insurer

I had my suspicions that the course was as much to reassure our insurers as it was about safety.

It is often seen as going against the economic interests of insurers.

Step four would be the downgrading of the monoline insurers, which do not deserve the AAA rating on which their business depends.

How much money would now be available to the insurers, and which would be beneficiaries, remains unclear.

As it bulks up in financial services, that may give Britain's largest supermarket chain an edge over traditional insurers.

Insurers will see the heaviest regulations, with new rules that dictate how much they can reap in profit and whom they must cover.

Insurers and company lawyers are arguing about up to what point the money was insured.

He said his center had to turn away three or four patients for every one accepted because insurers would not pay.

The insurers weren't prepared to compensate him for loss of earnings, so he had to leave it at that.

It is often the case that the car insurers in Singapore count on a guide called BOLA which stands for Barometer of Liability Agreement.

The insurers and the drug companies are, in effect, betting that Mr. Obama will be afraid to call them out on their duplicity.

He said he 'welcomes' private insurers to offer and expand supplementary health insurance for those who want a higher level of medical care.

But he said the government supports large state-owned insurers investing in overseas assets.

Well, it could be difficult. Our insurers seem to think the desks and chairs may not be too badly damaged.

The ISO is a national rating and service organization to which a substantial number of the leading property and casualty insurers subscribe.

Like most big life insurers, Aviva did enter the fray with one distinct advantage. It had already had a practice run.

Or the cost calculations that for-profit health insurers make to determine how much coverage they'll give customers.

He was a bully always picking fights-Wall Street, health insurers, oil companies, the U. S. Chamber of Commerce. He took on all comers.

The liability of the insurers to indemnify the insured is usually limited to a specified amount known as the "sum assured" .

Particular problems, like the monoline insurers, should be dealt with by particular remedies, not the warm bath of monetary policy.

At the end of the operation, someone was going to owe a small fortune -- and the insurers were insisting that it would not be them.

Ceglia's plan was to put millions of photos of streets into a database and charge insurers money to access it.

Although the FHA insures just a small percentage of the homes in need of repair, other mortgage insurers could follow suit.

Insurers will also be allowed to invest in host of other Chinese financial instruments including Treasury bills and exchange-traded funds.

Solvency II, the new regulations for insurers, takes a different approach but ends up in a similar place.

Nor does the plan cover brokers, insurers or industrial firms' finance arms, all of which had to be bailed out.

The complex nature of D& O coverage frequently leads to legal wrangling between insurers, executives and companies over payouts.

unfortunately, insurers compete mainly by trying to excel in the art of denying coverage to those who need it most.

BANKERS, frauds , predatory insurers: there has been a stampede to punish the villains of the global meltdown.

we should be grateful if you would take the matter up for us with the insurers.

Double insurance is where an insured takes out insurance with two or more insurers for the same risk.

Many large insurers and banks, in London and elsewhere, also stand to benefit from common rules across Europe's borders.

Marquis said he was working with insurers to get compensated for his loss.

Yet the next few years may be far tougher on insurers, partly as a result of actions taken to mitigate this crisis.

Between them, public and private insurers now rub shoulders in a field that was once rather lonely.

And a third was to cut the risk of borrowers defaulting, using CDSs with insurers like American International Group.

The test is not accurate enough, she said, and in many instances not reimbursed by insurers.

The analysts did not specify what banks or insurers were competing to lend on the California properties.

As the authors point out, for insurers to even consider a long term policy they must have the freedom to charge premiums that reflects risk.

A second pan-EU body would thrash out standards to be applied to day-to-day supervision of banks, insurers and securities markets.

Investors worried that higher borrowing costs could make carmakers, insurers and energy companies the next victims of the credit crisis.

Many Republicans reject a public plan and argue that it would ultimately drive private insurers out of business.

It wasn't clear what share of that amount would be paid by property and casualty insurers.

It warns supervisors to take more account of macroprudential spillover as many insurers react similarly to economic events.

If it were reliable enough, would insurers cover you for divorce?

The mortgage insurers, for example, fared just a bit better than their credit insurance cousins.

Overstretched banks and global insurers are not the only things that are "too big too fail" .

Payments received from insurers shall be used for the rectification of the loss or damage.

If so, manufacturers will have to negotiate prices with insurers, and submit to mediation if they do not agree.

Quite a few big-name auto insurers have been giving hybrid owners a discount on their premium.

Banks and insurers across Europe, along with their shareholders, would be hurt by such a move, but the pain would be manageable.

Insurers, however, do not make the red carpet, which may be why Fireman's Fund has started nominating the year's "riskiest film" .

But the finances of the mortgage insurers do not look that healthy, which may mean the risk ends up back with the siblings.

The final lesson: insurers get paid for the insurance they provide; it would be nice if the taxpayer were shown the same courtesy.

Banks and insurers, effectively backstopped by the U. S. government, could also face downgrades and find it more costly to borrow money.

Since 2004, some insurers have been allowed to invest foreign exchange earned by overseas share sales in offshore fixed income securities.

That would be fairer to savers; setting a limit might also encourage insurers to develop products that would cover individuals' liabilities.

The liability of the Insurers does not begin until the Proposal has been formally accepted by the Insurers or official cover note issued.

In an echo of the San Francisco disaster, the repatriation of money by insurers has disrupted the value of the yen.

The cross-shareholdings have been unwound: Deutsche Bank, for instance, no longer owns chunks of insurers, carmakers or sugar processors.

The rescues of banks, insurers and mortgage lenders have also left some cleaning up to do.

Officially designated 'Tier 1 financial holding companies, ' they could be banks, insurers or almost any other large market player.

Others are mulling over proposals to stipulate that abortion cannot be covered by private insurers in the forthcoming health-care exchanges.

For his third wish, Fischell took on the medical malpractice system, which, he believes, puts doctors at the mercy of lawyers and insurers.

One proposal is to offer the choice of a government insurance plan that would compete with private insurers.

Share indices have generally fallen since the quake, and insurers rely on equity-market investments to bolster capital and performance.

Unlike banks, most insurers did not need huge dollops of public money.

Unlike other risks, the threat of terrorism cannot be forecast in time or scope, making a mockery of insurers' underwriting models.

Health insurers have reacted positively, since costs are a fraction of those of keeping patients in hospital beds.

During the current downturn, it is no surprise that governments and health insurers alike are tempted to identify short-term cost savings.

And, like Medicare, private insurers may in turn require patients to pay a percentage of what can be hefty bills.

None of this, of course, is good news for the insurers' shareholders either.

If one day it's the bankers or the insurers or the oilmen, the next day it could be you.

Insurers are now demanding higher premiums to meet the cost of such freak weather, linked to climate change.

Bond insurers, who used to cover roughly half of the market, have retrenched or gone bust after making bad mortgage bets.

When the next hurricane hits, the repair bill will land squarely on Floridian taxpayers, rather than being spread among global insurers.

They included doctors, consumers, unions, businesses, insurers and members of the U. S. Congress.

Cigna Corp. leads U. S. insurers in terms of penetration in the China market and spends a lot of its time educating consumers.

Although these insurers had a mass of insurance business data, they didn't make use of it to evaluate and classify clients' risk profiles.

Providers who fail to recognize that ALL providers billing insurers for services rendered are under some form of investigation.

This is a discount offered by car insurers for those car owners who have not made any claims within a year or more.

Allstate, an American insurance company, noted that insurers had come to accept widespread customer dissatisfaction as a fact of life.

More states are asking insurers to run Medicaid, the programme for the poor.

It is noted for setting claims promptly and equitably and is therefore one of the world's prestigious leading insurers .

The warning that the killer heels could literally live up to their name comes from insurers.

If only insurers could stealthily gather a few titbits about their potential policyholders' consumption habits.

Moreover, policies typically give insurers the right to claw back all legal fees if the defendant is found guilty of insider trading.

Since 1996 Germans have been able to choose among statutory health insurers, forcing them to improve service.

Most insurers cover physical therapy, although some may insist that you get a referral from a physician before they will authorize a visit.

The market entry of domestic banks and insurers is expected to spur industry consolidation in the next few months.

Insurers would be required to offer plans that meet minimum government requirements for health coverage, and to price them transparently.

Insurers shall not be liable for costs and expenses incurred to prevent or minimize further occurrences or happenings of a similar nature.

Consumers can be given more choice of insurers, creating an incentive for them to sign up for a plan that doesn't cover wasteful care.

Insurers must pay even if there were fraudulent misstatements at the time of the application if a policy contains an incontestable clause.

He points to South Korea, where foreign insurers lost money on a queered pitch for over a decade, but are now raking in handsome profits.

Specialized operation can be a choice for mid-and-small non-life insurers to avoid over competitions.

For commercial insurers, being far from agricultural insurance is the best choice.

InAmerica, where insurers are supervised on a state-by-state basis, regulators' smoothed assessments ofcapital have been dwarfed by losses.

But a clutch of British insurers, including Hiscox and Omega Underwriting, have recently moved to Bermuda to minimise tax.

But China Life is likely to be mindful of the the risks of investing in overseas insurers.

The insurers have been following the data and trials that are now informing us on these screening recommendations and guidelines.

Today's rescues have included investment banks and insurers, neither of which used to be regarded as system-threatening.

Cash-rich Chinese insurers are said to be hunting for minority stakes in foreign rivals to obtain management skills.

Market participants said the selling pressure came from long-term investors, such as pension funds, banks and insurers.

Such practices impact institutional buyers like pensions and insurers, which are often restricted to buying highly rated debt.

Fragile issuers and nervous investors ought to be a boon to insurers.

Faced with all this, insurers are keen to diversify.

Asia , in particular China , continues to be viewed by global insurers and reinsurers as the region of opportunities .

The insurers posted the filings on their own Web sites; with a little digging, investors could find them.

Mainline firms are moving into the sector as well; new insurers are preparing to launch.

Insurers are being pushed in a similar direction, and pension funds have been moving into bonds for several years.

Private insurers will have to compete with a public plan modelled on Medicare.

But the costs to insurers could mount, says Advisen, as they face legal fees to help resolve contract disputes.

They were about saving the top players (banks, unions, insurers) in a system that was built on illusion.

Pharmaceuticals, healthcare consultancies and insurers have augmented their full-time recruiting activities on campuses.

This time, the focus is on American International Group (AIG), one of the world's biggest insurers.

That designation may mean insurers become subject to tighter scrutiny from regulators attempting to avoid another financial crisis.

From outside the US it was obvious that the little- known monoline bond insurers were critical players in credit markets.

Otis is a decent insurance man; he will help claimants get around the semantics that could allow insurers to dodge payment for flood damage.

But the approach has not worked so well since the financial crisis hit in 2008 and many insurers cut or cancelled cover.

Foreign life insurers also face challenges from Chinese banks, who have been rushing into the insurance industry in recent years.

The aim of this paper is to provide a rational investment strategy which can control the risk of insurers.

If the bond insurers lose their triple-A credit rating, the bonds and other instruments that they insure also would be downgraded.

But to do that it needs US pension funds, Italian life insurers and Japanese banks allocating capital to the market.

Capital rules for insurers are in a state of flux.

To make matters worse, bond insurers, which rate America's $2. 5 trillion municipal-bond market, are also up to their necks in CDOs.

Governments are now borrowers, lenders, investors and insurers of last resort for much of the financial system.

Fannie Mae and Freddie Mac are government-sponsored mortgage insurers that have benefited from the financial rescue package.

One channel of contagion involves monoline bond insurers, the specialized insurance companies that are supposed to guarantee debt.

Losses must also be shared between those directly affected and insurers, both private and public.

They join more established insurers like AIG, Chubb and a cluster of syndicates at Lloyd's of London.

Private insurers, national export-credit agencies and multilateral bodies like MIGA offer businesses cover against political shocks.

However, there are also some insurers that will wait up to a maximum 12 months.

Italy owes about a quarter of all government debt in the euro zone. Its bonds are held by banks and insurers across the region.

When city officials failed to respond to conditions imposed by its insurers, coverage was withdrawn.

It also led to the Doxford business park in Sunderland, which has attracted banks, insurers and the sporting-gear giant, Nike.

Mr Dinallo met with banks in January to press them to help provide fresh funds to boost the capital of the bond insurers.

A clear majority of Senate Democrats favor a government-run plan, saying it would hold down costs by competing with private insurers.

Listings are being seen as an increasingly important source of cash to bolster insurers' balance sheets and propel their expansion.

Primary insurers can control their exposure in certain areas through underwriting measures, but reinsurance companies cannot.

Will the Fed become chief supervisor of big insurers, who now have no federal regulator?

As for the insurance companies to drink the exemption clause and therefore my driver and vehicle. All insurers without any compensation.

So why is it that both domestic and foreign insurers seem to be struggling?

It has less bureaucracy and, hence, lower administrative costs than private insurers.

Such cost-shifting would force insurers to raise their premiums, making them even less competitive with the taxpayer-subsidized public plan.

So what quirk of human nature is standing in our way, and what might insurers (and governments) do to nudge us in a more sensible direction?

Negotiations between big insurers and select groups of doctors would be unfair, he fears.

While stocks have recovered somewhat recently, easing pressure on insurers, another swoon could revive concerns about their capital.

This way, the insurers will be able to recognize those car owners who have been pretty careful on the roads.

AIG was among the first major insurers with operations in Thailand, Malaysia and the Philippines.

With the credit markets in turmoil, bond insurers are desperate to retain the top-notch ratings that cities depend on when they borrow.

In January the competitive pressure grew when the insurers gained the right to levy extra fees on their customers.

Some insurers will also stipulate that you join a care-management program, which could cost $1, 500 or more out of pocket, Dr. Flum said.

Insolvency in insurers removes all emergency "backups" to irresponsible lending and spending, which would surely ruin the economy.

It has also taken a 20% stake in Ping An Health, one of China's largest private health insurers.

But as one of six insurers that contracts with Monarch, it will also benefit from patients' lower costs.

Only two of the top ten stolen cars in America (measured in terms of cash paid out by insurers) come from a foreign manufacturer.

The paper constructs and commentates the theoretic links between enterprise risk management (ERM) and value creation of insurers.

The insurers use this BOLA to assess how liable each party is in the event of an accident.

But quite apart from the business implications for insurers, the ruling has a broader significance for E. U. equality legislation.

Even if some gain from falling asset prices, lenders and insurers have to book losses, which leaves them needing money.

These tweaks have insurers across the continent breathing sighs of relief.

The ECGD says it thinks private insurers are about to start doing serious business again.

The Football Association have confirmed their insurers will pay compensation to Liverpool for Steven Gerrard's hamstring injury.

To protect against these situations, insurers screen potential enrollees for the risk of adverse selection.

At this point, insurers are estimating they will pay out between $3 billion to $6 billion in claims.

Action of subrogation is an important way for maritime insurers to realize the right of subrogation .

It is more important for the insurers to have their own stable management groups and abundant experiences in private equity investments.

to meet the flood of claims, insurers shipped gold from New York to San Francisco and Wall Street was emptied of liquidity.

Insurers help archaeologists, perhaps with quick money, because companies are vast property developers.

The buyers and insurers of these instruments have fled the markets.

Groups of US and European banks are working with different bond insurers, reflecting their banks' individual exposures.

A: Legal liability issues arose when insurers refused to insure vaccine manufacturers against lawsuits.

These insurers may not be using your premiums to pay a middleman but they are using them to line the pockets of advertising executives.

In the previous section I mentioned "float, " the funds of others that insurers, in the conduct of their business, temporarily hold.

The Dutch want the "risk-equalization" incentive payments to motivate insurers to cover more than just healthy customers.

Fixed-income investments of similar duration can best match insurers' typical liability payment structures.

Several auto insurers have started offering in-car cameras or global positioning equipment to parents to monitor teen driving habits.

and among the top three life insurers in Indonesia.

Over time, most insurers experience a substantial underwriting loss, which makes their economics far different from ours.

The California governor's plan would spread the cost among insurers, businesses, insurer s, government and health care providers.

Insurers also rose sharply as property damage from Hurricane Irene was less than feared, according to early estimates.

Few of these are known at present, so tests are poor predictors of health, and insurers would be unwise to rely on them.

Insurers were among the biggest fallers of the day.

Unfortunately, insurers often settle small claims even if they are doubtful, simply to save legal fees and administrative bother.

And Obama favors other tax hikes: on banks, medical device manufacturers, health insurers, high-cost health insurance plans.

"If you want to benefit from the growth of the consumer and their savings, insurers give you much quicker access, " he says.

In focus are companies that provide financing to the broad economy, including bond insurers and specialty finance firms.

Clearly, investors believe that coops would offer little real competition to private insurers.

Private insurers and public programmes are starting to focus more on prevention and the systemic aspects of it.

Continuing where Mr Bush left off, Mr Obama intervened to prop up ailing banks and insurers, thereby probably averting catastrophe.

But "monoline" insurers, which insure municipal bonds issued by American cities and counties, are barely breathing.

If those insurers don't have to make massive payments, they probably won't have to liquidate assets like JGBs.

Aetna, Cigna, and other insurers now reimburse physicians for Web consultations in Florida, California, Massachusetts, and New York.

These include doing away with lifetime caps on coverage and 'rescission, ' a practice used by insurers to drop customers once they get sick.

A second set of risks relates to proposed reforms to insurers' capital and risk-management under the incoming Solvency 2 regime.

Yet when it comes tonal-outs insurers differ from banks in another important respect: they are less important to the system.

Many life insurers, including Nan Shan, are now losing money on investment-linked policies with high guaranteed rates of return.

Some insurers now let consumers comparison-shop online by viewing the prices specific hospitals charge for procedures.

The first, now working its way through Congress, calls for an optional federal charter for insurers.

In part, the administration is demonising insurers in an effort to transform the new health law from an electoral liability into an asset.

Health insurers that compete this way will drive value in the system far more effectively than government monopolies can.

Perhaps the greatest threat to commercial banks has come from life insurers and pension funds.

The groups that recommend them have also called upon insurers to pay for monitors prescribed by physicians.

British insurers are organizing a private escort service for ships operating off Somalia, British media reported.

During last decade's tech bubble they held insurers and energy companies as the Nasdaq rocketed upward.

Private insurers vary considerably in coverage for the procedure, though some will pay after two weeks of back pain.

Some of the biggest health insurers are introducing incentives of one kind or another.

Different health insurers have different requirements to prove your medical need for gastric bypass surgery.

A growing number of people with common medical conditions are being refused life cover, as soaring obesity levels hit insurers.

And how could a new government plan keep insurers honest, when our existing entitlement programs are riddled with waste, fraud and abuse?

Banks and insurers were at the top of the pile, making up five of the new entrants.

Throwing millions of Americans off Medicare and pushing them into the arms of private insurers is another story.

The legal validity will occur to insurers, the infringer of third party and insurants when the right of insurance subrogation establishes.

Furnish all such information and documentary evidence as the Insurers may require.

Until recently insurers were seen as the plodders of the financial system.

Periodically audit claims reserves of insurers and self-insurance administrators.

Still, the disaster doesn't appear to be a major risk for China's big banks and insurers.

However, they would force banks and insurers to completely reassess how they report their investment portfolios.

A male driver under 21 is twice as likely to have an accident than a woman under 21, insurers say.

Insurers are close to their permissible investment limits in equities.

These aren't just broad gender generalizations but measurable statistics that insurers take into account when they draw up their policies.

Nothing I do or say to the insurers seems to speed up this process.

Our insurers are among the leading foreign players.

It seeks reimbursement from parties including subcontractors and insurers.

Medical insurers and most Republicans say a public plan would enjoy unfair advantages and destroy competition.

Several investigations of different insurers have since been instigated on similar grounds.

Both the income statements and balance sheets of insurers can be minefields.

"A lack of talent also impacts on the foreign insurers' ability to achieve first rate compliance, " the report adds.

Municipal borrowers are already being affected by the lack of confidence in the insurers.

A further 20 overseas insurers are expected to enter the market in the next three years.

The government stepped in, using billions of taxpayer dollars to help banks, investment firms, and even major insurers weather the storm.

However, Mr Dinallo's initiative has spurred the banks to look at supporting the insurers on an individual basis.

Many life insurers also hold large portfolios of residential mortgage and commercial real-estate assets.

Such contracts deprive insurers of the opportunity to recalibrate risks.

Polly Deng has bought a critical illness policy from private insurers, which covers killer diseases like cancer.

PEMGroup sometimes told banks that its notes' interest and principal payments were backed by major insurers.

The bill would also stop insurers from denying coverage to people with debilitating pre-existing conditions.

The health law requires insurers to cover those with pre-existing conditions without increasing their rates.

With scale would come the power to negotiate fatter discounts on drugs, lowering costs for employers and insurers.

Both plans require that private insurers offer policies to everyone, regardless of medical history.

But worries about fresh write-downs at European banks and concerns about prospects for US bond insurers, kept investors on edge.

Insurers are thinking twice about covering people who live far from a fire station or a water source.

China's capital commitment requirements can be considerable: over 1 billion yuan, almost $150 million, for some banks and insurers.

Annuities are also expensive: after all, insurers must fear that only vegan teetotallers will buy them.

Joint loss agreements should be obtained from fire and boiler and machinery insurers.

Hedge funds, insurers and the like gained access to a broader range of credit risks.

It consists mainly of insurance carriers (or insurers) and insurance agencies and brokerages.

Many physicians' offices, hospitals and insurers still rely on archaic paper records systems.

Insurers are already being threatened with downgrades by rating agencies for the terrorism cover they have sold.