Sentences with phrase «stated value insurance»

Stated value insurance is for reducing your cost not increasing your coverage.

However, the insurance carrier might not meet your stated value completely, and your classic car can still devaluate under stated value insurance coverage.

Not exact matches

His legal background proved invaluable in 1991, when the state of California and its insurance commissioner John Garamendi seized Raleigh's then - financial partner Executive Life Insurance Company after the value of the insurer's multibillion - dollar portfolio collapsed — a fate tied to its massive investments in the junk bond market of the go - insurance commissioner John Garamendi seized Raleigh's then - financial partner Executive Life Insurance Company after the value of the insurer's multibillion - dollar portfolio collapsed — a fate tied to its massive investments in the junk bond market of the go - Insurance Company after the value of the insurer's multibillion - dollar portfolio collapsed — a fate tied to its massive investments in the junk bond market of the go - go 1980s.

Confirmation of this state of affairs was recently provided by a research study, Value for Money from Health Insurance Systems in Canada and the OECD (2012 edition), from Vancouver - based think tank the Fraser Institute.

the stated value of an investment at maturity; includes bonds, life insurance policies, bank notes, currency, some stocks, and other securities; typically $ 1,000 for a corporate bond

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.

As FHFA states in its progress report, private mortgage insurance remains the primary form of credit enhancement used on mortgages sold to the GSEs with loan - to - value ratios over 80 percent, and in the first quarter of 2017 MI covered $ 48 billion of mortgages the agencies purchased.

Stated differently, private mortgage insurance is typically required when the loan - to - value (LTV) ratio exceeds 80 %.

National Life Group, an insurance company based in Vermont, says Armory Square in Syracuse is one of the best examples of «main street values» in the United States.

To make it less confusing, we create these state and city local renters insurance guides, as part of our core values and our mission to educate renters across the country on how to best protect themselves.

Wilmington renters insurance can be very different from policies in other states, or even other parts of North Carolina, which is why education is part of our core values.

At Effective Coverage, we believe in education as one of our core values which is why we create these city and state renters insurance guides.

Form 712 states the value of your life insurance policies based upon when you died.

Since home values are higher than average in The Golden State, you might assume that California homeowners insurance quotes are much higher than in other states.

Similarly, most states offer some asset protection for the cash value of life insurance policies as well as annuities.

Lower home values: The median home values in these states will be typically less than other states, which means lower dwelling coverage amounts and equates to lower home insurance rates.

Mississippi Insurance in Mississippi is a great example of intra state inequity, as it has among the best value for auto policies and among the worst for homeowners premiums.

the stated value of an investment at maturity; includes bonds, life insurance policies, bank notes, currency, some stocks, and other securities; typically $ 1,000 for a corporate bond

If a policy of insurance has been or shall be effected by any person on his own life or upon the life of another person, the policyowner shall be entitled to any accelerated payments of the death benefit or accelerated payment of a special surrender value permitted under such policy as against the creditors, personal representatives, trustees in bankruptcy and receivers in state and federal courts of the policyowner.

We know that Texas Renters Insurance can be confusing, and we believe in education as part of our core values, so we create these guides for cities and states across the country to help make Brownsville renters insurance less cInsurance can be confusing, and we believe in education as part of our core values, so we create these guides for cities and states across the country to help make Brownsville renters insurance less cinsurance less confusing.

All favorable rates aside, there are a number of considerations particular to the Golden State that every California resident needs to be aware of before they start shopping around if they want to get the best value for their money when they solicit California insurance quotes.

HUD Mortgagee Letter 2000 - 46, released on December 20, 2000, states the following: «FHA's annual mortgage insurance premium will automatically be canceled - once the unpaid principal balance, excluding the upfront MIP, reaches 78 percent of the lower of the initial sales price or appraised value...»

Current home values vary widely within the state and within the city's metropolitan area, so it is necessary to review personalized quotes to get an idea of your own insurance cost.

If you had the same amount in cash value in IUL life insurance, which you could take the money any time, and there may be a fee, when you will leave this world, the law in California states the death benefits must be more than the cash value.

That means your cash value life insurance, or permanent life insurance policy, is not an «exempt» or «qualified» asset under the Medicaid rules either under the federal or various state rules.

This means that the cash value accrued in your life insurance policy must be spent if you're seeking to qualify for a state Medicaid program unless another option is pursued.

This means that like other «non-exempt» assets, the cash value accrued in your life insurance policy will have to be spent down in order to qualify for your state's Medicaid program.

However, the market value of a home is different than the replacement value which is often used for both tax assessment and replacement cost by states and insurance companies.

Your guest stated «It's a free market, but insureds are not capable of estimating the fair value of a complex insurance claim, and many get cheated.»

Some states define the monetary value of a pet for litigation or insurance purposes.

I know of no insurance company that will meet a claim on a damaged piece of artwork on «stated value».

The site goes on to state, In order to understand how the formula works and in order to determine the exact value of your claim, order the book «Auto Accident Personal Injury Insurance Claim.»

Ilana Tabacinic — Litigation Practice Group, Miami Ilana Tabacinic focuses her practice on high - value business litigation and arbitration across the United States and internationally, including real estate disputes, fraud, business torts, and insurance disputes.

Massachusetts is a no - fault state so that you can collect PIP or Personal Injury Protection benefits for the reasonable value of your medical expenses up to two years from the date of the accident as well as a percentage of your lost wages, up to $ 8,000 total, depending on whether you have private health insurance.

If you still aren't convinced that Palmer Law Group LLP is the firm to choose for your personal injury insurance matters, our very own Attorney Dustin L. Van Dyk is recognized by the NLTA Top 40 Under 40, so you know that our firm employs Kansas» finest insurance bad faith lawyers that are adept in both state and federal legislation and understands the value of insurance in our industry.

As part of its value - added services to lawyers» professional liability customers, AmerInst Professional Services, Ltd. and A. M. Best «A» rated insurance carrier, United States Fire Insurance Company (part of Crum & Forster insurance group), have launched a new hotline that allows policyholders to seek advice prior to submittinginsurance carrier, United States Fire Insurance Company (part of Crum & Forster insurance group), have launched a new hotline that allows policyholders to seek advice prior to submittingInsurance Company (part of Crum & Forster insurance group), have launched a new hotline that allows policyholders to seek advice prior to submittinginsurance group), have launched a new hotline that allows policyholders to seek advice prior to submitting a claim.

There are threshold assets values that would need to be met before this is a concern, but once you factor in home values and life insurance policies, it is very likely that a person of even modest means could have a taxable estate on the state level.

In most states, (not all), index universal life insurance cash value is protected from lawsuits.

In those states where the life insurance cash value is protected, the law protects the cash value from bankruptcy, lawsuit, or any other sort of judgement.

All policy types have a stated death benefit that is paid upon the death of the insured person and permanent life insurance also has a cash value which can be used during the person's lifetime.

Mississippi Insurance in Mississippi is a great example of intra state inequity, as it has among the best value for auto policies and among the worst for homeowners premiums.

In most cases, term life insurance is not subject to Federal income tax, state income tax, or estate / inheritance taxes, and because it lacks the whole cash value of a permanent policy is also generally not subject to capital gains tax.

First, State Farm funeral insurance offers no unique value.

Unfortunately, about 61 percent of life insurance policies sold in the United States in 2010 are whole (or cash value) life insurance policies as opposed to term life insurance policies, according to the 2011 American Council of Life Insurer's Fact Book.

«Americans pay $ 120 annually on cell phone insurance to protect an item that costs around $ 570 dollars at retail value,» the report states.

Secondary Guarantee Contractual guarantees offered by life insurance companies that state policies are guaranteed to pay a death benefit even if the cash value falls to $ 0.

Insurers argue when a policyholder does not intend to rebuild or replace the damaged property, the insurance policy states the policyholder is entitled to the actual cash value of the damaged property.

The premium taxes associated with state health insurance would constitute 2 - 3 % of the dollar value of the premium.

In the United States, subject to Homeowners Protection Act of 1998, [4] a borrower who provides less than 20 % down payment up front may be required to pay for private mortgage insurance until the outstanding mortgage is less than 80 % of the value of the property.

According to Value Penguin home insurance rates range on average $ 952 a year, with some of the more expensive states stretching up to $ 2,000.