Sentences with phrase «risk insurance market»

The high risk insurance market will insure all drivers who have had the above violations on their record.

Not exact matches

That could include an insurance product such as an annuity, which comes with higher fees, but can help curb market risks, she said.

Moody's Investors Service maintained its ratings for Desjardins but said the transaction creates risks, mainly because of the increased exposure to the high - risk Ontario personal auto insurance market, which will make its insurance operations «a less predictable source of earnings.»

The cyber insurance policy is the hottest insurance product in the market, but it is untested for wide - range, catastrophic cyber events, and many risk managers and security experts warn the days of low premiums and cover - everything policies are numbered.

Edwards also draws a comparison between modern - day investment methods — volatility targeting, risk parity, and trend - following quant funds — and the 1987 - era hedging technique called «portfolio insurance,» which is frequently associated with the market crash.

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.

The firm offers customized risk - assessment tools and insurance coverage designed for businesses with market capitalizations south of $ 500 million.

Catastrophe bonds, known in the insurance industry as «cat» bonds, are structured securities that allow reinsurers to transfer their own risks to capital - market investors.

But policy experts agree that they need some other policy to replace it — or else risk sending the individual insurance market into collapse.

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.

«In light of the issues noted above, the Bank of Israel, the Capital Market, Insurance and Savings Department, the Israel Tax Authority, the Israel Securities Authority, and the Israel Money Laundering and Terror Financing Prohibition Authority recommend to members of the public considering the use of decentralized virtual currencies to understand their characteristics, to be aware of the unique risks inherent in their use, and to display heightened awareness and caution.

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.

ACC Accounting & Auditing, AFR Africa, AGE Economics of Ageing, AGR Agricultural Economics, ARA Arab World, BAN Banking, BEC Business Economics, CBA Central Banking, CBE Cognitive & Behavioural Economics, CDM Collective Decision - Making, CFN Corporate Finance, CIS Confederation of Independent States, CMP Computational Economics, CNA China, COM Industrial Competition, CSE Economics of Strategic Management, CTA Contract Theory & Applications, CUL Cultural Economics, CWA Central & Western Asia, DCM Discrete Choice Models, DEM Demographic Economics, DEV Development, DGE Dynamic General Equilibrium, ECM Econometrics, EDU Education, EEC European Economics, EFF Efficiency & Productivity, ENE Energy Economics, ENT Entrepreneurship, ENV Environmental Economics, ETS Econometric Time Series, EUR Microeconomics European Issues, EVO Evolutionary Economics, EXP Experimental Economics, FDG Financial Development & Growth, FIN Finance, FMK Financial Markets, FOR Forecasting, GEO Economic Geography, GRO Economic Growth, GTH Game Theory, HAP Economics of Happiness, HEA Health Economics, HIS Business, Economic & Financial History, HME Heterodox Microeconomics, HPE History & Philosophy of Economics, HRM Human Capital & Human Resource Management, IAS Insurance Economics, ICT Information & Communication Technologies, IFN International Finance, IND Industrial Organization, INO Innovation, INT International Trade, IPR Intellectual Property Rights, IUE Informal & Underground Economics, KNM Knowledge Management & Knowledge Economy, LAB Labour Economics, LAM Central & South America, LAW Law & Economics, LMA Labor Markets - Supply, Demand & Wages, LTV Unemployment, Inequality & Poverty, MAC Macroeconomics, MFD Microfinance, MIC Microeconomics, MIG Economics of Human Migration, MKT Marketing, MON Monetary Economics, MST Market Microstructure, NET Network Economics, NEU Neuroeconomics, OPM Open Macroeconomics, ORE Operations Research, PBE Public Economics, PKE Post Keynesian Economics, POL Positive Political Economics, PPM Project, Program & Portfolio Management, PUB Public Finance, REG Regulation, RES Resource Economics, RMG Risk Management, SBM Small Business Management, SEA South East Asia, SOC Social Norms & Social Capital, SOG Sociology of Economics, SPO Sports & Economics, TID Technology & Industrial Dynamics, TRA Transition Economics, TRE Transport Economics, TUR Tourism Economics, UPT Utility Models & Prospect Theory, URE Urban & Real Estate Economics.

ACC Accounting & Auditing, AFR Africa, AGE Economics of Ageing, AGR Agricultural Economics, ARA Arab World, BAN Banking, BEC Business Economics, CBA Central Banking, CBE Cognitive & Behavioural Economics, CDM Collective Decision - Making, CFN Corporate Finance, CIS Confederation of Independent States, CMP Computational Economics, CNA China, COM Industrial Competition, CSE Economics of Strategic Management, CTA Contract Theory & Applications, CUL Cultural Economics, CWA Central & Western Asia, DCM Discrete Choice Models, DEM Demographic Economics, DEV Development, DGE Dynamic General Equilibrium, ECM Econometrics, EDU Education, EEC European Economics, EFF Efficiency & Productivity, ENE Energy Economics, ENT Entrepreneurship, ENV Environmental Economics, ETS Econometric Time Series, EUR Microeconomic European Issues, EVO Evolutionary Economics, EXP Experimental Economics, FDG Financial Development & Growth, FIN Finance, FMK Financial Markets, FOR Forecasting, GEO Economic Geography, GRO Economic Growth, GTH Game Theory, HAP Economics of Happiness, HEA Health Economics, HIS Business, Economic & Financial History, HME Heterodox Microeconomics, HPE History & Philosophy of Economics, HRM Human Capital & Human Resource Management, IAS Insurance Economics, ICT Information & Communication Technologies, IFN International Finance, IND Industrial Organization, INO Innovation, INT International Trade, IPR Intellectual Property Rights, IUE Informal & Underground Economics, KNM Knowledge Management & Knowledge Economy, LAB Labour Economics, LAM Central & South America, LAW Law & Economics, LMA Labor Markets - Supply, Demand & Wages, LTV Unemployment, Inequality & Poverty, MAC Macroeconomics, MFD Microfinance, MIC Microeconomics, MIG Economics of Human Migration, MKT Marketing, MON Monetary Economics, MST Market Microstructure, NET Network Economics, NEU Neuroeconomics, OPM Open Macroeconomics, PBE Public Economics, PKE Post Keynesian Economics, POL Positive Political Economics, PPM Project, Program & Portfolio Management, PUB Public Finance, REG Regulation, RES Resource Economics, RMG Risk Management, SBM Small Business Management, SEA South East Asia, SOC Social Norms & Social Capital, SOG Sociology of Economics, SPO Sports & Economics, TID Technology & Industrial Dynamics, TRA Transition Economics, TRE Transport Economics, TUR Tourism Economics, UPT Utility Models & Prospect Theory, URE Urban & Real Estate Economics.

An Indexed Universal Life (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to grow.

-- 4 reasons why «gold has entered a new bull market» — Schroders — Market complacency is key to gold bull market say Schroders — Investors are currently pricing in the most benign risk environment in history as seen in the VIX — History shows gold has the potential to perform very well in periods of stock market weakness (see chart)-- You should buy insurance when insurers don't believe that the «risk event» will happen — Very high Chinese gold demand, negative global interest rates and a weak dollar should push gold market» — Schroders — Market complacency is key to gold bull market say Schroders — Investors are currently pricing in the most benign risk environment in history as seen in the VIX — History shows gold has the potential to perform very well in periods of stock market weakness (see chart)-- You should buy insurance when insurers don't believe that the «risk event» will happen — Very high Chinese gold demand, negative global interest rates and a weak dollar should push gold Market complacency is key to gold bull market say Schroders — Investors are currently pricing in the most benign risk environment in history as seen in the VIX — History shows gold has the potential to perform very well in periods of stock market weakness (see chart)-- You should buy insurance when insurers don't believe that the «risk event» will happen — Very high Chinese gold demand, negative global interest rates and a weak dollar should push gold market say Schroders — Investors are currently pricing in the most benign risk environment in history as seen in the VIX — History shows gold has the potential to perform very well in periods of stock market weakness (see chart)-- You should buy insurance when insurers don't believe that the «risk event» will happen — Very high Chinese gold demand, negative global interest rates and a weak dollar should push gold market weakness (see chart)-- You should buy insurance when insurers don't believe that the «risk event» will happen — Very high Chinese gold demand, negative global interest rates and a weak dollar should push gold higher

Remaining revenue is captured by the reduction of infrastructure and counterparty risk for capital markets, as well as savings in Title Insurance commissions and maintenance cost.

In return, the insurance company takes the risk of market downturns to protect your annuity value and also promises to make payments from the annuity to you in a single payment or series of payments, over a fixed number of years.

The most promising growth opportunities for life insurers this year rest with group benefits, retail life insurance, pension risk transfer and some international markets, according to analyst Ryan Krueger.

These factors — many of which are beyond our control and the effects of which can be difficult to predict — include: credit, market, liquidity and funding, insurance, operational, regulatory compliance, strategic, reputation, legal and regulatory environment, competitive and systemic risks and other risks discussed in the risk sections of our 2017 Annual Report; including global uncertainty and volatility, elevated Canadian housing prices and household indebtedness, information technology and cyber risk, regulatory change, technological innovation and new entrants, global environmental policy and climate change, changes in consumer behavior, the end of quantitative easing, the business and economic conditions in the geographic regions in which we operate, the effects of changes in government fiscal, monetary and other policies, tax risk and transparency and environmental and social risk.

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.

Cyber insurance has been a fast - evolving market as the risks change.

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Managing Farm Risk Programme provides rebates for advice and assessments to help farmers prepare and apply for a new insurance policy that assists with the management of drought and other production and market risks.

They are responsible for tasks like upholding the program's youth sports philosophy, volunteer and parent management, conflict resolution, assessing insurance and risk management, program evaluation and marketing.

The topics covered include youth sports philosophy, professional development, mission statements, policies & procedures, volunteer management, child abuse and bullying prevention, parent management, conflict resolution, insurance & risk management, inclusion of children with disabilities and evaluation & marketing of programming.

Topics covered include: Youth sports philosophy, Professional development, Mission statements, Policies & procedures, Volunteer management, Child abuse prevention, Parent management, Conflict resolution, Insurance & risk management, Inclusion of children with disabilities, Evaluation & marketing of your program, Emergency planning, Model youth sports program, plus more.

Some of the topics covered at the Academy are youth sports philosophy, professional development, volunteer management, child abuse and bullying prevention, parent management, conflict resolution, insurance and risk management, program evaluation and marketing.

Director General at the Association of British Insurers, Huw Evans, said: «Having worked with the previous Government on delivering sweeping reforms to the pensions market and on practical measures to reduce car insurance premiums and tackle flood risk, the insurance industry looks forward to a constructive relationship with the new Parliament.

«No country in the world has an entirely free market providing universal affordable flood insurance, and action is needed now to avoid 200,000 high - risk homes struggling to afford cover.»

The big winner is Oxford Health Insurance, part of UnitedHealthCare, which controls roughly 70 percent of the small group market, and is owed $ 315 million from the Risk Adjustment program.

In the context of systemic risk due to banking panics, the Federal Deposit Insurance Corporation has the political effect of giving bankers an overpowering incentive to influence the Federal Reserve System's Federal Open Market Committee and the Federal Reserve Board of Governors to implement system wide policies for extension of credit which socialize and cartelize the banking sector to work towards its own common purpose.

Other supporters are: Alarm, representing risk managers in the public service, the Association of Insurance Risk Managers in Industry and Commerce, BAA, the British Safety Council, the Centre for Justice, the EEF, the Forum of Insurance Lawyers, Lloyd's Market Association, Lloyd's and the Society for Motor Manufacturers and Tradrisk managers in the public service, the Association of Insurance Risk Managers in Industry and Commerce, BAA, the British Safety Council, the Centre for Justice, the EEF, the Forum of Insurance Lawyers, Lloyd's Market Association, Lloyd's and the Society for Motor Manufacturers and TradRisk Managers in Industry and Commerce, BAA, the British Safety Council, the Centre for Justice, the EEF, the Forum of Insurance Lawyers, Lloyd's Market Association, Lloyd's and the Society for Motor Manufacturers and Traders.

The new study «Risk Assessment of Semi-Autonomous Vehicles Using Driver Behaviour Risk Analysis: A Paradigm Shift in Motor Insurance,» which will be presented by author Cian Ryan at the Society for Risk Analysis conference, June 19 - 21 in Lisbon, Portugal, at the Calouste Gulbenkian Foundation, proposes how risks might be governed and policies constructed using the enormous reams of data that driverless vehicles will supply the automotive insurancInsurance,» which will be presented by author Cian Ryan at the Society for Risk Analysis conference, June 19 - 21 in Lisbon, Portugal, at the Calouste Gulbenkian Foundation, proposes how risks might be governed and policies constructed using the enormous reams of data that driverless vehicles will supply the automotive insuranceinsurance market.

In October 2015, tax giant KPMG published a report projecting a 60 percent reduction in the $ 135 billion auto insurance market by 2040 owing to the advent of driverless cars and the ensuing risk landscape.

«Assessesing risk in a changing insurance market for driverless vehicles.»

The firm served several of the largest financial services companies of the world including asset management, credit card, insurance and lending companies in the areas of investment optimization, target marketing and risk management.

The Department for Education will provide a route to the commercial insurance market to purchase additional cover to manage these risks.

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.

However, they should also anticipate that their contract value will not normally increase in value to the same extent as the equity or bond markets during market upswings, simultaneously mitigating insurance company risk under the guarantee.

Effective Coverage is a Texas renters insurance provider with access to policy types and markets for just about any kind of risk.

This is a state - funded risk pool designed for people who can not reasonably get insurance on the voluntary market.

«In Florida, because of the hurricanes, there are certain areas that are deemed extremely high risk by the private insurance market and as a result, they do not want to take on new insurance clients,» says Lawrence Barker of the Canadian Snowbird Association.

Michael E. Stack, CFA, Mike is a fixed income portfolio manager and serves as chair of the Financial Reserves Management Team (FRMT), responsible for managing US Broad Market portfolios for clients with customized risk and return objectives often related to accounting and / or regulatory constraints, such as insurance clients.

Regulating the market helps control how life insurance coverage availability is offered to high - risk individuals.Other key functions of state regulations include agent and broker licensing to maintain a high caliber of insurance professionals and consumer services that give people options for resolving insurance issues and comparing their options.

As such, the government holds the tail risk of the mortgage market imploding already; why not make this insurance explicit, while also regulating and pricing it?

These risks are managed via the purchase of insurance, utilising instruments such as options; and ensuring the Fund is sufficiently diversified to cope under periods of market stress.

Remember that many companies have pulled out of the North Carolina property insurance market in recent years, largely because of a disconnect between what the state thinks are acceptable rates and what acceptable rates that represent the risk actually entail.

Canadian owned and operated, Perth Insurance offers drivers and homeowners who seek to improve their insurance records a better alternative to offerings available through high - risk markets... Insurance offers drivers and homeowners who seek to improve their insurance records a better alternative to offerings available through high - risk markets... insurance records a better alternative to offerings available through high - risk markets... read more

But if the whole money is invested in market (in ULIP's) and in addition you are getting some risk cover (insurance), why ULIP's are not preferred over Mutual funds for investments.