Sentences with phrase «risk to the insurance company if»

This represents your possible risk to an insurance company if they are underwriting your insurance.

Because of this medical exam, the insurance company will be able to determine whether or not you have various health issues — some that can make you a higher risk to the insurance company if they accept your application for insurance protection.

Not exact matches

However, having the government sell annuities could make sense if you believe Canadians need to ensure against longevity risk (point 7) but the fees that insurance companies charge for these products are too high (point 6).

Insurance companies are well aware of the phenomenon in which people who take out insurance against, say, burglary, are known (on average if not in every case) to modify their behaviour so that the risk of being burgled iInsurance companies are well aware of the phenomenon in which people who take out insurance against, say, burglary, are known (on average if not in every case) to modify their behaviour so that the risk of being burgled iinsurance against, say, burglary, are known (on average if not in every case) to modify their behaviour so that the risk of being burgled increases.

And if breast is best, and if insurance companies have to pay out less money for women and babies who successfully maintain a healthy breastfeeding relationship (this on the assumption that, in fact, breastfed babies and mothers are healthier and less at risk for a variety of chronic ailments or cancers)- wouldn't it be in their best interest to shell out a couple hundred bucks for help their working, nursing mothers maintain a breastfeeding relationship?

«If circumstances change due to global warming that alter the level of risk, insurance companies need to be free to reflect that risk,» says David Snyder, vice president and assistant general counsel for the American Insurance Associatiinsurance companies need to be free to reflect that risk,» says David Snyder, vice president and assistant general counsel for the American Insurance AssociatiInsurance Association (AIA).

Customers also can enroll in the Insurance Discounts Eligibility portion of the Buick Smart Driver service, which is a risk - free way to see if positive driving behavior qualifies them for discounts without revealing any personal details to insurance cInsurance Discounts Eligibility portion of the Buick Smart Driver service, which is a risk - free way to see if positive driving behavior qualifies them for discounts without revealing any personal details to insurance cinsurance companies.

If you're very healthy, and there's little risk that the life insurance company will have to pay the death benefit, you'll get more affordable rates.

The claim did not cost the insurance company a significant amount, and your home is not necessarily predisposed to risk of future hail storms, as it may be to floods if you lived in a flood zone.

If the annuitant chooses to receive payments over his remaining life, the insurance company accepts that risk.

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.

Like other sports and hobbies martial arts training can carry risks even if you don't compete (a broken nose, a torn ACL, etc.) I can't find anything through normal online searches, so my supposition is that this kind of coverage is too high risk for most insurance companies to offer.

David, I am curious if you have thoughts about insurance companies (especially P&C) hedging political risk... the answer to this question obviously will carry over to healthcare quickly.

Even high - risk drivers might find another insurance company to be a better choice if they value great customer service and a painless claims process over low rates.

So, if you plan to approach any insurance company in a bid to get car insurance quotes, below are some of the risk factors that will determine the quotes you will return with.

If you own a car that's stolen frequently, your insurance company will find that to be a higher risk and your insurance rates will go up accordingly.»

«The bottom line, if you own a dog, especially a big or high - risk breed, consult with your insurance agent or company to make sure you're covered under your homeowners or renters insurance policy,» he adds.

If you have a company writing Texas Renters Insurance, there are unique types of risk and even unique policy forms to be found there.

You pay your premium, and the insurance company agrees to pay if a certain defined set of things happens.The insuring agreement in your renters insurance policy even says that the risk assumption is in return for you paying the premium.

If you have a record that includes tickets, accidents or points on your license, these factors indicate to the insurance company that there is a higher risk of paying a claim.

On the other hand, if you're a 58 - year - old male who is overweight, smokes and has Type II diabetes, you are going to need an experienced agent to find the right insurance company willing to take a risk on you.

Risk - based capital standards need to be tightened to at least the level of insurance companies, if not tighter.

If you materially misrepresent the type of fire alarm you have, you could have a claim denied for something entirely unrelated like theft, because your lie induced the insurance company to write the policy in the first place, as well as impacted rating of the risk!

If you have been diagnosed with a life - threatening illness to include a form of cancer, heart disease, or any other high - risk condition, Banner Life is the only insurance company that offers MediGuide with all their insurance policies.

Simply having diabetes doesn't have to be an enormous risk for life insurance companies, but it may be one if there are other medical problems in addition to it.

You can ask your insurance company if a credit - based insurance score was used to underwrite and rate your policy and which risk category you were placed in after you receive a quote.

When I was a risk manager and bond manager for a life insurance company (at the same time, dangerous, but great if done right) I had to have models that drove yields on corporates from Treasury yields.

It's simple economics: if people were able to get tested for certain high - risk genes, but their insurance companies were not allowed access to the results, then those people who tested positive would be more likely to buy life insurance.

If you're very healthy, and there's a low risk of the life insurance company having to pay the death benefit, you'll get incredibly affordable rates.

A car insurance company can cancel your insurance when your credit downturns because of the bankruptcy, then place you in a high risk pool if you want to keep your car insured, a provision of most state laws.

After all, if you are in poor or declining health, the insurance company may decide that you represent too great a risk and choose not to renew your policy.

The hard cold fact is that an insurance company can deny you coverage if they feel like you are a credit risk, and a bankruptcy greatly lowers your score and remains on your credit report for up to ten years.

If you have a term life insurance policy, that money doesn't go into an investment account, but to the insurance company in exchange for protection against that risk, or what's called insurance coverage.

If you have what is determined to be a high risk condition, the price of high risk life insurance coverage will be different based on your medical background and how risky the life insurance company views you.

The best way to understand your options if you live in the U.S. is to reach out to an insurance company that specializes in dog liability insurance to make sure you are protected properly from risks of losing your homeowner's insurance or, even worse, your dog.

If reinsurers were playing the game that you claim the insurance companies are playing, namely, inflating the perceived risks in order to increase their profits, then any insurance company that saw through this game would stand to benefit by not paying the inflated prices.

It goes without saying that insurance companies need to keep abreast of developments in risk if they are to provide a service for their clients.

If you do choose to file a claim by yourself, you run the risk of insurance companies utilizing their extensive resources to shift fault away from their drivers, which can result in you receiving less compensation than you need or deserve.

«If you're an insurance company or big bank, there is a framework there — you must have a chief risk officer and you have to have a risk structure in place; but for all the operational companies like VIA, it's up to the board of directors or upper management to decide to go ahead with risk management structure.»

If there are no practices in place, the insurance can facilitate businesses to devise a plan to prevent cyber threat and the risk of legal issues, financial losses and company failures — before accepting the residual risk.

Because of the higher level of risk associated with commercial vehicles, the law generally requires a greater amount of insurance coverage to ensure a trucking company can be held financially responsible if it's at fault for an accident.

If you are convicted of driving without valid auto insurance, your next insurance company may consider you a «high - risk» driver and charge you higher premiums or refuse to sell you insurance altogether.

If you have a pre-existing medical condition you can use our contact form to provide the details and we can help you find the best life insurance company for high risk life insurance so that you have the best chance of getting approved at the best life insurance rates.

Hobbies — The insurance companies will also want to understand if you have any other hobbies that would place you at more risk of death or injury.

If you purchased an auto insurance policy without first taking the time to obtain and compare quotes from a few competing insurance companies, you risk overpaying for your policy.

If you hear the word «underwritten,» it refers to how a life insurance company will decide how much of a risk you are.

If you have several speeding tickets or driving accidents on your records, then the insurance company is going to view you as a greater risk.

No, not usually, especially if the condition is controlled but always keep in mind that it pays to work with an independent life insurance agent that represents many companies and has sufficient experience with high risk medical conditions and especially all the versions of Diabetes.

The insurance company will also look at your occupations and hobbies to determine if you are a high - risk applicant.

The underwriter's job is to determine if you are a higher potential risk of claims to the insurance company.