[ad_1] Premium efficiency is a design standard for electric motors that aims to reduce energy consumption and carbon dioxide emissions. The highest performance grade is IEC IE3, awarded to motors that exceed horsepower output expectations. Efficiency is calculated by comparing usable shaft power to electrical energy used, and expressed as a percentage. The required efficiency […]
[ad_1] Premium auditors assess insurance risk and assist in setting premiums for insurance products. They work closely with underwriting and loss prevention departments and may also have administrative duties related to human resources. A premium auditor often works with high-dollar projections for insurance risk in order to help an insurance company or other employer manage […]
[ad_1] Insurance premium refunds are given when a person cancels their insurance policy before its end date. Refunds are not given if the policy has been used, and a written request is required to receive a refund. Eligibility for a refund varies based on the type of insurance policy. An insurance premium refund is when […]
[ad_1] A premium raid is when a company attempts to gain control of another by purchasing a large block of its stock at a price above market value. This is usually done as part of a hostile takeover and regulations require companies to disclose their motives. Shareholders may resist and a “white knight” investor may […]
[ad_1] Governments may impose an insurance premium tax on companies that receive premium payments from customers, which can vary widely but is typically low. Insurance companies face strict regulations, and taxes may limit the number of policies sold. Companies must file with the government and may need to add new procedures for collecting and reporting […]
[ad_1] Default risk premium is the compensation paid to an investor for investing in a security that may default on its payment obligations. It is determined by subtracting the risk-free return from the average return for securities of the same type, and can be influenced by a security’s volatility. Investors typically require a default risk […]
[ad_1] A deposit premium is a refundable insurance premium that is paid at the beginning of a policy term to establish commercial property or liability coverage. The initial deposit provides coverage to the client, and the premium balance is returned if the agreement is terminated. The annual premium may be adjusted based on exposure and […]
[ad_1] A deposit premium is a refundable insurance premium that is offered by the insured at the start of a policy term, providing coverage even without an established history. The initial deposit is evaluated based on the applicant’s situation and is returned if the agreement is terminated. The premium can be adjusted based on exposure […]
[ad_1] Long-term investments may come with a term premium, a rate of return that incentivizes investors to invest in illiquid assets. Short-term investments are more attractive to investors, who demand a term premium for long-term investments. Liquidity premiums are offered for illiquid assets. Long-term investments tend to be less risky. A term premium is a […]
[ad_1] A country risk premium is an increase in interest rates to attract investors due to the higher risk associated with investing in a specific nation. It fluctuates based on political, economic, and external factors and can be factored into investment calculations. A country risk premium reflects the higher risk associated with investing in a […]
[ad_1] The inflation premium is used to calculate the normal rate of return on an asset or investment when the cost of goods and services increases over time. Inflation risk can have a significant impact on the value of investments, particularly those with a long horizon before maturity. The yield curve of an investment takes […]
[ad_1] An acquisition premium is an additional amount paid on top of the book value of an asset during a merger or acquisition. It can have tax implications for shareholders and may be adjusted during negotiations. The premium can sweeten a deal, but paying too much can lead to losses. An acquisition premium is an […]
[ad_1] Liquidity premium is the added value of a liquid investment due to its ease of conversion to cash, making it less risky for investors. Less liquid assets must offer higher returns or lower risk to compensate. Short-term bonds have a liquidity premium, resulting in higher interest rates than long-term bonds. Liquidity premium is a […]
[ad_1] Rent-to-own agreements allow potential homebuyers to pay rent while also having the option to purchase the home. A rental premium is an additional fee paid by the renter, which is subtracted from the purchase price if they decide to buy. If they don’t buy, the seller keeps the premium. A rental premium is a […]
[ad_1] Premium income is the money an insurance company receives from collecting premiums, which is one of their main sources of income. It must cover all expenses and claims, and is regulated by a governing body. Projections are made by the underwriting department to determine premium income for the year. Premium income generally refers to […]
[ad_1] A control premium is the amount a buyer is willing to pay over market value for a company’s shares to gain control. The premium varies based on factors such as commercial value, potential industry growth, and the buyer’s desire for control. Those aware of the premium can exploit it during a takeover attempt. A […]
[ad_1] The equity premium puzzle refers to the phenomenon where real returns on equity are much higher than government bonds, and experts disagree on whether it is a true mystery or a normal market response. The puzzle may be caused by factors such as investor perceptions or flawed risk aversion models, but there is no […]
[ad_1] Whole life insurance premiums are paid to a life insurance company in exchange for a fixed amount upon the death of the insured person. Factors like age, sex, health, lifestyle, and costs affect the premium. The carrier determines the premium based on actuarial analysis of mortality statistics and lifestyle factors. The premium includes the […]
[ad_1] Governments may tax insurance premiums received by businesses, which can vary from 5 to 10 percent. Insurance companies face strict regulations, including the premium tax, which can limit the number of policies sold. Companies must disclose policies sold, and tax rates can differ based on policy type. Insurance companies must add procedures for collecting […]
[ad_1] Premium waiver is a rider that can be added to an insurance policy, allowing the policy to continue even if the policyholder loses income. It may be included in life insurance and disability insurance policies, but restrictions may apply. It is important to understand the terms and conditions associated with the rider and shop […]
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