Sentences with phrase «standard insurance because»

Not exact matches

Many self - employed Americans have lost access to inexpensive insurance policies because their old plans did not meet the new standards for health insurance.

CVS said it achieved this in part by excluding Valeant diabetes drug Glumetza from its standard formulary, or the list of drugs typically covered by insurance, because a generic version of the medication was available.

Americans for Annuity Protection has engaged in active outreach to leaders of influence to establish the argument that the DOL's fiduciary rule should be returned because of the analysis performed by the department is flawed, inconclusive and arbitrary; it is not compatible with the Uniform Security Law or established insurance law, and the law has potential conflict with the Dodd - Frank requirements to the Securities and Exchange Commission (SEC) on reviewing a uniform fiduciary standard.

The final DOL regulation «unfairly targets certain types of fixed annuity products, making it harder for Americans to purchase fixed indexed annuities when it is in their best interest to do so,» he said, adding that «this legal challenge is necessary because the rule creates an unworkable standard for independent agents and insurance companies and goes far beyond DOL's authority.»

50 to 75 percent of the 14 million consumers who buy their insurance individually can expect to receive a «cancellation» letter or the equivalent over the next year because their existing policies don't meet the standards mandated by the new health care law

And because of the wonderful experiences we've provided our clients with in the past 32 years, we don't plan on lowering our standards until we become the leader in the short - term insurance industry.

Rated policy: An insurance policy issued at a higher premium rate than standard because of undesirable lifestyles or health conditions.

It tends to get excluded in standard home insurance policies, because it's difficult for insurers to predict its occurrence, and expensive to insure.

This can save you time and money because we already know which life insurance companies have easier underwriting standards for seniors.

So, the deduction on this loan reduces your cost of capital to an effective APR of 4.5 %, and because it's a student loan and not a mortgage, you don't have to itemize so this is in effect a «free» deduction (even with an FHA mortgage allowing me to deduct interest, property taxes and PMI, and the residual medical costs after insurance of having our new baby, the $ 11,900 standard deduction for my wife and I was still the better deal this year).

Every time I see one it bothers me, for many reasons but mostly because we need to be better informed of life insurance options, the benefits and how it can help your family pay for burial expenses and continue their standard of living after you pass away.

It just so happens that a renters insurance policy comes with protection for your personal property as part of the policy, because that's the way the standard HO - 4 policy form reads.

Because the death benefits decrease over time, these policies tend to be more affordable than a standard term life insurance policy.

Just because a standard homeowners insurance policy satisfied your lender, it doesn't mean you're adequately covered.

The standard insurance coverage most individuals get because they currently do not own the car title free and clear is comprehensive and collision.

Technically it's an endorsement, but it's generally standard on all policies with Effective Coverage because we just don't believe people should have to ask for insurance that covers the cost of buying new items when yours suffer a loss.

Because of this failure to come up with the standard down payment, more and more people began paying private mortgage insurance premiums during the real estate boom of the mid 2000s.

In at least one state, you're well advised to get renters insurance because standard lease agreements force you to waive your statutory protections against being held responsible for damages to the apartment.

It is important to note that just because one life insurance company gives you standard rates, does not mean that all companies will do the same.

You knew there had to be a catch, and here it is: Because an FHA loan does not have the strict standards of a conventional loan, it requires two kinds of mortgage insurance premiums: one is paid in full upfront — or, it can be financed into the mortgage — and the other is a monthly payment.

After all, that's standard practice for common loans like car loans («gap» insurance exists because car loans are so frequently underwater) and student loans (by their very nature are 100 % unsecured).

Because of this, Fannie's guidelines are the standard for the mortgage industry, and those guidelines require eligible properties to have flood insurance, among other requirements.

Because standard homeowners insurance does not typically cover earthquakes, it's important for property owners in seismically active areas to obtain riders to provide some level of earthquake protection for their property.

The policy would matter, because a third party liability insurance requirement is usually a minimum standard for an insurance policy but doesn't prohibit broader coverage.

The waiver stated that the doctor does not carry malpractice insurance and that by signing the waiver, the plaintiff agreed not to file a lawsuit against the doctor because the plaintiff understands that the defendant «will do the very best to take care of me according to community medical standards.»

This is because vehicle owners who are required to purchase the standard auto insurance policy are paying for exactly this — «no - fault» protection (and don't even know it!).

These two appeals were heard together because they give rise to the same main issues: the standard of review applicable to insurance arbitral decisions resolving priority disputes arising from the statutory accident benefits regime under the Insurance Act, R.S.O. 1990, c. I. 8, and statutory and contractual interpretation issues affecting the priority insurance arbitral decisions resolving priority disputes arising from the statutory accident benefits regime under the Insurance Act, R.S.O. 1990, c. I. 8, and statutory and contractual interpretation issues affecting the priority Insurance Act, R.S.O. 1990, c. I. 8, and statutory and contractual interpretation issues affecting the priority question.

Because each life insurance company uses different standards for their policy, one company may decline you while others will look at your health more favorably.

And because the Insurance Information Institute recommends getting ratings from more than one agency, we decided the best needed to earn at least an A + («low risk») from Standard & Poor or an Aa («very low risk») from Moody's.

the reason is life insurance rates are actually fixed by the law so you get the same rate anywhere you go, remember each company will look at your underwriting differently so although one company might give you a standard rating because of your build another one would give you a preferred rating because they all have different guidelines.

They have some of the best priced no exam term and universal life insurance polices because they have different health classifications: Preferred, Standard and Rated (most no exam companies have 1 health class and you either qualify or you don't).

For example, if you have been denied standard life insurance in the past because of conditions that are not currently present, then you may have more leeway in your approach.

Lower Rates for Term Life: Generally speaking, you will be paying lower premiums for standard term life insurance because there is no interest build - up or return of your premiums at the end of the term.

It is known for its financial strength and reliability — and because of that, the company has earned top ratings from the insurer rating agencies (including an A + from A.M. Best and a AA - from Standard & Poor's and from Fitch), as well as numerous accolades, such as the 2015 «Life Insurance Provider of the Year» via the Personal Touch Awards.

Think of standard insurance as something that you want to have as a driver because without it, you risk the possibility of not having enough coverage.

Because certain risks increase with an unoccupied property, vacant house insurance is typically more expensive than a standard homeowner policy.

The premiums on their insurance payments are greater because the value of a hybrid vehicle compared to a standard car is considerably higher.

Because each life insurance company has its own underwriting criteria, it is very possible for one company to approve you at preferred non smoker rates when there are other companies that may offer only standard rates.

The cost of this policy at a Standard rate is $ 35 per month, so because she is rated Table D the life insurance company adds 100 % to her monthly premium meaning she will have to pay $ 70 per month.

Consumer advocates are raising concerns about short - term care insurance because state regulators don't hold the product to the same standards as long - term care insurance.

Most people that have auto insurance end up getting standard car insurance because it provides good coverage at a reasonable rate.

When you are renovating the house you would like to use unique sets which are usually not covered by the insurance company, because they cover usually standard buildings and standard contents.

Because standard homeowners insurance does not typically cover earthquakes, it's important for property owners in seismically active areas to obtain riders to provide some level of earthquake protection for their property.

And travelers who buy travel insurance should know that «canceling a trip because you're afraid of contracting Zika is not something that a standard travel insurance policy would cover,» said Daniel Durazo, the spokesman for Allianz Global Assistance USA.

For this reason though the policy holder may need to pay a higher premium for inflation protection in their insurance contract, they may consider it wise to do so because in the event of a claim they will want to ensure their standard of care is not compromised in the long - term.

Because applicants may be able to avoid a medical exam, mortgage protection insurance can be more expensive than standard term life insurance.

That's because life insurance can help your family maintain their standard of living and quality of life or allow a business to carry on in the unfortunate event of a death.

Because there's no vehicle insured under a non-owner policy, it typically doesn't include the standard coverages in most car insurance policies, like:

It can be tricky because everyone's needs are different; there isn't a standard measure to determine how much life insurance you need.

My ulip policy plan is from hdfc standard life insurance and the policy is the best because the policy has many benefits like the accident insurance is inbuilt in this policy.