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But with shareholders now quicker than ever to sue a company at the slightest misstep, businesses are beginning to feel a pinch from their insurers in the form of premiums for directors and officers (D&O) liability insurance.
In recent weeks there has been talk about organizing a bail-out of the bond insurers in the form of large capital injections by Wall Street banks, who met last week with the New York State insurance superintendent to try to hammer out an arrangement.
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If the overall impact of direct to consumer advertising is limited or variable, then a substantial portion of expenditure on such advertising borne by governments, insurers, and patients in the form of higher costs or by companies as reduced profits may be better spent elsewhere.
According to the bureau, the insurers made the kickbacks in the form of separate insurance payments back to the mortgage lenders, called reinsurance.
Special vaccination campaigns were offered by 9 of the 68 health insurers considered, most frequently in the form of advice campaigns or a vaccination telephone number (7 in total).
To entice them back, the federal government began paying insurers a bonus every year in the form of overpayments.
A significant percentage of the insurance premiums homeowners paid to those insurers went right back to PHH in the form of reinsurance payments.
Representative Pete Stark, Democrat of California and chairman of the Ways and Means Subcommittee on Health, said insurers should "return those windfalls to enrollees in the form of reduced premiums".
The costs are passed on to insurers, who pass them on to employers in the form of higher premiums, who then pass them on to workers in the form of lower pay.This last point is not widely understood.
Insurers have been offering incentives to brokers in the form of so-called "contingent commissions"—money paid only if the broker places a certain amount of business with a particular insurer.Contingent conflictsSuch commissions are generally calculated by the volume of business sent by a broker to an insurer the more the better, regardless of whether it is in clients' interests.
Because of looming rate hikes, the North Star State had already provided relief to people who buy their health insurance plans directly from insurers or use the state's exchange, MNSure, in the form of rebates financed with $326 million in state money.
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