Since insurance also enjoys some tax benefits, utilizing insurance investment products may be a critical piece of the overall investment planning.

# Large number of similar exposure units: Since insurance operates through pooling resources, the majority of insurance policies are provided for individual members of large classes, allowing insurers to benefit from the law of large numbers in which predicted losses are similar to the actual losses.

Since 2007, auto insurance is mandatory in Panama.

Since World War II, successive Norwegian governments have sought to broaden and extend public benefits to its citizens, in the form of sickness and disability benefits, minimum guaranteed pensions, heavily subsidized or free universal health care, unemployment insurance, and so on.

Since 1999, the public health scheme has been supplemented by a Private Health Insurance Rebate, where the government funds at least 30 % of any private health insurance premium covering people eligible for Medicare.

Since many people are willing to buy insurance for many reasons, then clearly the EOL alone is not the perceived value of avoiding the risk.

Since he had been without health insurance for some time, he was not on the appropriate medications and his mental disabilities are believed to be the cause of his actions.

" Since the start of FDIC insurance on January 1, 1934, no depositor has lost any insured funds as a result of a failure.

Since the enactment of the Federal Deposit Insurance Corporation Improvement Act of 1989 ( FDICIA ), all commercial banks that accept deposits are required to obtain FDIC insurance and to have a primary federal regulator ( the Fed for state banks that are members of the Federal Reserve System, the FDIC for " nonmember " state banks, and the Office of the Comptroller of the Currency for all National Banks ).

Since most other forms of income are taxable ( such as capital gains, dividends and interest income ), consumers are often advised to purchase life insurance policies to either offset future tax liabilities, or to shelter the growth of their investments from taxation.

Since the mathematics required to compare different strategies is quite complex, most consumers defer to an accountant or life insurance agent for advice.

Since January 1, 2008 the Debt office handles the Swedish deposit insurance, which 1996-2007 was handled by a separate governmental agency.

Since 14 January 2005 The FSA ( Financial Services Authority ) have also been regulating the Motor Industry, applicable when insurance products have been sold in conjunction with the vehicle purchase.

Since insurance also enjoys some tax benefits, utilizing insurance investment products may be a critical piece of the overall investment planning.

Since multiple-line policies began to be written ( insurance contracts covering several types of risks ), the last two began to merge.

Since she had no health insurance, her illness wiped out her finances, forcing her to sell her home.

Since 1974 " he worked as a shipping and insurance consultant ", and held directorships in various international companies:

Since they were first introduced by organized labor and the Department of Labor in the early 1950s, and first issued in a Revenue Ruling by the IRS in 1956, SUB-Pay Plans have enabled employers to supplement the receipt of state unemployment insurance benefits for employees that experience an involuntary layoff.

Since 1939, it has been compulsory to have third party personal insurance before keeping a motor vehicle in all federal states of Germany.

Since insurance policies are standard forms, they feature boilerplate language which is similar across a wide variety of different types of insurance policies.

Since international law has no established compulsory judicial system for the settlement of disputes or a coercive penal system, it is not as straightforward as managing breaches within a domestic legal system.

Since independence, with Jaja Wachuku as the first Minister of Foreign Affairs and Commonwealth Relations, later called External Affairs, Nigerian foreign policy has been characterized by a focus on Africa as a Regional power and by attachment to several fundamental principles: African unity and independence ; Capability to exercise hegemonic influence in the region: peaceful settlement of disputes ; nonalignment and nonintentional interference in the internal affairs of other nations ; and regional economic cooperation and development.

Since the establishment of the United Arab Emirates in 2 December 1971, UAE adopted a balanced foreign policy based on adoption of dialogue, respect of international conventions, commitment to the United Nations Charter and non-interference of other country's internal affairs, and the settlement of disputes by peaceful means.

Since the essential requirements for cave life were probably already present prior to the settlement of these habitats, this may be described as exaptation.

Since human settlement many placental mammals have been introduced to Australia and are now feral.

Since August 1746 talks had been ongoing at the Congress of Breda to try and agree a peace settlement, but up to this point they had met with little success.

Since the settlement is a heavy tax on the profits of the tobacco industry in the US, regressive against smokers, and further settlements being made only add to the financial burden of these companies, it is debatable if the industry has a money-producing long term outlook.

Since Vaceti is another name for the Vascones, this reference is evidence of Basque ( Gascon ) settlement or control of the islands by that date.

Since European settlement, Baton Rouge has been governed by France, Britain, Spain, Louisiana, the Florida Republic, the Confederate States, and the United States.

Since the first settlement by the British in 1625, through history the economy of Barbados was primarily dependent on agriculture.

Since elm wood had few uses before the 20th century, many elms were left standing, and continued to grow, as forestland in its range was cleared for farming or settlement.

Since 1997 it has received cuts in its grant-in-aid settlement, resulting in a real terms reduction of £ 130m.

Since January 2003, each Akhiok shareholder received $ 200, 000 from sales of a $ 36 million trust fund provided in the Exxon Valdez oil spill settlement.

Since the settlement existed largely on land owned or sold by Smith Lapham, it became known as Laphamville.

Since the city was the oldest and most widely known settlement in the territory, Bellevue residents were optimistic.

Since Rankin was the nearest settlement on a rail line, it became the center for the oil services industry for the nearby oil fields.

Since World War II, the territory of Anagni has become an important industrial settlement, enriching the local economy at the expense of damage to local environment and Anagni's culture and tradition.

Since Portuguese settlement in Macau-dating from 1557-included a strong Catholic presence, a number of Chinese converted to Catholicism.

Since then, the town has absorbed the original settlement of Yorktown, which is now regarded as part of Camberley.

Since European settlement of Australia in 1788, people of Anglo-Celtic ancestral origins have comprised the majority of the Australian population.

Since the beginning of settlement in the mid nineteenth century, British honours were awarded in New Zealand.

Since the earliest days of settlement, the majority of Utah's population has chosen to settle along the range's western front, where numerous river drainages exit the mountains.

Since European settlement its numbers have increased, especially around coastal towns and cities where it can scavenge from urban waste.

Since the settlement of Miles City, at the mouth of the Tongue, and the related settlement of Sheridan, Wyoming, located approximately 125 air miles to the south there has been much discussion of a north-south railroad connecting the cities and corridored along the Tongue River valley.