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Longman Dictionary of Contemporary English
an insurance premium (=money that you pay regularly to an insurance company)
▪ Your insurance premium is payable when you make your holiday booking.
insurance premium
premium bond
premium rate
▪ If high value loads are carried regularly, an appropriate annual premium should be sought.
▪ Sales of unit trusts and personal equity plans declined by 63 percent to 36 million pounds. Annual premiums for Mercantile&038;.
▪ On an annual premium of, say, £180.00 the credit charge per month works out at 90p.
▪ Single premiums sales have since dwindled. Annual premium sales fell 24 percent.
▪ Since then my annual premium has risen steadily, from £97.98 to £1793.45 in 1992 - a rise of 1700%.
▪ Royal Bank currently generates C $ 335 million in annual premiums from the sale of creditor life and disability insurance.
▪ Wheel clamps aren't on the list yet, but it's still worth asking for a few quid off your annual premium.
▪ His solution was to come up with the first table of annual premiums based on life expectancy.
▪ On my car insurance I pay an extra premium for what is called no claim discount protection.
▪ We try and look at the risk to see if it warrants an extra premium.
▪ Furthermore, the very frequency of legislative change caused a higher premium to be placed on the flexibility of any computer system.
▪ For an age that put a high premium on human imagination, this was important.
▪ By late last year, despite investing even higher premiums, the estimate had slipped to £550,000 - a substantial fall.
▪ These networks put a high premium on education and formed a strong protective shield for those who had gone far from home.
▪ In addition, older pensioners may get a slightly higher premium, marginally increasing their total weekly amount.
▪ We have a very high premium on courtesy, politeness, observing the social graces.
▪ Appropriate remedial action has been taken to secure higher premium levels on current business.
▪ Other kinds of work, Taylor found over the years, demanded higher premiums.
▪ By comparison, an Equitable Life 10-year endowment policy, with monthly premiums of £30, would have produced about £8,399.
▪ What is the monthly premium excluding all riders?
▪ In fact, it is considerably less than the £2,548.26 that the policyholder has paid in the form of monthly premiums.
▪ Choice of monthly premiums from your Bank current account or some types of Building Society account.
▪ With each monthly premium, you acquire more units.
▪ The values shown here are per £10 of monthly premium.
▪ In addition, a lot of fund managers impose a minimum monthly premium, typically between £20 and £50.
▪ Capital Choice, a single premium bond.
▪ Sales of single premium products dropped 8 percent to 2. 03 billion pounds.
▪ The single premium life assurance market was, over the past two years, dominated by the with profit bond.
▪ Before the price increase, the coffee cost of a single cup of premium was about 5 to 8.
▪ About half of personal savings are channelled into these institutions via regular and single premium life assurance and pension payments.
▪ Dealers thought it might need a substantial premium.
▪ It would put a substantial premium on smoothing out differences and working together to achieve the best environment for growing children.
▪ Certainly a substantial premium has been paid to acquire the shares - but will this affect the minority interest?
▪ The Marine account reported substantial premium growth following rating action.
▪ Palatine shareholders are being offered a significant increase in capital value and income, plus a substantial premium over net asset value.
▪ The Marine account continued to benefit from rating action and again reported substantial premium growth.
▪ However, Merrill Lynch is running the risk of suffering a substantial loss if the market price holds on to any substantial premium.
▪ The lender will also charge a premium for risks, perceived by the lender, surrounding the project and the borrower.
▪ In this, insurers have to pool good and bad risks and charge a standard premium to all subscribers.
▪ The amounts which may be charged to share premium account are determined by the requirements of companies legislation. 91.
▪ There are good positions, centres of traffic, which are thus of high value and can command high premiums.
▪ In good times, properties in places such as Newton Ferrers, Sidmouth and Salcombe commanded a premium.
▪ Was it really possible to command such a premium price that one could recover the extra investment?
▪ He would also be expected to pay a premium to put an end to the chaos.
▪ Chief Executive Dietrich Karner said he expects premium income to rise nearly 2 percent this year.
▪ He expects premium producers to raise their prices another 3 to 5 percent this year.
▪ Several of them said they expect that insurance premiums will go down as the number of policyholders goes up.
▪ Analysts had expected premium income, which is revenue before commissions, to be unchanged from 1994.
▪ A free holiday does not include optional insurance premium.
▪ The most likely incremental reforms include insurance premium caps and price controls on hospitals, doctors and pharmaceuticals.
▪ Next, the issue of whether the return on a futures contract includes a risk premium is examined.
▪ It would be necessary to increase the insurance premium.
▪ We have been told that we will have to pay for these awards ourselves, through increased premiums.
▪ The Congressional Budget Office estimates that full parity would increase premiums by 4 percent.
▪ Your insurer may recommend increasing your premiums, but again, you should stand firm.
▪ It now also includes politically daring proposals to increase premiums for the very highest income beneficiaries and raise the Medicare eligibility age.
▪ This has had the effect of increasing the premiums paid by doctors for medical insurance.
▪ You, the citizen, must pay for these awards in increased premiums, their advertisements say.
▪ Naturally, it is always our aim to keep our premium rates as competitive as possible.
▪ Does she keep the insurance premiums up?
▪ Intense competition in the market has kept premiums low.
▪ For example, you may want to cover only part of the loan, in order to keep down premiums.
▪ A new Community Action programme will offer a £10 premium on top of benefits for up to 60,000 long-term jobless joining part-time voluntary work schemes.
▪ Hagafen Cellars of the Napa Valley will offer a selection of premium kosher wines.
▪ Some insurance companies, for example, have offered competitive premiums to older drivers who have a clean driving record.
▪ But growing interest in high-quality food suggests that those offering a premium product can find a niche market.
▪ It operates via the regional electricity companies, which must pay a premium price for renewable energy.
▪ The difference is that he would pay the total premium costs to Medicare and leave out Medigap.
▪ In the next few years, consumers will be prepared to pay a small premium for real taste.
▪ And with supply limited, buyers may face paying hefty premiums above the $ 38, 000 base price.
▪ Until then, financial institutions had to pay a premium to obtain dollars from a restricted pool in order to invest finance overseas.
▪ People sending live video, which is useless if delayed, might pay a premium to ensure instant delivery.
▪ Up and down hill fences pose problems for the horse by placing a premium on balance and impulsion.
▪ When the top leader places that kind of premium on seamless communication and openness, it sets the tone for everyone.
▪ Both personally, and in his political philosophy, Hobbes placed a high premium on peace and stability.
▪ Barbara, as usual, seemed to be placing a premium on maintaining her composure.
▪ This now places the highest premium on the individual player as the element most likely to win the tournament.
▪ A shortage of females puts an equivalent premium on daughters.
▪ For an age that put a high premium on human imagination, this was important.
▪ International book-building puts a premium on intermediaries' experience and ability to sell to 300-odd investing institutions around the world.
▪ These networks put a high premium on education and formed a strong protective shield for those who had gone far from home.
▪ And in fact, the isolation and weakness of the radical milieu put a premium upon commitment to an unqualified Utopia.
▪ They were affluent, but they put absolutely no premium on education.
▪ It would put a substantial premium on smoothing out differences and working together to achieve the best environment for growing children.
▪ In my own garden, I put a premium on fresh greens.
▪ Neither can they raise premiums if an existing customer takes a test which proves to be positive.
▪ He predicted that would be the fate of the proposal to raise premiums on higher-income elderly.
▪ For the reasons outlined below, we have had to raise our Contents premiums in certain areas of the country.
▪ Insurance companies raise premiums by up to 100 p.c. for holidays involving dangerous sports.
▪ Both Sotheby'sand Christie's raised their buyer's premium rates.
▪ There is to be no membership charge for the scheme, which will raise its revenue through premium telephone lines.
▪ But some questioned whether the insurance industry could be trusted to reduce premiums.
▪ The 100p represents a 21% premium on the closing price earlier in the week.
▪ The $ 15 a share buyout represented a 50 % premium to the price.
▪ Invariably such products are sold at a premium price quite unjustified by the cost of their components.
▪ However, I can not help but be amazed by the failure to set logical premiums.
▪ But insurers remain free to set premiums on the basis of several tests.
premium rate number/line/service
▪ Because of the high cost of providing and gathering this information, Climbline would not exist were it not a premium rate service.
▪ Choice has not been considered in premium rate services.
▪ That is certainly true in the context of telecommunications and, more specifically, in premium rate services.
Premium costs around $1.35 a gallon.
▪ Farmers are being offered a premium for organically grown vegetables.
▪ We pay over $1200 in annual car insurance premiums.
▪ Businessure is aimed at businesses with a turnover of up to £1m and generally involving premiums of up to £5,000 perannum.
▪ For an age that put a high premium on human imagination, this was important.
▪ Let the self-correcting nature of automation strain to find the optima which let only the premium through.
▪ Neither can they raise premiums if an existing customer takes a test which proves to be positive.
▪ Private motor business remains very competitive but it has been necessary to apply further selective premium increases.
▪ Risk of unexpected changes in default premium.
▪ That being the case, the company had been taking his premiums without assuming any actual risk.
▪ Yields also were lowered on the noncallable serial bonds due in 2013-2016, which were priced at a premium.
premium-quality wine
▪ The cable company offers both standard and premium services.
The Collaborative International Dictionary

Premium \Pre"mi*um\, n.; pl. Premiums. [L. praemium, originally, what one has got before or better than others; prae before + emere to take, buy. See Redeem.]

  1. A reward or recompense; a prize to be won by being before another, or others, in a competition; reward or prize to be adjudged; a bounty; as, a premium for good behavior or scholarship, for discoveries, etc.

    To think it not the necessity, but the premium and privilege of life, to eat and sleep without any regard to glory.

    The law that obliges parishes to support the poor offers a premium for the encouragement of idleness.

  2. Something offered or given for the loan of money; bonus; -- sometimes synonymous with interest, but generally signifying a sum in addition to the capital.

    People were tempted to lend, by great premiums and large interest.

  3. A sum of money paid to underwriters for insurance, or for undertaking to indemnify for losses of any kind.

  4. A sum in advance of, or in addition to, the nominal or par value of anything; as, gold was at a premium; he sold his stock at a premium.

Douglas Harper's Etymology Dictionary

c.1600, "reward given for a specific act," from Latin praemium "reward, profit derived from booty," from prae- "before" (see pre-) + emere "to buy," originally "to take" (see exempt (adj.)). Insurance sense is 1660s, from Italian premio. Adjectival sense of "superior in quality" is first attested 1925, originally in reference to butter.


a. superior in quality; higher in price or value. alt. superior in quality; higher in price or value. n. 1 A prize or award. 2 Something offered at a reduced price as an inducement to buy something else. 3 A bonus paid in addition to normal payments. 4 The amount to be paid for an insurance policy. 5 An unusually high value. 6 (context finance English) The amount by which a security's value exceeds its face value.

  1. n. payment for insurance [syn: insurance premium]

  2. a fee charged for exchanging currencies [syn: agio, agiotage, exchange premium]

  3. payment or reward (especially from a government) for acts such as catching criminals or killing predatory animals or enlisting in the military [syn: bounty]


adj. having or reflecting superior quality or value; "premium gasoline at a premium price"


Premium may refer to:

  • Premium (marketing), a promotional item that can be received for a small fee when redeeming proofs of purchase that come with or on retail products
  • Risk premium, the monetary difference between the guaranteed return and the possible return on an investment
  • Premium segment / Premium pricing high-price brands or services in marketing, e.g.:
    • Premium television, a class of subscription-based television service
    • Premium station, a class of railway stations on Metlink in Melbourne
    • Premium Outlets, a brand of shopping malls
    • Premium-Cola, a brand of cola from Germany
    • Premium Internet from Virgin Media
    • Premium lager
    • Premium-rate telephone number
  • Premium Saltines, a Nabisco brand of saltine crackers
  • Premium tax credit, a refundable tax credit in the United States, part of a host of Affordable Care Act tax provisions
  • Insurance premium
    • Deposit premium
  • Premium Bond, a type of bond available in the United Kingdom
  • a grade of gasoline with the highest octane rating
  • Buyer's premium, a charge to be paid in addition to the cost of an item
  • Premium (film), a 2006 film starring Dorian Missick and Zoe Saldana
Premium (film)

Premium is a 2006 romantic comedy-drama film written and directed by Pete Chatmon.

Premium (marketing)

Premiums are promotional items — toys, collectables, souvenirs and household products — that are linked to a product, and often require box tops, tokens or proofs of purchase to acquire. The consumer generally has to pay at least the shipping and handling costs to receive the premium. Premiums are sometimes referred to as prizes, although historically the word " prize" has been used to denote (as opposed to a premium) an item that is packaged with the product (or available from the retailer at the time of purchase) and requires no additional payment over the cost of the product.

Premiums predominantly fall into three categories, free premiums, self-liquidating premiums and in-or on-package premiums. Free premiums are sales promotions that involve the consumer purchasing a product in order to receive a free gift or reward. An example of this is the ‘buy a coffee and receive a free muffin’ campaign used by some coffee houses. Self-liquidating premiums are when a consumer is expected to pay a designated monetary value for a gift or item. New World’s Little Shopper Campaign is an example of this: consumers were required to spend a minimum amount of money in order to receive a free collectible item. The in-or out-package premium is where small gifts are included with the package. The All Black collectors’ cards found in Sanitarium Weet Bix boxes are a good example of this.

A successful premium campaign is beneficial to a company as it aids in establishing effective consumer relationships. A good campaign will:

  • strengthen early-stage consumer relationships
  • encourage continued repeat business
  • assist with targeting a specific audience or cohort of your target market
  • create an emotional connection with your consumer by serving as a motivational driver to investigate further or purchase a product.

It’s also important not to confuse premiums with other forms of sales promotions as there are a number of ways in which retailers can entice consumers.

Usage examples of "premium".

The millwrights and other trades were offering a premium on emigration, to induce their hands to go away.

UNITED STATES FOREST SERVICE: It is evident that the old method of taxing forest property, as well as other property, at its supposedly full value will, as the value of timber increases and is recognized, put a premium on premature and reckless cutting, and will hinder any effort to reforest cut-over lands.

Thus, a foreign insurance company which, after revocation of its entry license, continued to collect premiums on policies formerly issued to citizens of the forum State was in fact continuing to do business in that State sufficiently to render service on it through the insurance commissioner adequate to bind it as defendant in a suit by a citizen of said State on a policy therein issued to him.

The piece was telegraphic: undernamed no longer carried on major medical group policy number XXX because of failure to pay premium during previous period.

The results: Within the Quick Chek chain of stores, Durling Farms Premium ice cream outsold the national brands in the first year.

It certainly carried the kind of historic pedigree that would please a British-Canadian lord, it was widely held with no control blocks that would have demanded premium prices, and it was a well and conservatively managed enterprise, ideal for the Thomson habit of acquiring companies that turned decent profits without requiring day-to-day involvement.

No dollar premiums to worry about, or other such hurdles set up by grasping governments.

Wild Oats and Whole Foods, which are thriving despite charging premium prices for organic and prepared foods.

The designated schmoozer developed a game plan that included attendance at specific events, a letter-writing campaign to customers with premiums .

He had sold the family sawmills back East at a time when their timber holdings were at a premium, then used the proceeds to get into and out of Sunbelt real estate at precisely the right times.

I wish to so alter it as to put a premium on intelligence and character, and close the jury box against idiots, blacklegs, and people who do not read newspapers.

A privileged conversation with the president of Universal Emulators, a surrendering of his employee insurance premium and I would not even be history.

Hence the tendency in these productions, and in medical lectures generally, to overstate the efficacy of favorite methods of cure, and hence the premium offered for showy talkers rather than sagacious observers, for the men of adjectives rather than of nouns substantive in the more ambitious of these institutions.

Books are available at special quantity discounts for bulk purchases for sales promotions, premiums, fund raising or educational use.

There is also the problem that access to telescopes is always at a premium and historically measuring red shifts has been notably costly in telescope time.