Brent Radcliffe

Brent Radcliffe

Brent Radcliffe is a digital analyst with a software company based in the Washington, DC area. He is a graduate of the University of Florida with a degree in International Economics, with minors in both French and International Relations. Radcliffe is a freelance writer covering topics related to economics, trade and investing.

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  1. Term

    Premium to Surplus Ratio

    Net premiums written divided by policyholders’ surplus. The premium to surplus ratio is used to measure the capacity of an insurance company to underwrite new policies.
  2. Term

    Combined Ratio

    A measure of profitability used by an insurance company to indicate how well it is performing in its daily operations. It is the sum of the loss ratio, expense ratio, and policyholder dividend ratio for ...
  3. Term

    Overall Liquidity Ratio

    A measurement of a company’s capacity to pay for its liabilities with its assets.
  4. Term

    Reinsurance Recoverables to Policyholder Surplus

    The amount of incurred losses covered by reinsurers compared to policyholders’ surplus.
  5. Term

    Losses Incurred

    Benefits paid to policyholders during the current year, plus changes to loss reserves from the previous year.
  6. Term

    Total Annual Loan Cost (TALC)

    The projected total cost that a reverse mortgage holder should expect to pay over the life of the loan.
  7. Term

    Concurrent Periods

    A period of time in which more than one injury or disability affects a temporary disability policyholder.
  8. Term

    Member Month

    The number of individuals participating in an insurance plan each month.
  9. Term

    Premium Balance

    The amount of premium that is owed to an insurer for a policy, but which has not yet been paid by the policyholder.
  10. Term

    Pre-Existing Condition Exclusion Period

    A health insurance benefit provision that places limits on benefits or excludes benefits for a period of time for a medical condition that the policyholder had prior to enrolling in a health plan.
  11. Term

    Net Premiums Written To Policyholder Surplus

    A ratio of an insurance company’s gross premiums written less reinsurance ceded to its policyholders’ surplus.
  12. Term

    Net Liabilities To Policyholders' Surplus

    The ratio of an insurer’s liabilities, including unpaid claims, reserve estimation errors, and unearned premiums, to its policyholders’ surplus.
  13. Term

    Chartered Property Casualty Underwriter (CPCU)

    A professional credential earned by individuals who specialize in risk management and property-casualty insurance.
  14. Term

    Lloyds Organizations

    An insurance syndicate that bases its organizational structure on the one used by Lloyd’s of London.
  15. Term

    Qualifying Event

    An event that triggers a change in a policyholder’s insurance coverage.
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