Sentences with phrase «risk of the insured»

The low incidence of shareholder lawsuits may cause insurers to ignore the risks of insuring the errors and omissions of corporate boards, and may encourage financial institutions to lend money to marginal borrowers that are bad credit risks.

Insurance companies charge these, which often run about 1.25 % of your account value, to cover the costs and risks of insuring your money.

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.

To cover the added risk of insuring younger drivers some insurers will assign the driver who's the most expensive to insure to the car that's the most expensive to insure.

Taking on the additional risk of insuring larger loans when home values continue declining may seem foolhardy, but if approved, time will tell whether this plan stems the tide of foreclosures or further sinks FHA mortgage insurance reserves.

Smoking cigarettes drastically raises your risk of insuring to the carrier because chances are you'll have health issues as time goes on.

In a nutshell, they evaluate the risk of insuring you based on your age, driving records, marital status, and such other information that give them a picture of your credibility as a driver.

Market indicators suggest that investors believe the relative risk of insuring the underlying credits in nearly every sector has dropped, or that these underlying credits are willing to take on more risk at a lower yield.

To compensate for the higher risk of insuring men, insurance companies charge a higher premium.

There's also guaranteed life insurance — it's exactly what it says it is — however, the premiums will be much higher to match the risk of insuring someone with an unknown background.

Mortality rates are tools that underwriters use to determine the risk of insuring your life.

While the state of Florida has instigated policies to regulate and cap home insurance rates, and has even created agencies to aid homeowners who can't obtain affordable home insurance, that lack of competition and the inherent risk of insuring a home in Florida mean that you need to utilize every resource at your disposal in order to track down affordable Florida home insurance quotes.

Accordingly, deferred premium revenue represents the portion of premiums written that is applicable to the unexpired risk of insured bonds and notes.

Mortgage lenders don't carry enough of the risk of insured mortgages and, as of today's announcement, this could soon change.

However, since last November, the Department of Finance acknowledged that it was examining the impact of shifting more of the risk of insured mortgages onto the banks and mortgage lenders.

Because the risk of insuring these individuals is lower, term life offers a much higher death benefit payment at a much more affordable monthly premium.

There are courses you can take, such as defensive driving, that are accepted by insurance companies as a way to reduce the risk of insuring you.

Life insurance companies work with actuaries and underwriters to calculate the risk of insuring your life.

They charge more premium dollars to the fact that tobacco use in any shape or form is simply very bad for your health and can easily reduce your life expectancy which in turn raises the risk of insuring your life.

Companies set premiums by using rating classifications that are developed by determining the risk of insuring potential policyholders who fall into...

The life insurance companies ask for this information to determine their risk of insuring you.

During this time, the insurance company will evaluate the risk of insuring you and will determine your life insurance rate.

You will have to pay higher premiums to offset their risk of insuring you, but term life insurance is still quite affordable.

The cost of a policy will depend upon the perceived risk of the insured.

The categories above really reflect those situations where the insurance company learns that the risk of insuring someone is higher than they believed at first.

When you fill out a life insurance application with your independent agent, you will be asked a battery of medical and lifestyle questions that are geared to figure out the risk of insuring you.

And most travel insurance providers are understandably unwilling to take the extra risk of insuring pregnant travelers because of the increased possibility that the mother will need medical attention.

This is due to the change in the underlying risk of the insured group, which has resulted in higher payouts than premiums they are taking in.

HIV / AIDS and hepatitis: Along with other diseases, you're going to be tested for these, which greatly increase the risk of insuring you to the carrier.

Underwriting is the process by which an insurer determines the risk of insuring you.

First and foremost, insurers look at the actual risk of insuring someone based on health and lifestyle.

Most standard travel insurance providers are not willing to take on the risk of insuring pregnant travelers because of the higher possibility that she will need medical attention.

The longer the term, the more expensive the policy may become since it covers a longer time span, so the risk of the insured dying during the term will increase.

The purpose of the exam is to assess the risk of insuring a person and to determine whether there are any health conditions that could negatively affect an applicant's life expectancy.

A financial expert that evaluates the risks of insuring a particular person or asset and uses that information to set premium pricing for insurance policies is known as the underwriter.

During its probe, IRDA found Apollo Munich the violator of Insurance Act, 1938 which says that it is not legal to accept the risk of insured person before the receipt of the premium.

The Underwriter is a professional that evaluates the risks of insuring a particular Insured and uses that information to set premium pricing for the Insurance Policy.

They work with the Medical information Bureau (MIB) to find out all your health history and run background checks to weigh the risk of insuring you.

An insurance score is a calculation used to help rate the risk of insuring a specific individual.

When underwriting an applicant, the risk of insuring the applicant must be evaluated.

If you file claims significant enough that your insurer decides it no longer can take on the risk of insuring your home, they are free to decide not to renew your policy once your annual contract expires.

Life insurance companies evaluate the risks of individuals who apply and the risk of insuring someone in prison is much too high to take on.

As the policy holder, you would first be assessed for «insurability,» which is a term for the overall risk of insuring an individual based on a number of factors such as age, occupation, lifestyle and overall health.

For example, if the insurance company believes that they are at a high risk of insuring you, then they will increase the premium.

Underwriting is the process where the insurance company reviews your health and medical history, avocations, MVR, hobbies and lifestyle issues to determine the risk of insuring you at a given rate.

InstantTerm uses a proprietary underwriting system to weigh the risk of insuring each customer, and puts them in the best rate class for the evaluated risk.

Underwriting is when the life insurance company assesses the risk of insuring you.

While the state of Florida has instigated policies to regulate and cap home insurance rates, and has even created agencies to aid homeowners who can't obtain affordable home insurance, that lack of competition and the inherent risk of insuring a home in Florida mean that you need to utilize every resource at your disposal in order to track down affordable Florida home insurance quotes.

Insurance companies, no doubt, view claims filed when determining their risk of insuring you, as a driver.

Quite a few people in Ohio have been applying for life insurance in the last year do to people now living longer and the life insurance companies lowering rates because of the lower risk of insuring people.