premium

means the net premiums adjusted by the unearned premiums at the beginning and end of the financial year.

But they show the direction TV design is headed, and, for the moment, yield sizable price and profit premiums for manufacturers.

Another thing I really liked was that unlike insurance was that there ARE NOT higher monthly premiums or exclusions for existing conditions.

If you are paying high monthly insurance premiums for a lower claim deductible, you are pissing in the wind.

This alternative would have to operate as any other insurer, on the basis of the premiums it collects.

The advent of credit derivatives seems to have forced down these premiums.

It's about every family unable to keep up with soaring out of pocket costs and premiums rising three times faster than wages.

He said that in the first 10 months of this year, Honest Tea paid about $51, 000 in premiums destined to help farmers or farm workers.

The only new element to the plan, and a controversial one, is creating a body to control insurance premiums.

Second, the news is slapping investors out of their silly belief that emerging markets deserve risk premiums barely above developed ones.

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.

At this point, the premiums paid will not even begin to offset the costs of the sick.

Self-employed people would be able to deduct all the costs of their health-care premiums from their taxable incomes.

The insuring Party shall pay the amount of these premiums to the other Party, and the Contract Price shall be adjusted accordingly.

Worries over the vulnerability of the European banking system have pumped up the risk premiums for banks to borrow in the open market.

If you're paying your own insurance premiums, the cost can be even higher, especially if you don't have the benefit of a group plan.

The hope is that overall premiums, both from new policies written in a year and from old ones customers renew, will not fall.

But beneficiaries could be required to pay higher premiums, co-payments and deductibles to help cover the costs.

People who aren't registered residents of a county may be shut out of benefits, even if they pay premiums.

The American system ties medical insurance to employment by allowing company spending on medical premiums to be fully tax-deductible.

Tight old-crop supplies mixed with increased processor demand and with uncertainty of the new soybean crop to cause premiums to skyrocket.

One important measure, implied volatility premiums on call options, also known as the call skew, illustrates this.

Government subsidies and the creation of a national exchange would make premiums more affordable to smaller firms and poorer individuals.

"Some of the shares were trading at decent premiums a few months ago and have now fallen back to big discounts, " Locke says.

By making a life settlement with a third party, they can extract more of the value out of the life insurance policy after years of premiums.

Apart from a broad market indicator, I find the VIX is a useful guide to the premiums investors might expect to be priced into options.

Premiums also depend on the nature of the art. Porcelain might cost twice as much to insure as oil on canvas.

It could, for instance, keep its premiums artificially low or offer extra benefits, then turn to the U. S. Treasury to cover any shortfalls.

Europe's leading insurance companies rival it in terms of non-life premiums written and balance-sheet oomph.

Experts say Americans can expect to pay higher insurance premiums as a result of this year's flooding.

This will bring substantial new revenues into the system, lowering premiums for everyone and reducing the need for subsidies.

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

Demand from key gold-buying regions has picked up, pushing Asian premiums to their highest since the start of the year.

For too long, we have been held hostage to an insurance industry that jacks up premiums and drops coverage as they please.

Premiums paid that do not equal the premium expected will be recorded and reconciled with Barclay Card Head Office.

The German reinsurer is the world's largest provider of reinsurance, measured by the volume of premiums charged annually.

Life insurance premiums increase with the age of the insured.

People who are overweight typically have to pay life insurance premiums that are twice to four times as expensive as the average person.

Plus, Berkshire is able to invest the premiums until the contracts expire.

The money fund turmoil rippled across other markets and sent short-term borrowing costs and risk premiums soaring.

Other than the source of its premiums, Medicare is no different, economically, than a regular health-insurance company.

It is better to save on premiums and take occasional losses on the chin - you'll come out well ahead in the long run.

There are insurance companies who would underwrite such risks but the premiums would be sky-high as would be the cost of flying.

Personal insurance premiums grew by 22 per cent in 2007, on a year-on-year basis, and total penetration is low.

But given the high risk premiums prevailing in Europe, this percentage is too low for a level playing field.

If the Company cancels , earned premiums shall be computed prorata .

Interest rates significantly increase due to the higher purchasing power and risk premiums demanded by the lenders.

In the coming years, as we continue to ramp up reform, we expect seniors to save in premiums and out of pocket costs.

The PICC charges premiums at lower rates, so it is to your advantage to have your orders insured with PICC.

One way of mitigating this problem is to charge insurance premiums that vary according to the riskiness of each bank's lending.

Social insurance agencies shall inform the public of the collection of social insurance premiums quarterly .

He pays premiums on his life insurance four times a year.

In addition, the individual and small-group insurance markets have been merged, markedly reducing the cost of individual premiums.

If the Insured cancels , earned premiums shall be computed in accordance with the customary short rate table and procedure .

Grades are often accompanied by a schedule of discounts and premiums allowable for delivery.

Now people can pay their insurance premiums or subscription money in renminbi, and coupons and dividends can be paid in the currency.

This strategy works well for any long-range expense you foresee for the year, from insurance premiums to vacations to Christmas spending.

Such protections should include affordable premiums and out-of-pocket costs, she added.

By the employer to pay medical insurance premiums do not have to pay tax.

Universal allows you to raise or lower your premiums and resulting cash balance.

The key to comparing the premiums for policies across multiple car insurance companies is to make sure the policies offer the same features.

If you already have health insurance, the only change your see under my plan is lower premiums.

If heavily indebted countries have to pay heavy risk premiums, their debt becomes unsustainable.

over the payer entities' participation in social insurances and payment of social insurance premiums.

They offer low premiums, low deductibles, limited benefits, and a clever twist.

The term risk premiums in bond returns are found to be monotonically increasing with term to maturity.

Abe attributes the increase in child poverty to the country's changing demographics, struggling economy and high social security premiums.

Understand the terminology of long-term debt including par value, stated versus effective interest rate, discounts, premiums, and mortgages.

That could increase risk premiums and unnerve frothy financial markets around the world.

Both the yields and premiums are close to levels that pushed Greece, Ireland and Portugal into bail-outs.

The employing unit and labourers must participate in social insurance and pay social insurance premiums in accordance with the law.

Capital was scarce and Mr Ganesh tackled cashflow problems by getting companies to pay their maintenance premiums upfront.

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

Every case is different, but if someone is at increased risk of health problems, they will pay increased premiums.

Your list might include handing out key chains or other small premiums to customers after a purchase.

Norwegian whalers pay huge insurance premiums as a result of their campaign, but it hasn't had much impact on whaling.

Of course insurance companies need to charge premiums high enough to cover their costs.

Consumers were also increasingly likely to pay premiums for probiotic products, GIA said.

However, profits will be squeezed, thanks to a new tax, a minimum standard for benefits and new scrutiny of increases in premiums.

Valuation shall take into account all forms of remuneration, including any premiums, fees, commissions and interest receivable.

We also have to accept that land premiums and investment income, as volatile as they may be, are very important to our finances.

Variance adjustment are needed when one calculates FX premiums of the same currency pair under different money measures.

and the amount set aside and carried forward shall be equal to fifty percent (50%) of the premiums retained for the current year.

The system hurt small businesses, too; their premiums were 35 percent higher than those paid by large businesses and government.

During those years, pilots lost retirement benefits and overtime pay, and accepted increases in medical premiums and decreases in coverage.

Foregoing some additional derivatives premiums proved to be well worth it.

The extra premiums earned make up for the capital loss suffered in the market.

Forex premiums collected by insurance organizations for re-insured or pending settlement involving forex insurance items.

What's more, with premiums rising, trade finance has become a more profitable business for institutions still doing it.

We disagreed over whether insurance companies should be held accountable when they deny people care or arbitrarily raise premiums.

Faced with higher medical costs and increased insurance premiums, corporations are focusing on health promotion and wellness.

In this paper, I propose that technological innovations increase expected stock returns and premiums at the aggregate level.

I realize that option contracts trade at premiums that will lose value as the expiration date approaches.

Another is that risk premiums are likely to rise across the board, with adverse consequences for economic activity in many countries.

If higher premiums discourage people from saving up for an annuity, for example, the court's judgment will end up helping no one.

Monthly premiums should be lowered to provide seniors with more disposable income to make these choices.

Article 26 The insurance premiums of the goods imported by land, air and sea shall be calculated on the basis of the expenses actually paid.

Peddlers of tail-risk products like to compare them to insurance: investors pay premiums every year to avoid financial catastrophe later.

Yields on government bonds have fallen: clearly, investors do not yet expect higher premiums for safe American assets.

Flexible employees in the medical insurance program can pay premiums directly to collecting institutions of social insurance.

Even so premiums barely rose, perhaps because there was too much spare capacity in the reinsurance industry.

Subsidiary costs for insurance premiums, inspections and ground vibration control can add up considerable amounts.

They note that the credit turmoil has hit existing providers, premiums are high, and regulators are keen to stabilise the market.

Eventually, the premiums of the top vintages will start to reassert themselves.

Householders face higher building insurance premiums after a sharp increase in property damage blamed on climate change.

the competing plans would rely on market mechanisms while Clinton would try tight, mandatory limits on increases in insurance premiums.

Life insurance contract of long period is suspended because the insured do not pay the back premiums which are due after the grace period.

second, the insurer set by the different interest rates, different premiums paid policyholders.

Price: transaction methods, freight, insurance premiums, fees, unit price, total price, currency.

Coal mining enterprises must provide accidental injury insurance for miners working underground and pay premiums.

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

Instead of pay such high premiums, Providencia is running through its own cash in hopes that borrowing costs decline early next year.

No chief executive is being fired for preferring the payment of huge takeover premiums for growth outside Japan over domestic investment.

Their premiums pay the long investors' coupons.

Coverage by a contract binding a party to indemnify another against specified loss in return for premiums paid .

It wastes gas, will wear out the vehicle sooner, and ends up costing you big bucks in speeding tickets and insurance premiums.

More competition, measured by the number of HMOs in the market area, reduces HMO premiums.

This wider set, of necessity, increases risk premiums on illiquid assets.

Are the premiums paid on the policy by the employer deductible for profits tax purpose?

High- wage structures are often relics of expatriate remuneration scales based on European levels of living and " hardship " premiums .

The Chinese insurance market has boomed over the past decade, with total premiums growing nearly 30 per cent a year on average since 2000.

In Arizona, insures must continue coverage unless the insured fails to pay the premiums or loses his or her license to drive.

In the United States, multitudes of premiums for new devices were awarded at country fairs and at the industrial fairs in major cities.

Shippers must pay extra insurance premiums, even if they ply a course far from Somalia's waters.

The premiums stem from China's capital controls, which trap a lot of stock-investing liquidity within the Shanghai and Shenzhen markets.

And insurance penetration (premiums as a share of GDP), remains extremely low (see chart).

Land premiums and investment income are very important, yet volatile, revenue items.

Unlike those for car insurance, the premiums are flat rates: the libidinous will pay the same as the uxorious.

Investors are aware of the tension, judging by the higher premiums they want for buying the debt of weaker euro-zone economies.

As 2009 wore on, the liquidity crunch faded and risk premiums in the money markets dropped steadily.

"Parents start paying premiums when a child is small, " says Phuong Chung, senior vice-president at Manulife-Sinochem.

Our research demonstrates how stable inflation matters considerably for equity risk premiums.

Article 27 For goods imported by mail, the postage shall be taken as the freight and the relevant expenses and insurance premiums.

The more they neglect this issue, the higher premiums people can expect to be charged.

Clearly, the rights and obligations wrong, the insurance company shall refund the overcharged premiums.

The Treasury yield curve will slope upwards, reflecting liquidity premiums that increase with maturity.

Article 3 Local tax authorities shall be responsible for collection of the social insurance premiums.

Premiums for all of 2008 were down 20% from 2007 as the company pulled in its horns amid the market turmoil.

Clearly the most versatile type of policy, it is also the most expensive, both in the case of premiums and deductibles .

Article 30 The reinsurance assignee shall not demand payment of premiums by the applicant of the original insurance.

both the size and coverage of the insurance premiums are emerged in rapidly expanding trend.

In another sign of market anxiety, risk premiums reflected in interest rate swaps also rose, with spreads widening sharply.

First, your premiums will be much higher on a policy with a low deductible.

And social security premiums have increased in the last 20 years, putting families on the threshold of poverty.

Social security agencies shall make audit periodically on payment of social insurance premiums by payers .

Table 24 shows occupations that have low earnings premiums for occupations that usu­ ally require completion of high school.

Risk premiums, the extra interest corporate borrowers pay over U. S. Treasurys, are falling again for corporate bonds.

Solar-electric producers in Germany benefit from regulations mandating that premiums be paid for sun-fueled power.

In other periods when stocks were similarly valued, inflation, interest rates and risk premiums all were higher, he says.

Sentiment drives insurance premiums as much as mathematical models and past experience, however.

Social security agencies shall make audit periodically on payment of social insurance premiums by papers.

Some coin wholesalers are raising their premiums to take advantage of rising demand.

Portuguese and Spanish yield premiums over Germany have settled at higher levels following the Greek turmoil.

Mostly, however, the reform deals with the symptoms of muddled incentives: high premiums and poor access.

But inflation-adjusted premiums on private health insurance rose more than 700 percent over the same period.

The re-employment service center also pays old-age, medical and unemployment insurance premiums for laid-off people.

Insurance regulators are certainly well aware of the risk of future increases in homeowners' insurance premiums.

The reinsurer shall not demand payment of premiums from the applicant of the direct insurance .

The CBO found that his plan would lower premiums for millions of Americans, and those facing hikes would get better coverage.

There are so many conflicting forces we have not been able to assess the effect on premiums.

no more cheap premiums for careful female drivers, and lower annuities for shorter-lived men.

In the last eight years, premiums have grown four times faster than wages.

Wishful thinking allowed asset prices to reach absurd heights and pushed risk premiums to incredible lows.

With an average increase of 7. 2% on health insurance premiums, many civilian workers would actually see their take-home pay fall.

Mr. Jones has paid those premiums for years and it was a profitable investment.

Annual premiums for family coverage eclipsed the gross earnings for a full time, minimum wage worker ($10, 712) per year.

Our company is mainly specializes in furniture designing and designing work for gift item, premiums.

And Mr Obama's health reforms, he reckons, are strangling small businesses, which are already seeing premiums rise by 25% or more.

This hazard and the need for insurance adjusters to visit farms for each claim tend to make insurance premiums expensive.

It has raised your health insurance premiums and left your employer with less money to give you a decent raise.

If you install a device that protects your car from being stolen, you can often see a significant reduction in your premiums.

Instead, they want budget cuts to lower risk premiums and stave off disruptive debt restructurings.

Some insurers reduce premiums for banks that protect themselves with such software.

Now we pay huge premiums for Apple products made up of commonly available components.

Insurance premiums and earnings from interest, and the surplus balance of insurance payments .

It also provides medical benefits to widows for 20 years and continued medical benefits for dependent children with no premiums.

You may pay a little more that the $10 co-pay per visit but you can save hundreds each month on premiums.

In private employer-sponsored health plans the slim pay similar premiums to the overweight.

The insurance premiums are considerably lower if you take a driver's course.

Insurers protect margins by micromanaging claims and hiking premiums.

Waste handling and charges, raw material usage and insurance premiums can often be cut, along with potential risks.

But restricting the ability of insurers to reflect risks in setting premiums causes problems.

Although the price of cars has gone down, people find car insurance premiums have increased.

Most of the companies getting snapped up are smaller than SRA, but still attract premiums.

Federal deposit insurance premiums and other account maintenance costs cut deeply into his returns.

That is why older people pay higher premiums to take out a life insurance policy than do younger people.

Developments that fail to generate lucrative premiums aren't coveted by big builders these days.

Investors sell options contracts to other investors and collect premiums in return.

The combination means high premiums and, potentially, deep losses at maturity.

As a result, premiums for directors' and officers' liability insurance in the US are six times as high as coverage in Europe.

And higher insurance premiums, kickbacks naturally more.

premiums, not just in the stock market but throughout the financial system.

Insurance premiums are like money put aside for a rainy day.

They will write options, earning premiums for selling insurance against extreme market movements.

China's 10 leading insurers derive less than 5 per cent of their premiums from Sichuan province, says Moody's.

Retail deposits are explicitly insured, but at premiums that imply a taxpayer subsidy.

Real incomes are falling if you consider such things as rising health insurance premiums and co-pays.

Some magazines give premiums for obtaining new subscriptions.

Interest rates and credit default premiums have soared and stock markets crashed.

Countries as poor as Haiti are far more likely to have their premiums paid by donors, who funded its CCRIF premium of $385, 000.

If you're not scared yet, try to imagine what they're going to charge you in insurance premiums as a result.

Third, expensive premiums depress workers' wages.

Weak governance and political instability mean high risk premiums.

When insurance companies calculate premiums, they have to take level of risk into consideration.

In addition, the system favors persons with high earnings since tax deductions for insurance premiums are worth more to them.

Those perks (allow) some employees to retire early and receive pension premiums.

This could be part of such measures, lowering premiums if a teenager uses a risk detector.

Risk premiums for countries affected by the pandemic might rise.

That contrasts with the 1998 Russian debt default, which caused a jump in risk premiums and the failure of Long-Term Capital Management.

Parents often encourage their children with premiums for good conduct.

Hisakazu Torii, an analyst at DisplaySearch, a research group, says premiums on 3D televisions are likely to start shrinking next year.

It paves the way for Chinatrust Financial Holding Co. to bid for Nan Shan, Taiwan's third-largest insurer by premiums.

It is the company that collects the premiums, files claims and makes sure its employees know the rules.

Money market rates and short-term risk premiums have reached multi-month highs in recent days.

Ms Parker recently announced increases to premiums to pay for them, but Mr Diamond considers those merely symbolic.

There will be interactive and video ads, for which Yahoo! will charge advertisers big premiums.

Fear and insurance premiums now keep much of the media away.

As a result, insurance premiums, which are based on averaging risk across the population, are inadequate to cover future claims.

Within the rich world, risk premiums have risen dramatically for already-indebted governments such as those of Greece and Italy.

Don't blame me. Blame high fuel costs, blame insurance premiums, blame technology.

If they were too lenient, their insurance premiums would rise.

Risk premiums in money markets grew with the anxiety over Greece signaling investor reluctance to part with their cash.

Younger workers in good health avoid buying coverage, leaving higher-risk people in the insurance pool, thus driving up premiums.

It spent money to allow companies to scale back production and paid consumers premiums to destroy assets with intrinsic value.

Other people have health insurance and pay insurance premiums each month.

The current portion of insurance premiums paid that cover future periods.

The premiums are of a capital nature.

Often, they could only receive fresh funds by providing more collateral or by paying higher interest-rate premiums than before the crisis.

There is a saving on freight charges, since containerized goods carry lower insurance premiums than loose goods.

Citizens pay flat-rate premiums for all ages and incomes that cover about half their coverage.

Risk premiums widened, and the euro zone was divided into creditor and debtor countries.

AIG owns 95 per cent of Nan Shan, Taiwan's third-largest life insurer by gross premiums with an 11 per cent market share.

To be fair, individuals seemingly should pay premiums based on their lever of risk, not just the average level of risk.

Such plans tend to offset lower premiums with higher annual deductibles.

Earnings premiums for completing high school .

Generous land swaps and cheap premiums for re-zoning land use rights are common in Macao.

Article 12 Simple life insurance carriers may not take legal action to get the insured to pay premiums.

That is the main reason why risk premiums on government bonds have widened, setting up a vicious circle.

Health insurance premiums have grown four times faster than wages.

Keep your credit rating in good shape. A poor credit rating leads to higher premiums.