He recommends independent brokers and agents not tied to specific insurance companies and plans.
Here is the specific problem: Insurance companies worry that young people, especially young men, already think they are invincible, and they are bewildered about the health-care reform in general and exchanges in particular.
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But, as Greenblatt told CNBC last year, by buying a basket of them, you diversify away the stock-specific risk much like an insurance company does with its clients.
Of course, with more choice comes more complexity: "Individual insurance is very market-specific, " says Hurley.
Completing the Orwellian circle, the proposed system also interacts with servers in the FDA and health insurance companies to gain information about specific food products or policy changes.
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Snowe has indicated her preference for a "trigger" provision that would mandate creation of a public health insurance option in the future if specific thresholds for expanded coverage and other changes were not met.
Officials should be aware that in the past several years insurance companies have begun to market specific computer policies that may provide first and third-party coverage for losses associated with cyber incidents, such as costs for data restoration, crisis response, privacy notification and forensic investigation, as well as defense and indemnification arising out of cyber incidents, and business interruption.
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Given the complexity of this specific vehicle, Mr. Harris recommends purchasing an insurance policy with a rate of return between 5% and 6.5%.
That can be done in two ways: by narrowing the scope of deposit insurance and by requiring banks to issue specific kinds of credibly uninsured debt.
Moreover, insurance policies and IRAs made payable to specific beneficiaries (as opposed to your estate) and bank or investment accounts made payable on death aren't part of your court administered "probate" estate.
Insurance companies have a pretty good idea of the risk of insuring a specific individual and property.
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.
Government regulations mandated that certain financial institutions, such as insurance companies and money market funds, invest only in securities rated by these specific three agencies as AAA, to protect the institutions from excessive risk.
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There are also insurance policies that provide coverage for most medical conditions but omit coverage for a specific pre-existing condition which can be a problem if that pre-existing condition is a cancer which might return in the future.
In the past, insurance companies have effectively considered being a woman a "pre-existing condition, " and the specific medical needs of women meant higher fees and less coverage.
Family offices are starting to employ art lawyers and art consultants, making their affluent clients more aware of the importance of valuation and insurance, but anyone who has art or collectibles worth more than a few thousand dollars needs to think about a specific policy floater to cover those valuables, because above that level, items are rarely covered on regular home contents insurance.
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