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The article discusses research which found that many Kiwi homes that are underinsured could lead to lower payouts for home rebuilding.

The article discusses the consequences of being under insured for the energy industry. It focuses on the economical development and the growing construction in the energy sector in several countries. The financial risks associated with such constructions is also mentioned. According to the article, an energy firm projects policyholder would only be able to recover a very small portion of the actual loss in case of a disaster during the period of construction activity.

Discusses the importance of reviewing the insurance coverage of business enterprises at least once a year. Reasons why a company should ensure that its insurance coverage is updated according to Tom McNabola, managing director of accounting Hunter Group; Consequences of being an underinsured business; Significant insurance policies that businesses should consider.

Reports on the results of the Commonwealth Fund Health-Care Opinion Leaders Survey emphasizing the need to reduce the proportion of medically-uninsured Americans by eight percent through 2015. View of experts that employer-sponsored coverage should continue to cover about two-thirds of individuals under age 65; Consensus of survey respondents that the proportion of individuals with health savings accounts would increase through 2015 by five percent.

Reveals that the most underinsured group in the U.S. is small business people. Increase in insurance premiums; Reinsurance problems of small businesses.

The article announces that insurance product Essentials by AAI earned recognition in the Best Innovative Insurance Product category of the 2016 Best of the Best Awards presented by "Money" magazine.

The article focuses on a study about the underinsurance of property risks. It mentions the challenge posed by underinsurance to the insurance industry in which 70% of global losses are uninsured, the increase in the gap between economic and insured losses after natural catastrophes, and the underinsurance of property for calamities other than natural disasters. It also notes the underinsurance of several high-growth markets relative to their economy size.

Statistics are given regarding the percentage of consumers noting the low credit union or bank product returns, the number of household who are underinsured in Canada, and the amount of life insurers paid in death benefits in 2014.

The article reviews the report "Underinsurance of Property Risks: Closing the Gap" published by Swiss Reinsurance Co. Ltd. (Swiss Re). Topics include the report conclusion that underinsurance of property risks is a global challenge as well as underinsurance due to global catastrophe risks rising steadily over the past 40 years. Also mentioned are modelling the global protection gap for natural catastrophes and reasons for underinsurance, such as risk perception and lack of trust in insurers.

The article discusses research report by insurer Aviva about low income protection and critical illness covers in Great Britain, possibility of failures for mortgage repayment or rent payment, and quotes managing director Louise Colley, Aviva on same and asking families to check financial health.

Highlights considerations for United States business owners on choosing an insurance policy for the business. Building-ordinance coverage; Blanket coverage; Underinsurance from rising replacement costs and increasing property values.

Discusses whole-life insurance. Types of people who could benefit from whole-life; Problems which can occur with whole-life, including underinsurance, undisclosed fees, unrealistic returns and losses for bailing out early; Comparing whole-life to term life; Buying the right amount of protection; Understanding the investment potential of whole-life. INSETS: Beware of insurance-agent scams;Should you dump your whole-life policy?.

Is the reinsurance sector overcapitalised, or is it instead a case of the world being underinsured? [ABSTRACT FROM AUTHOR]

The article offers information on the lender-placed insurance (LPI) products in conjunction with real estate owned (REO) coverages offered by banks. It refers to statement by Tom Elder, program manager at the insurance company All Risks Ltd. stressing the decline of inventory on the bank side. Elder discusses the intricacy attached with underinsurance terming it self-defeating triggered by cost-control. He also refers to significance of high prices for LPI following its risk profiles.

The article reports on the refusal of the University of Texas Medical Branch (UTMB) in Galveston to treat 91 percent of uninsured residents seeking medical care in the states. It highlights the report released by a nonprofit coalition, which indicates that the state-subsidized nonprofit teaching hospital turned down the uninsured people seeking care. Furthermore, the hospital has treated fewer and fewer uninsured residents since Hurricane Ike damaged the town in 2008.

The article blames the failure to reform the U.S. healthcare system for the lack of insurance of citizens or denial by insurance companies of the coverage or benefits of insured people. Estimates from studies show that there are at least 20,000 Americans of working age who die in a year due to lack of insurance or underinsurance. A research by the American Medical Association also revealed that between 2 and 5 percent of claims submitted to doctors are denied by the nation's largest insurance firms, including Golden Rule, Assurant and WellPoint.

The article presents comments from L. D. Britt, department of surgery chairman at Eastern Virginia Medical School, on several issues related to healthcare in the U.S. According to him, the U.S., known to be the wealthiest nation, has no reason to have one-third of its population either uninsured or underinsured. He emphasizes the need for public education concerning healthcare. He urges President Barack Obama's administration to push his cabinet officials to solve healthcare problems.

The article looks at issues concerning insurance and underinsurance in Australia. A 2005 report conducted for the Investment and Financial Services Association (IFSA) by Rice Walker Actuaries found that 60 percent of Australians with dependent children do not have sufficient life insurance to support their family for a year. To help consumers make informed decisions about insurance, IFSA is planning to launch a Web site with tools and fact sheets. Other research suggests Australians do not see the need for income protection insurance or life insurance.

The article discusses forecasts that more U.S. citizens will struggle to pay medical bills in the light of the worsening economy of the country. Insured households are increasingly among those considered at risk for financial distress from medical costs, an emerging demographic known as underinsured among health policymakers. For hospitals, the trend has accelerated efforts to collect from patients before treatment or adopt more sophisticated billing strategies.

The article reports on the increase in the number of underinsured adults in the U.S. as revealed by a Commonwealth Fund (CF) study. The study noted an increase from 16 million to more than 25 million of underinsured people between 2003 and 2007. Accordingly, the survey was done on adult ages 19 to 64 and was based on their out-of-pocket health care costs relative to their incomes.

The article examines a solution employed by Methodist Le Bonheur Healthcare to address the challenge of caring for uninsured patients in Memphis, Tennessee. Methodist has launched a program to link nonurgent emergency department patients with a community-based medical home in 2007. A tangible connection between the church and the health system resulted from the Congregational Health Network Partnership of the Methodist. The responsibilities of a navigator in the partnership are noted.

The author reflects on the emergence of uninsured people in the U.S. as an underclass. He notes the vulnerability of uninsured people to catastrophic health and financial outcomes and their limited opportunities for future growth. He points out that they lack the usual advocacy and political support that a large group would be able to access when faced with such a problem. He cites healthcare missions in the country as evidence of the seriousness of the issue.

The article reports on the underinsured patients in the U.S. Data reveals that the number of American adults with insufficient health insurance to cover their medical expenses between 2003 and 2007 increased from 16 million to more than 25 million people. It was found that underinsured were more likely to do without necessary healthcare and to have problems paying their medical bills than those with insufficient health insurance.

The author reflects on the need to address the healthcare cost problem in the U.S. before solving the crisis of the uninsured and underinsured. He states that although presidential candidate Senator Barack Obama favors containment, his words do not seem quite as heartfelt as his concern about the plight of the uninsured. On the other hand, another presidential candidate, Senator John McCain's plan centered on cost containment and a notable lack of heart when it comes to covering everyone.

The article offers news briefs related to several issues in the U.S. A new study by Consumer Reports says there is a good chance that an individual is health insured but underinsured. On the other hand, according to a Scottsdale, Arizona-based association for human resources professionals, World at Work, companies are, on average, planning to increase their salary budgets 3.9% in 2007 and in 2008.

The article focuses on auto-underinsurance coverage. It mentions some forms of insurance including workers'-compensation insurance, general-liability insurance, and automobile-liability insurance. It stresses that all forms of insurance do not offer direct protection to the business owner or family member injured in an automobile accident. It describes underinsurance as a simple way to control the odds and underinsurance coverage as a guarantee in the event of an automobile accident.

Deals with the plan of health systems in Minnesota and Utah to ease billing practices for uninsured patients. Details of the plan of Intermountain to cut interest rates on payment plans; Information on a memorandum of understanding signed by Intermountain; Hospitals involved in a deal announced on May 5, 2005.

Reports on the legal battle between Minnesota Attorney General Mike Hatch and not-for-profit Minnesota health system Fairview Health Services over issues associated with the billing and charity-care policy for under- and uninsured patients. Information on the result of the audit report on charity care, billing and executive compensations policies of Fairview by Hatch; Allegations against the debt collectors of the health system according to the report; Ruling of U.S. District Judge Ann Montgomery on the lawsuit alleging that the billing and collection practice for low-income patients of Fairview violated its charitable obligations.

Focuses on the problem of underinsurance in Australia. Life insurance rate of Australians according to a study conducted by DEXX&R; Risks associated with the assumptions of Australians that they will be able to continue to earn enough to cover debts and accumulate assets for their retirement; Factors that should be considered to determine the level of insurance protection needed by a family.

Deals with the benefits of investing in life insurance. Types of people who tend to be underinsured; Cost of increasing life insurance coverage incurred by couple Brad and Reneé Leach.

Reports that homeowners may be legally liable for underinsuring their homes. Minimum percentage of insurance coverage according to industry standards in Louisiana and other parts of the U.S.; Reminder for homeowners to consider coverage in terms of replacement value rather than market value.

The article reports on the problem for business owners who fails to consider and acquire the right insurance coverage for their businesses. It states that businesses which are inadequately and underinsurance may threaten the assets and income in the event a disaster occurs. It cites the Black Saturday bushfires in Victoria in 2009 that had killed 173 people, in which the non and underinsurance problem in Australia have been revealed.

The article discusses the growing trend of under insurance in the U.S. farming industry as highlighted by FBD Insurance. Accordingly, the company pointed that the cost of under insurance to the industry is potentially massive. It cites various factors that need to be examined in considering an insurance which include farm dwelling house and contents, farm outbuildings, implements and stock, employers and public liability, livestock, personal accident and motor insurance.