Are you insured?

Aren't you insured?

Aren't you insured?

The baggage is insured.

I hope you're insured.

My house is fully insured.

I am insured for the car.

The house is insured against fire.

Tom's life is insured for three hundred thousand dollars.

The wait to insure option could cause the number of insured individuals to decline rapidly as premiums rise for those who remain insured.

In short, an overwhelming majority of Americans are insured, with government a major financer of health care.

It's a crying shame that they weren't insured against fire.

Clearly, the insured risks were a small part of the total risk.

Having access to insured credit, banks shareholders find it irresistible to borrow excessively.

But there remain about 54 million individuals who are not formally insured, and some insured individuals still face the risk of financially ruinous medical costs if they have very expensive medical treatment.

Many risks are gradually being added to the list of those that can be insured against.

The logic behind the separation was absolutely clear banks whose deposits were insured by the taxpayers should not be allowed to speculate with their depositors money.

Many of those who were insured discovered that clauses in their policies barred them from collecting full benefits.

Of course, we do not know for sure that these risks will mean higher insured losses in the future.

With livelihood insurance, a private insurer would pay a stream of income to a policyholder if an index of average income in the insured person s occupation and region declines substantially.

The cars are completely insured during the rental, and it gives drivers what they need, and what do they need?

All individuals over the age of 65 are eligible to be insured by the federal government through the Medicare program.

Many small savers place their savings in so called money market funds that pay a premium over ordinary federally insured deposits.

Then there are various derivatives, such as credit default swaps, through which banks holding Greek debt have insured themselves against non payment.

Tom couldn't get his car insured because he had had six accidents in three years, all of which had been his fault.

The resulting shift in enrollment away from low cost healthy patients to those with predictably high costs will raise insurance companies cost per insured person, driving up the premiums that they must charge.

Because runs on banks can trigger widespread distress, governments explicitly guarantee insured deposits and implicitly guarantee all the other debts of mega banks.

Some investors don t have a sufficient level of financial understanding and, when purchasing bearer savings certificates, may assume that their investments are insured.

If my bicycle is insured against theft, I might buy a cheaper lock for it, making it more likely that it will be stolen.

If they do they should be hedged or insured, or the business plan should be changed to avoid them, or VaR should be increased.

A strong version of the so called Volcker Rule (designed to force government insured banks to return to their core mission of lending) might work.

The problem is that private insurance markets do not work well when the buyer knows much more about what is being insured than the seller.

Remember that in America s Savings and Loan crisis of the late 1980 s, the government had to bail out those institutions, because their deposits were federally insured.

Applying this process to large banks and to financial institutions that are not formally banks and that do not have insured retail deposits sounds fine on paper.

It is no surprise that the big banks succeeded in stopping some essential reforms what was a surprise was a provision in the US Senate s bill that banned government insured entities from underwriting risky derivatives. Such government insured underwriting distorts the market, giving big banks a competitive advantage, not necessarily because they are more efficient, but because they are too big to fail.

If they are not insured in advance, they will face major hospital bills that could cause serious financial hardship or even cause them not to receive needed care.

Many emerging market policymakers view accumulation of foreign exchange reserves during the 2000 s as having insured their countries against exchange rate volatility and loss of export competitiveness.

Moreover, the member state s liability to the ECB would enjoy super seniority status and be insured by the European Stability Mechanism against the risk of a hard default.

Such government insured underwriting distorts the market, giving big banks a competitive advantage, not necessarily because they are more efficient, but because they are too big to fail.

The total insured property loss of Katrina, 34.4 billion according to an insurance industry estimate, even if expanded to represent uninsured losses, represents a miniscule fraction of world wealth.

Data presented by Roger Pielke in the Natural Hazards Review in February shows that actual insured losses caused by the most important hurricanes since 1900 followed a U shaped curve.

Moreover, innovation in financial markets has made it possible for securities owners to be insured, meaning that they have a seat at the table, but no skin in the game.

Deposit insurance creates what economists call moral hazard, people who are insured against an unpleasant event are not as careful as they would otherwise be in trying to avoid that event.

Moreover, much of that risk, even if insured, continues to be borne in Japan, rather than being spread effectively to foreign investors, so Japan is still alone in bearing the costs.

Deposit insurance creates what economists call moral hazard, people who are insured against an unpleasant event are not as careful as they would otherwise be in trying to avoid that event.