But if individuals can do tests from which insurance companies are barred, and if those who receive adverse genetic information then buy additional life insurance without disclosing the tests that they have taken, they are cheating other holders of life insurance. Premiums will have to increase to cover the losses, and those with a good genetic prognosis may opt out of life insurance to avoid subsidizing the cheats, driving premiums higher still.

As premiums rise, even more relatively healthy individuals will be encouraged to forego insurance until illness strikes, causing average costs and premiums to rise further.

The danger of default would disappear, as would risk premiums.

Debtor countries pay substantial risk premiums for financing their government debt.

Moreover, the premiums would provide price signals that would guide new construction.

Risk premiums widened, and the eurozone was divided into creditor and debtor countries.

If heavily indebted countries have to pay heavy risk premiums, their debt becomes unsustainable.

To cover the increased costs, they will have to raise premiums, making themselves uncompetitive.

Families lucky enough to have health insurance face annual premiums that have nearly doubled, to 7,500.

Insurance regulators are certainly well aware of the risk of future increases in homeowners insurance premiums.

That insurer stated that its insurance brokers were not required to collect and remit premiums during the period of Iraq's occupation of Kuwait and that, to the best of its knowledge, no insurance company in Kuwait collected premiums during that period.

Similarly, humans tend to accept large downside risks in order to avoid small certain losses, such as insurance premiums.

Since high risk premiums on government bonds endanger the capital adequacy of banks, half a solution is not enough.

When financial markets discovered that supposedly riskless government bonds might be forced into default, they raised risk premiums dramatically.

In 2002, Alberta Health Care Insurance Plan premiums were increased to cover a greater portion of health care costs.

Given the high risk premiums currently prevailing in Europe, this percentage is too low to constitute a level playing field.

Debtor countries pay substantial risk premiums to finance their debt, which is reflected in their high economy wide borrowing costs.

Perceptions of such divergences force considerable risk premiums on problem countries, inevitably resulting in accelerating capital flight to safe havens.

The Panel sought additional information as to whether insurance companies in Kuwait required policyholders to pay premiums during this period.

Intelligent cooperation that avoids moral hazard should be able to prevent panic, reduce risk premiums, and permit fuller use of resources.

Two insurers responded. Both confirmed the brokerage arrangements with the claimant, but only one addressed the issue of liability for premiums.

Those who are willing to engage often demand steep risk premiums that dramatically increase the cost of capital, often to usurious levels.

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

Risk premiums started rising above benign levels in 2009, and then more strongly in 2011 2012, while capital flight became rampant in 2011.

The insurance company Lloyds of London has now begun to fret that the absence of natural disasters is putting a squeeze on its premiums.

That is why risk premiums are continuing to fall in the eurozone, despite high political uncertainty in Italy and continuing large fiscal deficits elsewhere.

In 2004, the Medical Insurance Plan received total income of 3,754,260 from staff premiums and proportional contributions from UNHCR and 258,710 in interest earned.

German Chancellor Angela Merkel resisted all proposals to provide relief to Spain and Italy from the excessive risk premiums that both countries are now confronting.

As the authors point out, for insurers to even consider a long term policy they must have the freedom to charge premiums that reflects risk.

The premiums would be set so that there would be no reason for insurance companies to withdraw from the market in response to greater risk.

According to estimates by Robert Klein of Georgia State University, homeowners insurance premiums in Louisiana had already gone up by 70 between 1997 and 2005.

Cash benefits and income thresholds for the Alberta Seniors Benefit program have increased, and health insurance premiums for seniors have been eliminated effective October 2004.

To date, the premiums charged are small for an overnight loan of 100 million, even a one percentage point spread in the interest rate is only 3000.

New programs came into effect on April 1, 2005, which assist seniors with dental and optical premiums, and provide stability for the education portion of property taxes.

If premiums were paid in part by the country seeking insurance and matched by donor contributions, countries would have a powerful incentive to implement robust social protection programs.

She also asked about the level of insurance premiums and wondered whether the absence of employer contributions meant that the individuals concerned were required to make double payments.

In areas where scientists think that there is a likelihood that greater risks will prevail in coming years, high insurance premiums would provide a market incentive to curtail development.

As America sops up the world s savings to address its problems, as risk premiums soar, as global income, trade, and commodity prices fall, developing countries will face hard times.

Southern Europe, however, is pushing hard for a complete changeover to Eurobonds to get rid of the interest rate premiums relative to Germany that markets are demanding of them.

The beauty of the LTI plan proposed by Jaffee, Kunreuther, and Michel Kerjan is that it would allow market forces to determine long term (20 years or more) insurance premiums.

But the combination of emergency insurance and the wait to insure strategy would still be financially preferable for many individuals, and the number would grow as premiums are driven higher.

BRUSSELS The most visible symptom of the crisis in the eurozone has been the high and variable risk premiums that its peripheral countries now must pay on their public debt.

The reduction under the insurance for terrorism acts reflects market trends whereby premiums have demonstrated a downward trend since the initial adverse effect of the events of 11 September 2001.

In addition, the Standing Committee approved resources amounting to 131,000 for one General Service (Other level) post from extrabudgetary funding for processing the payment of premiums for after service health insurance.

That money ultimately comes from individuals and employers who pay it in taxes, insurance premiums, or direct payments, and should be intercepted somewhere between the payers and the health care delivery system.