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  1. Annual Dividend (Insurance)

    In the insurance industry, an annual dividend is a yearly payment given by an insurance company to a policyholder.
  2. Medical Underwriting

    Medical underwriting is the process of assessing the risk associated with providing health insurance coverage.
  3. Implied Authority

    Implied authority refers to an agent with the jurisdiction to perform acts which are reasonably necessary to accomplish the ...
  4. Insurance Guaranty Association

    An insurance guaranty association protects policyholders and claimants in the case of an insurance company’s impairment or ...
  5. How to Launch a Wealth Management Firm

    Opening a wealth management firm is a complex process. By keeping these rules in mind, financial advisors can increase the ...
  6. Commutation

    Commutation refers to the rights of beneficiaries to exchange one type of income for another.
  7. Named Perils Insurance Policy

    A named perils insurance policy is a home insurance policy that only covers losses incurred to your property from hazards ...
  8. Rate On Line

    Rate on line is the ratio of premium paid to loss recoverable in a reinsurance contract.
  9. Ceding Company

    A ceding company is an insurance company that passes a part or all of its risks from its insurance policy portfolio to a ...
  10. Underwriting Expenses

    Underwriting expenses are costs and expenditures associated with underwriting activity.
  11. Undersubscribed

    Undersubscribed is a situation in which demand for IPO securities is less than the number of shares issued, also known as ...
  12. Cost Of Tender

    Cost of tender is the total charges associated with the delivery and certification of commodities underlying a futures contract.
  13. National Association of Insurance Commissioners (NAIC)

    National Association of Insurance Commissioners (NAIC) is a national organization whose main goal is to protect the interests ...
  14. Hammer Clause

    A hammer clause is an insurance policy clause that allows an insurer to compel the insured to settle a claim.
  15. Lead Underwriter

    A lead underwriter is usually an investment bank that organizes an IPO or a secondary offering for companies that are already ...
  16. Venture-Capital-Backed IPO

    A venture-capital-backed IPO refers to selling to the public of shares in a company that has previously been funded primarily ...
  17. Brought Over The Wall

    "Brought over the wall" is when a research employee of an investment bank comes over from the underwriting department to ...
  18. Actual Cash Value

    Actual cash value is the amount equal to the replacement cost minus depreciation of a damaged or stolen property at the time ...
  19. Accelerated Benefits

    Accelerated benefits refers to a clause in certain life insurance policies that enable the policy holder to receive the benefits ...
  20. Construction Occupancy Protection Exposure (COPE)

    COPE (Construction Occupancy Protection and Exposure) is a set of risks property insurance underwriters use to decide whether ...
  21. War Exclusion Clause

    A war exclusion clause in an insurance policy excludes coverage for acts of war such as invasion, insurrection, revolution, ...
  22. Longevity Risk

    Longevity risk is risk to which a pension fund or life insurance company could be exposed as a result of higher-than-expected ...
  23. Lloyd's Of London

    Lloyd's of London is a British insurance market where members join hands as syndicates to insure and spread risks of different ...
  24. Preparing for a Career as a Portfolio Manager

    Find out what it takes to win a spot in one of the most coveted financial careers, portfolio manager.
  25. Portfolio Insurance

    Portfolio insurance is hedging a portfolio through short selling or brokerage insurance like Securities Investor Protection ...
  26. Noncancellable Insurance Policy

    A noncancellable insurance policy can't be cancelled by an insurance company, nor can premiums be increased or benefits reduced ...
  27. Cut-Through Clause

    A cut-through clause is a reinsurance provision that lets a party, other than the ceding company and reinsurance company, ...
  28. Cash Value Accumulation Test (CVAT)

    Cash value accumulation test (CVAT) is a test for determining whether a financial product can be taxed as an insurance contract ...
  29. Boiler And Machinery (BM) Insurance

    Boiler And Machinery Insurance (BM) provides coverage for physical damage to and financial loss from equipment breakdown.
  30. Aggregate Stop-Loss Reinsurance

    In aggregate stop-loss reinsurance, losses over a specific amount are covered solely by the reinsurer and not by the ceding ...
  31. Motley Fool Launches ETF Tracking Proprietary Index

    Chances are you’ve heard of Motley Fool and read some of its research. But the company also has an asset management side ...
  32. Reasons to Invest in Real Estate Versus Stocks

    Real estate investments shouldn't be overlooked as a way to diversify a portfolio and help mitigate risk.
  33. Vanguard: 3 Questions to Ask Clients Interested in Factor ETF Investing

    With factor ETFs growing in popularity, Vanguard said advisors have to work to determine the best ones for clients.
  34. Underwriting Spread

    An underwriting spread is the difference between what underwriters pay an issuer for securities and the price at which they ...
  35. Actuarial Life Table

    An actuarial life table is a table or spreadsheet that shows the probability of a person at a certain age dying before his ...
  36. Waiver Of Premium For Payer Benefit

    A waiver of premium for payer benefit clause says that an insurance company will not require a fee to maintain the policy ...
  37. Political Risk Insurance

    Political risk insurance provides financial protection to investors, financial institutions and businesses that could lose ...
  38. Captive Agent

    A captive agent is an insurance agent who only works for one insurance company.
  39. Investment Income Ratio

    Investment income ratio is the ratio of an insurance company’s net investment income to its earned premiums.
  40. Bordereau

    A bordereau is a report provided by a reinsured company detailing the losses or premiums affected by reinsurance.
  41. Actuarial Service

    Actuarial service is one way corporations determine, assess and plan for the financial impact of risk.
  42. Cession

    Cession refers to the portions of obligations in an insurance company's policy portfolio that are transferred to a reinsurer.
  43. Successful Fiduciaries Create a Thriving Office Environment

    In part three of the blog series, “Five Disciplines of a Successful Fiduciary,” We examine team development and the culture ...
  44. Reciprocal Insurance Exchange

    Reciprocal insurance exchanges are where individuals and businesses exchange insurance contracts to spread the risk among ...
  45. Cedent

    A cedent is a party in an insurance contract who passes financial obligation for certain potential losses to the insurer.
  46. Floater Insurance

    Floater insurance covers property that is easily movable and provides additional coverage beyond the scope of traditional ...
  47. Risk Financing

    Risk financing is the determination of how an organization will pay for loss events in the most effective and least costly ...
  48. Underwriting Income

    Underwriting income is profit generated by an insurer's underwriting activity over a period of time.
  49. Chain Ladder Method (CLM)

    The Chain Ladder Method (CLM) calculates the claims reserve requirement in an insurance company’s financial statement.
  50. Bulge Bracket

    A bulge bracket is slang that describes the company or companies in an underwriting syndicate that issued the largest amount ...
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Hot Definitions
  1. Yield Curve

    A yield curve is a line that plots the interest rates, at a set point in time, of bonds having equal credit quality, but ...
  2. Gross Profit

    Gross profit is the profit a company makes after deducting the costs of making and selling its products, or the costs of ...
  3. Risk Tolerance

    The degree of variability in investment returns that an individual is willing to withstand. Risk tolerance is an important ...
  4. Donchian Channels

    A moving average indicator developed by Richard Donchian. It plots the highest high and lowest low over the last period time ...
  5. Consumer Price Index - CPI

    A measure that examines the weighted average of prices of a basket of consumer goods and services, such as transportation, ...
  6. Moving Average - MA

    A moving average (MA) is a widely used indicator in technical analysis that helps smooth out price action by filtering out ...
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