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Death spiral is a condition where the structure of insurance plans leads to premiums rapidly increasing as a result of changes in the covered population. It is the result of adverse selection in insurance policies in which lower risk policy holders choose to change policies or be uninsured. The result is that costs supposedly covered by ...
Graveyard spiral; Spiral dive; Death spiral (figure skating), an element of pair skating; Death spiral (insurance), an insurance plan whose costs are rapidly increasing; Death spiral financing; Ant mill, a behavioral phenomenon in ants; Death Spiral, a 1989 novel by John Ballem "Death Spiral", a song by Dirty Projectors from Dirty Projectors
Adverse selection was first described for life insurance. It creates a demand for insurance which is positively correlated with the insured's risk of loss. [3] For example, overall, non-smokers have a much lower risk of death than smokers of the same age and sex.
State insurance regulators have issued a consumer alert about the industry practice of retaining death benefit funds rather than paying them in a lump sum. The National Association of Insurance ...
Drew Hallowell/Getty Images JD Vance warned recently of a "death spiral" in the US bond market. Vance's concerns are tied to the US servicing its $35 trillion debt load.
“And a debt spiral is like a death spiral.” Currently the American national debt stands at $34.14 trillion —about $100,000 for every person in the U.S.—with the debt ceiling currently ...
Death spiral financing is the result of a badly structured convertible financing used to fund primarily small cap companies in the marketplace, causing the company's stock to fall dramatically, which can lead to the company's ultimate downfall.
Accidental death and dismemberment (AD&D) insurance provides coverage if you lose a limb or your death is the result of an accident. Between AD&D and term life, term life covers more causes of death.