And it does not serve as the determinate factor for private insurance either.

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One San Diego, California, bariatric surgeon's malpractice insurance has increased by a factor of four in the past year.

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Corporations should also use this opportunity to review their insurance coverage of losses due to cyber incidents, especially since the SEC has identified the extent and amount of insurance coverage as a risk factor to be considered in assessing whether to report.

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That, as far as the Eurocrats are concerned, leaves the third factor as the real insurance policy: political integration.

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If the deceased spouse would have been younger than Full Retirement Age when the surviving spouse is filing for benefits, the First Factor is reduced from the Primary Insurance Amount.

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"It can be said that, gee, if a plane crashes and that plane had to carry 10 percent more cargo because a company was increasing their stock to avoid a potential year-2000 crisis, (the insurance companies) can say that was a factor in the crash" and therefore refuse to pay.

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So if you're planning to buy a car on a tight or specific budget, you might want to factor in--along with fuel and insurance--the cost of repairing a vehicle when the warranty expires.

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It has come to the point where it is cheaper to rent - short-term and long-term - because you need to factor in the closing costs, maintenance, insurance, property taxes, all those kinds of things that you're not necessarily have to worry about when you rent.

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Another factor to consider is that AIG does more than insurance: It leases airplanes.

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And so we really didn't factor in a lot of the stuff that would come up, like homeowners insurance and paying for water and garbage and sewage and drainage, and it kind of just piled up on us.

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The runaway factor here is the fee-for-service reimbursement system that predominates in private and public insurance plans.

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Permitting the non-disclosure of a pivotal risk factor, such as a genetic-test result, would undermine one of the fundamentals of insurance.

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