Sentences with phrase «sold by most insurance companies»

The National Flood Insurance Program (NFIP) is a type of insurance that is sold by most insurance companies, but is overseen by the Federal Emergency Management Agency (FEMA).

Not exact matches

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.

I think most countries have some kind of official or well know appraisal organizations which give official book values for vehicles which are used by the general public as a guideline for buying and selling, and by insurance companies for calculating payouts when cars are wrecked.

To make it simple, we managed money for an incompetent insurance management team who could only sell product by paying more than most companies did.

Child life insurance is sold by most major insurance companies and there are a few, like the aforementioned Gerber Life Insurance, that specialize in theinsurance is sold by most major insurance companies and there are a few, like the aforementioned Gerber Life Insurance, that specialize in theinsurance companies and there are a few, like the aforementioned Gerber Life Insurance, that specialize in theInsurance, that specialize in the product.

Most Texans purchase flood insurance policies sponsored by the National Flood Insurance Program (NFIP), though the policies are actually sold by private insurance cinsurance policies sponsored by the National Flood Insurance Program (NFIP), though the policies are actually sold by private insurance cInsurance Program (NFIP), though the policies are actually sold by private insurance cinsurance companies.

• Losing money and / or not making money in up markets, due to poor performance of the poorly - selected investment choices (called their «line - up» of variable subaccounts, which are just the choices of regular mutual funds wrapped up in a tax wrapper selected as the most profitable to sell by the good «ol boys at the life insurance company).

Although the FTC has jurisdiction over ads for most products and services, Congress has given other government agencies the authority to investigate advertising by airlines, banks, insurance companies, common carriers, and companies that sell securities and commodities.

Medigap insurance companies like Liberty Bankers Life Insurance Company can only sell you a «standardized» Medigap policy identified by letters A through N (in mostinsurance companies like Liberty Bankers Life Insurance Company can only sell you a «standardized» Medigap policy identified by letters A through N (in mostInsurance Company can only sell you a «standardized» Medigap policy identified by letters A through N (in most states.)

Fifty years ago, most life insurance policies sold were guaranteed and offered by mutual fund companies.

The best and fastest way to secure the most affordable final expense plan is done by working with a highly experienced independent agency, like Choice Mutual, that is licensed to sell for multiple insurance companies.

Most, not all property and casualty agencies only sell life insurance that is offered by the home and auto companies that they represent.

Working with an insurance company, in most cases, offers more advantages than the policies sold by banks and real estate companies.

Child life insurance is sold by most major insurance companies and there are a few, like the aforementioned Gerber Life Insurance, that specialize in theinsurance is sold by most major insurance companies and there are a few, like the aforementioned Gerber Life Insurance, that specialize in theinsurance companies and there are a few, like the aforementioned Gerber Life Insurance, that specialize in theInsurance, that specialize in the product.

Most life insurance is not sold directly by life insurance companies — instead, agents and brokers act as intermediaries between insurers and customers.

One of the most common types of supplemental insurance is Medigap, which can be sold by private insurance companies to people enrolled in Original Medicare (Medigap plans can not be paired with Medicare Advantage plans).

«It's been in most policies for many years,» says Jim Grace, president of nsuremytrip.com /» > Insuremytrip.com, an Internet broker of travel policies sold by 23 U.S. and Canadian insurance companies.

Most companies that sell these policies will give home insurance quotes by phone, on the web and in person at multiple office locations.

Renters insurance is most commonly sold by companies that also offer auto and homeowners insurance and, as always, it pays to shop around for the best deal.

It's the most inexpensive type of life insurance and is sold by many of the top life insurance companies.

Most of the time an accelerated death benefit rider is automatically provided by your life insurance policy, but some insurance companies sell them as an add - on.

Most Texans purchase flood insurance policies sponsored by the National Flood Insurance Program (NFIP), though the policies are actually sold by private insurance cinsurance policies sponsored by the National Flood Insurance Program (NFIP), though the policies are actually sold by private insurance cInsurance Program (NFIP), though the policies are actually sold by private insurance cinsurance companies.