Sentences with phrase «where life insurers»

Health insurance is a segment where life insurers are competing aggressively with general insurers and health insurers.

Step 3: After the collateral assignment is signed and notarized by you, we rush the «recording process» where the life insurer has to sign off on it.

Not exact matches

At a time like this, where many life insurers, particularly ones facing credit risks, and those having variable policies, where profitability has declined along with the stock market, the surcharges could have kicked additional life insurers over the edge, and who knows how big the cascade would have been.

As with most insurers, your claims experience with Farmers will depend on where you live.

When I worked at a life insurer that was in the pension business, we would sometimes get asked to quote on business where termination of the existing plan would result in a surrender charge.

Many of the nation's leading insurers offer drivers low - mileage discounts, depending on the state where you live.

Another important factor that insurers consider is where you live.

The inner - workings of cash value life insurance consists of a life insurance policy, which is a contract between the policy owner, the insured (often the same person), and the insurer, where the insurer agrees to pay a death benefit to the policy's beneficiary, based on the owner continuing to make the policy's premium payments.

According to the nonprofit Insurance Information Institute (III), insurers offer several types of home insurance deductibles, depending on where you live and risks posed by severe weather, floods and earthquakes.

Just like life insurance, it can be difficult for consumers to figure out how and where insurers make their money due to the intangible nature these products.

At a time like this, where many life insurers, particularly ones facing credit risks, and those having variable policies, where profitability has declined along with the stock market, the surcharges could have kicked additional life insurers over the edge, and who knows how big the cascade would have been.

Areas of the financial market where there are long / strong balance sheets, such as Life Insurers, Commerical Insurers, Defined Benefit Pensions and Endowments would get higher yields for longer commitments.

Whole life insurance defined: A whole life policy is a type of permanent life insurance where a contract is entered into between the policy owner and insurer, for a policy, which covers the life of the insured, for a specified insurance coverage amount, for the benefit of a beneficiary.

My concern with life insurers is different at present because I don't trust the reserving of secondary guarantees, which are promises made where the liability can not easily be calculated, and where the regulators are behind the curve.

Depending on your insurer and the state where you live, you may have the option of paying more money in premiums in exchange for a lower deductible.

Insurance Broking, including brokers» duties to clients on preparation of proposals, notification of insured events and other communications with underwriters; Underwriting decisions; Reports for insured parties and underwriters in cases where underwriters are seeking to avoid a policy; Disputes between insurers and reinsurers; and Personal insurance cover, including life and health insurance, residential property, PPI and motor claims.

Before joining Beale and Company, Nathan spent six years in the insurance team of an international ratings agency where he provided bespoke credit and financial analysis of Lloyd's Syndicates, non-life, life and composite insurers to a variety of financial institutions.

Before joining Eversheds Sutherland (US), Phil served as chief litigation counsel at the American Council of Life Insurers (ACLI), where he filed more than 350 briefs on significant issues affecting insurers» marketing life, annuity, disability, long - term care and health insurance produLife Insurers (ACLI), where he filed more than 350 briefs on significant issues affecting insurers» marketing life, annuity, disability, long - term care and health insurance pInsurers (ACLI), where he filed more than 350 briefs on significant issues affecting insurers» marketing life, annuity, disability, long - term care and health insurance pinsurers» marketing life, annuity, disability, long - term care and health insurance produlife, annuity, disability, long - term care and health insurance products.

For example, with regard to automating underwriting to the point where 90 % of work is «data - led and bot - driven», around one quarter of life insurers said they expect to reach that point in just two more years, with around two - thirds expecting to get there within five years.

Does an insurer responding to a claim, and pursuing priority against another insurer, have an obligation to bring an application to WSIAT where there is a live Workers Compensation issue?

22 The right under sections 1 and 3 to equal treatment with respect to services and to contract on equal terms, without discrimination because of age, sex, marital status, family status or disability, is not infringed where a contract of automobile, life, accident or sickness or disability insurance or a contract of group insurance between an insurer and an association or person other than an employer, or a life annuity, differentiates or makes a distinction, exclusion or preference on reasonable and bona fide grounds because of age, sex, marital status, family status or disability.

A parent who has insurance coverage on the child shall supply the other parent with current insurance cards, an explanation of benefits, and a list of insurer - approved or HMO - qualified health care providers in the area where each parent lives.

How and Where to Find the Best Premium Quotes on Life Insurance Coverage When seeking the best quotes on life insurance coverage from Sagicor Life Insurance Company — or from any insurance carrier, it is typically best to work with either an agency or a company that has access to more than just one insuLife Insurance Coverage When seeking the best quotes on life insurance coverage from Sagicor Life Insurance Company — or from any insurance carrier, it is typically best to work with either an agency or a company that has access to more than just one insulife insurance coverage from Sagicor Life Insurance Company — or from any insurance carrier, it is typically best to work with either an agency or a company that has access to more than just one insuLife Insurance Company — or from any insurance carrier, it is typically best to work with either an agency or a company that has access to more than just one insurer.

Car insurance rates can differ based on where a driver lives and parks their car, and their choice of insurers in the Pine Tree State.

Your driving record plays a big part, but where you live and the insurer's history of claims in that area is a big one.

As experience accumulates for that make and model, the car may be moved up or down in the ratings and that would affect the cost you pay for comp and collision coverage,» In addition to your type of car, auto insurers factor in your driving record, claims history, credit history, age, gender, amount and type of auto insurance purchased, where you live, just to name a few key pricing variables.

A. Insurers use many factors to determine rates, such as driving records, age, where you live, where you park, if there is a gap in insurance coverage, and how much you drive.

Enter your state in the search field in the chart below to see the average rate for where you live, as well as the highest and lowest rate fielded from major insurers.

Life insurance is a contract between the policy holder and the insurance company where the insurer agrees to pay a sum of money to the beneficiary of the policy when the person who is insured dies.

Connecticare is a local insurer that operates in the same communities where its members live and work.

Some insurers offer crediting programs where they'll give you credit for positive factors in your life like exercise or maintaining a healthy weight, so be sure to ask your broker about this.

During the underwriting period — the part of the application process where the life insurance company is assessing your risk — the insurer will look at your driving record to see if you're a risky driver.

Life insurers have a two - year window, starting from the date the policy goes in - force, where they can look back at your application and determine if any fraud was committed.

Anyone who lives in an area where only one insurer offers health plans on the marketplace is now exempt from the penalty.

Regardless of where you buy that life insurer's policy from - an agent, an online broker or directly from the life insurer - you will go through the same qualification process and ultimately be offered the same rate.

About one in ten change their stance from oppose to favor after hearing that the public health insurance option could help drive down costs because private insurers would be competing with the public plan (13 percent), provide more choice to people getting insurance through the ACA marketplaces (11 percent), or be the only health insurance option for people living in areas where private health insurance companies may not be offering coverage through the ACA marketplaces (11 percent).

Home insurance premiums vary according to the amount and type of coverage you buy, where you live, the insurer offering the coverage, the deductible and your credit and loss history.

Thus a life annuity is a form of longevity insurance, where the uncertainty of an individual's lifespan is transferred from the individual to the insurer, which reduces its own uncertainty by pooling many clients.

Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holdLife insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holdlife assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder).

It defines life insurance «as a contract between and insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of the insured person.»

The following are not considered a settlement under state insurance regulations: • A loan from an insurer under the terms of the life insurance policy (e.g., a policy loan) • A loan from a third party where the policy's cash value is used as collateral (collateral assignment) • A beneficiary designation without a transfer of value • A beneficiary designation of someone with an insurable interest in the insured

There is usually a 2 year waiting period called a «Graded Death Benefit» attached to these policies where the insurer won't pay the death benefits if you die in the first 2 years of the life of the policy.

Some insurers are now also treating an inquiry — such as where you call in and ask a simple question about if some event in your life is covered — as something they slap on your C.L.U.E. report!

The insurer is going to consider where you live by zip code, female or male, age, marital status, prior insurance coverage, vehicle use including the make and model.

Depending on your insurer and the state where you live, you may have the option of paying more money in premiums in exchange for a lower deductible.

Some of the factors an insurer looks at are: make and model of vehicle; credit score; driving history; age, where you live; and how many miles you plan to drive per year.

ULIPs — a common insurance plan sold by life insurers, where the money collected from consumers is invested into equity and debt markets — have become a bone of contention between the two financial regulators, with both claiming regulatory authority over the scheme.

If you travel to dangerous areas like war zones or regions where the chance of contracting a deadly illness is high, some insurers might consider you at a higher risk of death and increase the rate you would pay for life insurance.

Where a driver lives and which insurer they purchase a policy from greatly impacts their auto insurance rates, we found.

According to the nonprofit Insurance Information Institute (III), insurers offer several types of home insurance deductibles, depending on where you live and risks posed by severe weather, floods and earthquakes.