for the risk of investing in stocks when compared to the rate of return of other asset classes.

Risk based capital should higher for securitized assets versus unsecuritized assets in a given ratings class, because of potentially higher loss severities.

How you choose to distribute your investments among the various asset classes depends on your goals, your risk tolerance, and your expected rate of return.

The increase in capital required to fund the sale of the additional bonds inevitably comes from other asset classes, resulting in an increase in the rate of return for all assets across the risk curve as investors sell other assets to re-weight their mix of holdings toward bonds.

Since qualification criteria varies among the numerous insurance companies, it is not uncommon for an individual to qualify for different rate class (risk class) at different insurance companies.

The Bottom Line Despite the nearly infinite combination of strategies that can be employed to speculate on rising or falling rates as well as try and eliminate the key risks to investing bonds identified above, the best approach to investors may be to hold a diversified mix of bond classes across a wide array of maturity dates.

Life Insurance Class or Life Insurance Underwriting Class or Life Insurance Health Class and Life Insurance Risk Classes are all sometimes used to describe the rating system used by the life Insurance industry.

The main event is the finding that we can reduce the risk of stock investing for millions of middle - class people by 70 percent just by opening the internet to honest posting on safe withdrawal rates and other critically important investment - related topics.

The individual risk profile and rate of return can vary widely from one asset class to the next.

Some insurers will even consider the international travel habits of policy applicants when they assign risk classes and rates.

In addition to the normal risks associated with fixed income securities discussed elsewhere in this SAI and the fund's prospectus (e.g., interest rate risk and default risk), CDOs carry additional risks including, but not limited to: (i) the possibility that distributions from collateral securities will not be adequate to make interest or other payments; (ii) the quality of the collateral may decline in value or default; (iii) the fund may invest in CDOs that are subordinate to other classes; (iv) the complex structure of the security may not be fully understood at the time of investment and may produce disputes with the issuer or unexpected investment results; and (v) credit ratings by major credit rating agencies may be no indication of the creditworthiness of the security.

On the facts of these appeals, it seems reasonable to infer that recognizing interest as an expense would lead to a transfer of resources between classes of parties in which unsuccessful defendants are exposed to the risks of paying high interest rates designed to pay for the cost of lending money, not just to the successful party in the case but other plaintiffs who receive financing but may not recover moneys to pay for their loans...

Different risk bands would then be set for each class with a different premium rate for each band.

If a person has a hazardous job that places them in a high risk rate class.

If you suffer from other health conditions such as diabetes, Multiple Sclerosis, Crohn's disease, sleep apnea, or have a history or cancer, heart disease, or stroke — you will need to work with us to get a customized high risk life insurance quote, because you will likely not qualify for any of the rate classes in our instant life insurance quotes tool.

Essentially, if you have a clean medical history (no history of cancer, heart disease, stroke, diabetes, etc.), a clean motor vehicle record (max 2 tickets in the last 3 years), and any prescriptions you take or have taken are for normal «run of the mill» sicknesses and not for things that pose a health risk, then you have a great shot at a preferred plus or preferred rate class.

Underwriting determines the risk associated with an applicant and either assigns the appropriate rating class for the policy or declines to offer a policy.

People with similar levels of risk are placed in common rating classes and charged the same premium.

Being «rated» means that the underwriters classify you below Standard life insurance risk classes.

People with similar levels of risk are placed in common rating classes and charged the same cost for life insurance.

Rates shown for 20 - year Level Term V for a male at best risk class available for these products, the age you provided within the tool, and the amount of insurance.

A table rating means you will be paying a higher price for life insurance because certain factors put you outside the normal range of risk classes that the carrier offers.

If you are a recovering alcoholic and have not had a drink in five years, but have other high risk health conditions, you will likely receive a Standard health class rating.

Table ratings are assigned to applicants who have a few more risk factors associated with them that put them outside the standard risk class realm.