Insurers set a standard price for each adult for the year for a given region of the country and have to insure all people who apply for insurance at that price regardless of the age or health status of the applicant.

Insurers will often use insurance agents to initially market or underwrite their customers.

Insurers often compete by their choice of service offerings, cost sharing requirements, and limitations on physicians.

In the report, the differing roles of insurers and banks in the global financial system and their impact on the crisis are examined ( See also CEA report, " Why Insurers Differ from Banks ").

The American Council of Life Insurers reported that 75 % of the Fortune 500 companies provide some level of remedial training for their workers.

Insurers consider credit report information in their underwriting and pricing decisions as a predictor of profitability and risk of loss.

Insurers use actuarial methods to calculate appropriate premiums, which is similar to calculating gambling odds.

Insurers start investing insurance premiums as soon as they are collected and continue to earn interest or other income on them until claims are paid out.

* Cost Disclosure of Terrorism Coverage: Insurers must disclose terrorism insurance premiums and the existence of the federal backstop.

Insurers may break down a policy into 2 components, the term insurance portion ( the net amount at risk ) and the cash value ( the guaranteed amount ).

The Company was founded and became a Livery Company in 1979, on the same day as the Insurers ' Company.

Other organisations such as the CEA and the Property Casualty Insurers Association of America ( PCI ) have issued reports on the same subject.

Insurers must cope with adverse selection which occurs when they are unable to fully predict the medical expenses of enrollees ; adverse selection can destroy the risk pool.

* Motor Insurers ' Bureau, a British company which deals with uninsured compensation claims

The vehicle record system is currently linked to the Motor Insurance Database ( maintained by the Motor Insurers Bureau ) which can confirm if an insurance policy is on the vehicle and the details of such policy such as named drivers, policy dates, policy number and insurance company.

Insurers make money in two ways:

Insurers do not cover these because they feel they do not need to since the NHS already provides coverage and to provide the choice of a private provider would make the insurance prohibitively expensive.

Insurers may refuse to make payments on STOLI arrangements.

Insurers attempt to address carelessness through inspections, policy provisions requiring certain types of maintenance, and possible discounts for loss mitigation efforts.

The Association of British Insurers ( gathering 400 insurance companies and 94 % of UK insurance services ) has almost 20 % of the investments in the London Stock Exchange.

According to the Association of British Insurers ( ABI ), a typical policy will exclude the following: going to a general practitioner ; going to Accident and Emergency ; drug abuse ; HIV / AIDS ; normal pregnancy ; gender reassignment ; mobility aids, such as wheelchairs ; organ transplant ; injuries arising from dangerous hobbies ( often called hazardous pursuits ); pre-existing conditions ; dental services ; outpatient drugs and dressings ; deliberately self-inflicted injuries ; infertility ; cosmetic treatment ; experimental or unproven treatment or drugs ; war risks.

In the event that the employer is insolvent or no longer in existence Compensation can be sought directly from the insurer under the terms of the Third Party Rights Against Insurers Act of 1930.

Insurers seek to spread the coverage over a wider geographic area than as with other aggregate perils, such as flood.

Insurers use several techniques to limit the costs of moral hazard, including imposing copayments on patients and limiting physician incentives to provide costly care.

The Insurance Hall, on Aldermanbury, is the home of the Worshipful Company of Insurers.

The Worshipful Company of Insurers is one of the 108 Livery Companies of the City of London.

The Insurers ' Company ranks 92nd in the Companies ' order of precedence.

Dorgan is married to the former Kimberly Olson, an Executive Vice President and lobbyist for The American Council of Life Insurers.

In 2006 Johnson took the position of Deputy Chair on the Customer Impact Panel, an Association of British Insurers organisation dedicated to improving the customers ' experience of the insurance industry.

Some of the firm's clients include the American Petroleum Institute, Anheuser-Busch, Chrysler, Teva Pharmaceuticals, the American Council of Life Insurers, the American Medical Association, and VISA.

The Motor Insurers ' Bureau ( MIB ) compensates the victims of road accidents caused by uninsured and untraced motorists.

It is a member of the Association of British Insurers and is regulated by the Financial Services Authority.

Insurers enrolled in the JER scheme who have to pay earthquake claims to homeowners share the risk among themselves and also the government, through the JER.

Canadian Insurers experienced some financial difficulties through the late 1980s, continuing on into the 1990s.

They recognized that slavery was a moral issue and not merely an economic interest, and that to recognize it explicitly in their Constitution would be in explosive contradiction to the concept of sovereignty they had set forth in the Declaration of 1776 that `` all men are created equal, that they are endowed by their Creator with certain unalienable rights, that among them are life, liberty and the pursuit of happiness.

Mother and son recognize each other and, in Mann's version of this legend, make a remarkable confession of guilt to each other, the confession of unconscious motive and unconscious knowledge of their true identities from the time they had first set eyes on each other.

The pamphlets are about law, the corporation, forms of government, the idea of freedom, the defense of liberty, the various lethargies which overtake our major institutions, the gap between traditional social ideals and the working mechanisms that have been set in motion for their realization.

So when textbooks, like that of Baker set out drawings of the ' Ptolemaic System ', complete with earth in the center and the seven heavenly bodies epicyclically arranged on their several deferents, we have nothing but a misleading 20th-century idea of what never existed historically.

You probably would not remember, since you never seemed to remember even the same moments as I, much less their intensity, one sunny midday on Fifth Avenue when you had set out with me for some final shopping less than a week before the wedding you staged for me with such reluctance at the Farm.

they set limits to their aspirations -- few aspire to millions of dollars or to `` imperial '' power and glory.

In particular he sought the gentle, sweet-faced nuns, with head coverings and veils coming to the middle of their foreheads, remembering their expressions until he reached home and set them down on paper.

The purchase was effected and they made their way towards the hotel again, the hen, with whom some sort of communication had been set up, nestling in the doctor's arms.

At 7:25 two hotel doormen came thumping down the steps, carrying a saw-horse to be set up as a barricade in front of the haberdashery store window next to the entranceway, and as I watched them in their gaudy red coats that nearly scraped the ground, their golden, fringed epaulets and spic, red-visored caps, I suddenly saw just over their shoulders Jessica gracefully making her way through the crowd.

Open societies can take many forms, and within very broad limits recipients must be free to set their own goals and to devise their own institutions to achieve those goals.

The extent to which we can persuade the less developed countries to appraise their own resources, to set targets toward which they should be working, to establish in the light of this forward perspective the most urgent priorities for their immediate attention, and to do the other things which they must do to help themselves, all on a realistic long-term basis, will depend importantly on the incentives we place before them.

Demand for parts for home entertainment was strong in the first half, but purchases were cut back to lower levels during the fall as set manufacturers reduced their own operating rates.

They can be effective, however, if their members set high standards for candidates and devote substantial time to the work.

Dr. Wilson C. Grant, of the Veterans' Administration Hospital, Coral Gables, Florida, and the University of Miami School of Medicine, set out to discover if avocados, because of their high content of unsaturated fatty acids, would reduce the cholesterol of the blood in selected patients.

Before the Juniors entered the ring the Steward announced that after all Juniors had moved their dogs around the ring and set them up, they could relax with their dogs.

The Rio Grande KC is also considering having their Junior Classes set up so that Juniors can qualify with points for Westminster.

When improvements are recommended in working conditions -- such as lighting, rest rooms, eating facilities, air-conditioning -- do you try to set a measure of their effectiveness on productivity??

It was all set up so there would be no dust anywhere and so that their children would color in the coloring room, paint in the painting room, play with blocks in the block house, and do all the other things in the proper rooms at exactly the right time.