Sentences with phrase «than the individual insurance»

Employer - sponsored medical benefits are often better than individual insurance policies and have fewer health qualification questions, says group benefits specialist David Patriarche of Mainstay Insurance Brokerage Inc. in Toronto.

Group insurance is less expensive to purchase than individual insurance, and the death benefit is paid directly to the employee's beneficiaries.

With unique advantages such as lower premium, maternity cover, no waiting period and no medical check - up required, these plans are offered to the insured and all their dependents at premiums cheaper than individual insurance.

Blanket insurance is undoubtedly more expensive than an individual insurance policy.

Their primary focus is their group term life, because its cheaper than individual insurance, due to the fact, that it minimizes the required administrative work associated with the insurance process.

Many a time, group insurance rates are quite lower than the individual insurance quotes and this makes it possible for people to choose a good deal from the lot.

The rule opens the door to potentially allowing associations, including NAR, to offer health insurance coverage to its members through the large group insurance market, which usually offers more coverage options at lower costs than the individual insurance market.

Not exact matches

The firm did report better than expected profits in the third quarter, and could potentially return to a bigger presence in the individual insurance market once uncertainty around Obamacare stabilizes.

The rankings are based on more than 100 variables relating to corporate taxes, individual income taxes, sales taxes, unemployment insurance taxes and property taxes.

U.S. mortgage insurance is thus based on the actual risk characteristics of the individual borrower rather than pooled across all citizens, as is the case in Canada.

While many Americans get life insurance policies through their job, the coverage is usually lower than individual policies and is only in place while they're employed.

LeapFrog's first fund of $ 135 million made equity investments of between $ 5 million and $ 15 million in eight companies in Africa and Asia offering insurance and other financial products to individuals living on less than $ 10 per day.

People who enrolled in individual health insurance plans after 2014 were less healthy and used more healthcare in 2014 and 2015 than those who were already enrolled in individual plans and those who receive insurance through their employers, according to a Blue Cross Blue Shield Association report.

Republicans want to roll back Obamacare, which established key benefits that almost all individual insurance plans must offer and set up an online market where more than 10 million people buy their insurance.

More than 1.07 million consumers selected 2018 Obamacare individual insurance plans in the week ended Dec. 9, a 30 percent increase from the previous week.

A small - business owner since 1999, Benge has worked as a licensed insurance agent and has more than 20 years experience in income tax preparation for businesses and individuals.

Designed to provide a survivorship life insurance solution for clients seeking strong protection and accumulation guarantees, this new second - to - die whole life product can cover two lives more cost effectively than two comparable individual policies.

Blum has more than 20 years» experience in investments and research, including working with individual clients as a trust portfolio manager and as a bank examiner with the Federal Deposit Insurance Corporation.

You may get life insurance policies through your employer, but the coverage is usually lower than individual policies and is only in place while you're employed.

Big, national employers are currently subject to only one set of health insurance regulations (federal), while small firms» plans are regulated at both the federal and state level (this is one of many reasons why individual and small group plans are so much more expensive than corporate plans).

($ 753 billion for all three programs) Safety net programs ($ 482 billion) provide aid (other than health insurance or Social Security benefits) to individuals and families facing hardship.

New Yorkers - both individuals and businesses - that purchase health insurance currently pay more than $ 3.1 billion in health taxes through the Covered Lives Assessment; the (HCRA) hospital services surcharge; the Insurance Department Section 332 industry - wide assessments that fund Department operations and are also suballocated to other agencies and programs; and the 1.75 percent preinsurance currently pay more than $ 3.1 billion in health taxes through the Covered Lives Assessment; the (HCRA) hospital services surcharge; the Insurance Department Section 332 industry - wide assessments that fund Department operations and are also suballocated to other agencies and programs; and the 1.75 percent preInsurance Department Section 332 industry - wide assessments that fund Department operations and are also suballocated to other agencies and programs; and the 1.75 percent premium tax.

Health - insurance rates for individuals in New York will increase next year on average by about 15 percent, as well as 9 percent for small group plans, which is lower than the 17 percent and 11.5 percent sought by the industry.

Johnson said the Health + Hospitals (HHC) system provides vital medical services for more than 500,000 undocumented individuals that don't have access to health insurance.

Compared to individuals without any condition, adults with one condition (any mental illness [AMI], substance abuse / dependence or chronic conditions) reported higher percentages of living in poverty, receiving government assistance, having less than a high - school education, being unemployed, and having no health insurance.

For patients younger than 65 years who were on Medicare or Medicaid, and individuals who self - paid for insurance, the risk of ODO was 2.1 to 3.0 times higher than patients with private insurance.

• Couples» health insurance may work out to be less expensive per head than individual policies.

Whilst this may seem obvious to the majority, I was recently asked to support a group organiser that had decided in their wisdom to take a group policy for health and travel insurance rather than insist on individual policies.

After all, the existing tort - liability system is flexible enough to cover autonomous cars, and accident victims are extremely likely to go after automakers with deep pockets for product liability suits rather than individuals with auto insurance policies with lower limits.

to take any action otherwise prohibited under subsections (a), (b), (c), or (e) of this section where age is a bona fide occupational qualification reasonably necessary to the normal operation of the particular business, or where differentiation is based on reasonable factors other than age; to observe the terms of a bona fide seniority system or any bona fide employee benefit plan such as a retirement, pension, or insurance plan, which is not a subterfuge to evade the purposes of this Act, except that no such employee benefit plan shall excuse the failure to hire any individual; or to discharge or otherwise discipline an individual for good cause

If a policy was in force at the time, Austin renters insurance would cover the personal property losses for each of those residents.Although the cause of the fire is unknown at this time, if a tenant of the building is found responsible than significant liability will be attached to that individual.

An individual's value to his creditors at time of filing a consumer proposal comprises his assets valued at liquidation (auction) pricing (that may be a garage sale for your furniture and household goods, the wholesale cash buyer for your car, or the pawnbroker for your jewellery) after deducting exemption in prescribed, legislated amount (s) for car, household goods, clothing, tools of the trade, medical aids, home, life insurance, pensions, RRSP, etc., which amounts to little or nothing for the large majority of us, less than our debt in any case.

I realized early that individual life insurance policies offer better security than employer - provided group plans.

Consider group insurance coverage options as well as professional associations and alumni benefits as they may offer lower premiums than an individual policy, albeit at some risk if you change jobs or if the rules or definitions of an alumni or professional association's coverage change.

Survivorship life insurance policies cover more than a single individual.

Lenders purchase individual mortgage insurance policies for homeowners with loans for more than 80 % of the value of their homes.

This option not only allows two individuals to be insured on the same whole life insurance policy, but it also typically has a lower amount of overall premium cost than will purchasing two separate life insurance policies of corresponding value.

If more than one person becomes insured for Critical Illness and Life Insurance on the same line of credit, a 15 % discount will be applied to each of the individual premiums.

You might have to pay for the Disability Insurance, but the cost is a lot lower than and individual Disability plan.

Most people don't realize that these policies sold by a bank are not from licensed insurance agents and brokers, and have completely different characteristics than individual life insurance policies.

Costs vary based on coverage and the individual being insured, as well as the number of roommates if applicable, but renters insurance is always affordable and always less expensive than an uninsured loss.

Annual renters insurance premiums are considerably more affordable than the cost of replacing individual items.

Insurance companies also often charge more for individuals with less than stellar credit.

Generally, younger individuals who wish to preserve their insurance benefits and cash value will be better off taking out policy loans rather than withdrawing cash from a whole life policy, assuming they believe they have the means to pay off the loan.

Note that if a bank insured an individual who had more than the allowed 2 mortgages after the limit came into place, CMHC could refuse this insurance claim.

Studies have shown that an individual is more likely to attempt escape earlier, rather than wasting precious seconds scooping up his personal items, when he has renters insurance.

More than 95 % of individuals who own a home have homeowners insurance because mortgage lenders require owners to have a policy.

Another major benefit of first - to - die term life insurance is that you will be able to access the benefits of the policy sooner than if you both had smaller individual policies.

For example, statistically, a person who carries a lower credit score is much more likely to file insurance claims than an individual who possesses a higher credit score figure.

They are less expensive than individual life insurance because they're paying out the death benefit farther in the future i.e. on the death of the second spouse.