Sentences with phrase «such policies of insurance»

However, on December 29, 2014, the Court of Appeal for Ontario reversed Justice Ellies» decision, finding that such policies of insurance are not «business agreements» and that the time limit applicable to such claims is two years from the date such claims are «discovered.»

Not exact matches

An adviser who earns a flat fee - such an hourly rate or a set percentage of your portfolio value - is much better aligned with you than an adviser who earns commissions for selling you particular mutual funds, insurance policies, or other products.

A lot of the considerations above will guide your thinking when it comes to assessing options in a Business Insurance Policy (BOP) such as Contents and Equipment cover, Business Interruption and Non-Owned Auto.

To «go on claim,» insurance - speak for using the benefit, you must be unable to perform at least two «activities of daily living,» such as bathing, dressing, feeding and toileting, for most policies.

Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.

Important family documents, such as copies of insurance policies, identification, and bank - account records in a waterproof, portable container.

In addition to mortgage insurance, it also issues mortgage - backed securities and pursues a variety of social policy agendas at the behest of Ottawa, such as disseminating information on regional housing markets, improving access to affordable housing and encouraging energy efficiency in new homes.

While damage caused by some types of natural events — such as lightning or wind — will usually be covered by commercial property insurance, you need a special policy if you want protection from flood damage.

An advisor who earns a flat fee — such an hourly rate or a set percentage of your portfolio value — is much better aligned with you than an advisor who earns commissions for selling you particular mutual funds, insurance policies, or other products.

The quotes are based on a basic liability protection policy for the 2011 Toyota Camry across 12 insurers, including both national (such as GEICO and State Farm) and regional (such as Western National Insurance and Farmers Mutual of Nebraska) companies.

Term life insurance policies are quite cheap and can come with a variety of riders offering such assistance as disability income, waiver of premiums, and an accelerated death benefit in the case you become permanently disabled.

You have certain types of income (such as business or farm self - employment income; unreported tips; dividends on insurance policies that exceed the total of all net premiums you paid for the contract; or income received as a partner, a shareholder in an S corporation, or a beneficiary of an estate or trust)

Some 70 % of shares in U.S. - listed companies today are held by mutual funds, pension funds, insurance companies, sovereign funds, and other institutional investors, which manage them on behalf of beneficiaries such as households, pensioners, policy holders, and governments.

The primary difference between permanent and term life insurance is that term policies only provide coverage for a fixed period of time, such as 20 years.

Life expectancy and retirement aside, if you're purchasing a life insurance policy to protect a specific interest — such as a business loan or mortgage — you may also need to think about the potential duration of that need when considering your options.

Under English law, which often applies to such policies involving international trade, because insurance contracts are «of the utmost good faith», the policyholder is required to disclose all «material» facts to the insurance company even if no question is asked by the insurance company.

A term life insurance policy can provide protection for your family in the event of such a scenario.

Term policies are the cheapest form of life insurance coverage and can be tailored to the size of your debts, such as mortgages or auto loans.

Since the growth of your policy's cash value is tax - deferred, variable life insurance might be a good consideration if you've maxed out your retirement account contributions, have a sizable portfolio of more liquid assets (such as in your brokerage and savings accounts), and are looking for an additional investment vehicle that also offers coverage to your dependents should anything happen to you.

The company shows a true interest in the health of all family members through programs such as pet insurance policies and smoking cessation programs.

Medical care expenses are a big category, and you should check out the IRS list of what qualifies, such as fees to doctors, dentists, surgeons, chiropractors, psychiatrists, psychologists and nontraditional medical practitioners, as well as insurance premiums you paid for policies that cover medical care or for a qualified long - term care insurance policy.

Importantly, reconciliation legislation can include provisions with costs, such as tax credits for health insurance or other tax and spending policies replacing Obamacare, as long as the net effect of the bill complies with the reconciliation instructions and does not increase the deficit beyond the budget window.

Short term life insurance policies, such as those with 1 - year or 5 - year terms, often have the option of being renewable, meaning that at the end of the term you can purchase the same coverage again without a new application process.

Among them are the rights to: bullet joint parenting; bullet joint adoption; bullet joint foster care, custody, and visitation (including non-biological parents); bullet status as next - of - kin for hospital visits and medical decisions where one partner is too ill to be competent; bullet joint insurance policies for home, auto and health; bullet dissolution and divorce protections such as community property and child support; bullet immigration and residency for partners from other countries; bullet inheritance automatically in the absence of a will; bullet joint leases with automatic renewal rights in the event one partner dies or leaves the house or apartment; bullet inheritance of jointly - owned real and personal property through the right of survivorship (which avoids the time and expense and taxes in probate); bullet benefits such as annuities, pension plans, Social Security, and Medicare; bullet spousal exemptions to property tax increases upon the death of one partner who is a co-owner of the home; bullet veterans» discounts on medical care, education, and home loans; joint filing of tax returns; bullet joint filing of customs claims when traveling; bullet wrongful death benefits for a surviving partner and children; bullet bereavement or sick leave to care for a partner or child; bullet decision - making power with respect to whether a deceased partner will be cremated or not and where to bury him or her; bullet crime victims» recovery benefits; bullet loss of consortium tort benefits; bullet domestic violence protection orders; bullet judicial protections and evidentiary immunity; bullet and more...

Actually Daniel, when I was a pastor of a local church, our insurance company demanded we have such policies in place or they wouldn't insure us.

In an older day, insurance policies used to express this idea when they spoke about natural catastrophes and other such happenings as «acts of God.»

In many respects, the New Deal was less about income redistribution than about the recognition of «group rights» benefitting these cultural challengers, a recognition embedded in such policies as the fostering of labor unions, public works programs, and social insurance.

Rather than the common policy of discharging such patients to nursing homes when family members insist on continued treatment or the insurance money runs out, Catholic institutions could develop sorely needed long «term rehabilitation facilities that could build on the encouraging work being done with such patients in England and Israel.

Realizing that such an award would be rejected out of hand by a judge, Sparks moderated her demand, and Payton agreed to contribute $ 5,550 a month in child support, establish a $ 175,000 college trust fund and purchase a $ 1 million life insurance policy naming the child as beneficiary.

Tour participants can obtain their own travel insurance (travelling on University business) but such policies should be on a par with the benefits of the University scheme.

Nana Boakye noted that service persons who were posted to big companies mostly did «all the dirty work» and so it would be necessary for such service persons to benefit from the insurance policy of the scheme.

«First, significant reduction of deprivation can be attained by implementing new policies related to health insurance coverage, such as through the Affordable Care Act; improving high school completion rates, especially among Hispanics; and constraining housing costs.

In a related commentary, Paul B. Ginsburg, Ph.D., University of Southern California, Los Angeles, writes: «There is broad consensus among physicians, hospital and health insurance leaders, and policy makers to reform payment to health care providers so as to reduce the role of fee for service, which encourages high volume, and instead to use systems that reward better patient outcomes, such as bundled payments for a population or for an episode of care.»

As they provide farmers with protection against short - term flooding and serve as a type of «insurance policy,» farmers can feel reassured and invest in agricultural inputs such as fertilizer, leading to higher rice yields.

The U.S. Department of Health and Human Services has created a registry for evidence - based treatments that rates the quality of research supporting the treatment on a 0 — 4 scale, and some insurance companies and state health - care systems (such as the one in Oregon) have altered their reimbursement policies to favor evidence - based therapies.

With more than 90 % of Americans getting less than the average requirement of important vitamins, such as vitamin D, from food sources alone, a nutrition «insurance policy» such as this one is a smart move.

Eating a nourishing, traditional diet while pregnant and breastfeeding and ensuring that growing children receive regular and sufficient quantities of optimal growth encouraging foods such as cream, butter, ghee, egg yolks, fish eggs, grassfed and organ meats for development of a sturdy intestinal system is the best insurance policy against ever needing any sort of special diet to combat allergy or other autoimmune issues.

«[E] ach policy of aircraft accident liability insurance... shall specify that it shall remain in force, and may not be replaced, canceled, withdrawn, or in any way modified to reduce the minimum standards set forth in this part, or to change the extent of coverage by the insurer or the carrier, nor expire by its own terms in regard to coverage for the carrier in its common carrier operations in air transportation, until 10 days after written notice by the insurer (in the event of replacement, by the retiring insurer), or by the insurer's representative, or by the carrier to the Department... which 10 - day notice period shall start to run from the date such notice is actually received at the Department.»

If your car is stolen, this protection can help offset the cost of theft - related expenses such as your insurance policy deductible and rental car reimbursement.

Taxpayers can not deduct the cost of supplemental insurance policies, such as those provided by AFLAC, on their tax returns.

At certain points during the period of coverage, you can convert your term policy to a permanent life insurance policy (such as a whole life insurance policy or universal life insurance policy) and premiums are determined by your original health rating.

Should you be renting out your existing condo, other types of condo insurance policies such as landlord insurance and tenant insurance will be covering corresponding parties.

Therefore, if you are on the younger end of the age spectrum, you might want to consider purchasing something that will be in place for longer, such as a 30 year term policy or permanent life insurance policy.

Typically, any person or entity can be named a beneficiary of a trust, will or life insurance policy, and the one distributing the funds, or the benefactor, can put various stipulations on the disbursement of funds, such as the beneficiary attaining a certain age or being married.

Many policies also offer you the option of converting your term policy into a permanent life insurance policy such as a universal life policy.

Instead of taking back the refund, you can choose other non-forfeiture options, such as using the cash to continue to pay premiums, acquire reduce paid - up insurance (using the cash to buy a reduced amount of permanent coverage) or acquire extended term insurance (keeps the coverage the same, but reducing the length of the policy)

The extensive insurance advice provides a variety of information on topics including auto insurance, home / renters insurance, health insurance, and life insurance - offering easily accessible articles revealing tips on topics such as buying insurance, insurance policy questions, amounts and types of insurance coverage, addressing complaints, and claims.

You also should know that, because credit scoring for California renters insurance isn't an issue, rating factors such as length of residency and exact location play a stronger factor in how the policies are priced.

While we can't in good faith use the word «free» in reference to insurance, what we can say is that you can get such a significant discount on both your renters insurance and your auto insurance that you end up saving more than the yearly cost of the renters insurance policy!

If the property is excluded under the policy or has a sublimit, such as a ten foot high stack of cash, you might have difficulty with coverage but any property you could expect to be covered under the policy would fall under this water backup renters insurance coverage, subject to the remainder of the endorsement.