Insurance

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  1. 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 ...
  2. Broad Form Insurance

    Broad form insurance coverage extends beyond the basics to include rare events that may be of serious risk to the insured.
  3. Workers' Compensation

    Workers' compensation is a publicly-sponsored system that pays monetary benefits to workers who become injured or disabled ...
  4. Out-of-Pocket Limit

    The out-of pocket limit is the maximum amount a health insurance policyholder will pay for covered healthcare over the course ...
  5. Multiple Employer Welfare Arrangement (MEWA)

    A Multiple Employer Welfare Arrangement (MEWA) is a vehicle for marketing health and welfare benefits to employers for their ...
  6. Conditional Binding Receipt

    In life, health and certain property insurance contracts, coverage begins when the insured receives the conditional binding ...
  7. Portfolio Insurance

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

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

    A cut-through clause is a reinsurance provision that lets a party, other than the ceding company and reinsurance company, ...
  10. 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 ...
  11. Wellness Program

    Wellness programs aim to improve employee health with company-sponsored exercise, weight-loss competitions, educational seminars ...
  12. Follow On Public Offer (FPO)

    A follow-on public offer (FPO) is an issuance of shares by a public company whose shares are already listed on an exchange. ...
  13. Underwriting Spread

    An underwriting spread is the difference between what underwriters pay an issuer for securities and the price at which they ...
  14. Average Indexed Monthly Earnings (AIME)

    Average indexed monthly earnings (AIME) is used to determine the primary insurance amount (PIA) that values an individual's ...
  15. 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 ...
  16. 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 ...
  17. Total Permanent Disability (TPD)

    Total permanent disability (TPD) is a condition in which an individual is no longer able to work due to injuries.
  18. Comprehensive Insurance

    Comprehensive insurance is a type of automobile insurance that covers damage to your car from causes other than a collision.
  19. Collision Damage Waiver (CDW)

    Collision damage waiver (CDW) is additional insurance coverage offered to an individual renting an automobile.
  20. Captive Agent

    A captive agent is an insurance agent who only works for one insurance company.
  21. Conversion Privilege

    Conversion privilege is an insurance policy in which the insurer is required to renew or update the policy regardless of ...
  22. Point-of-Service Plan (POS)

    A point-of-service plan (POS) is a managed-care health insurance plan that provides different benefits for using in-network ...
  23. Blanket Insurance

    Blanket insurance covers many types of property in one place, the same type of property in many locations, or many kinds ...
  24. Umbrella Insurance Policy

    An umbrella insurance policy provides extra liability insurance coverage that goes beyond the limits of the insured's home, ...
  25. Actuarial Service

    Actuarial service is one way corporations determine, assess and plan for the financial impact of risk.
  26. Viatical Settlement

    A viatical settlement is when someone (usually) with a terminal disease sells their life insurance policy at a discount from ...
  27. Cession

    Cession refers to the portions of obligations in an insurance company's policy portfolio that are transferred to a reinsurer.
  28. Underinsurance

    Underinsurance refers to inadequate insurance coverage held by a policyholder.
  29. Own-Occupation Policy

    An own-occupation policy covers individuals who become disabled and can't perform what they have been trained to perform.
  30. Book Runner

    A book runner is the main underwriter or lead manager in the issuance of new equity, debt, or securities instruments.
  31. Human-Life Approach

    The human-life approach calculates the amount of life insurance a family needs based on the financial loss they'd experience ...
  32. Guideline Premium And Corridor Test (GPT)

    The Guideline Premium And Corridor Test (GPT) is used to determine whether an insurance product can be taxed as insurance ...
  33. Cedent

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

    Floater insurance covers property that is easily movable and provides additional coverage beyond the scope of traditional ...
  35. Homeowners Protection Act

    The Homeowners Protection Act reduces the unnecessary payment of private mortgage insurance (PMI) by homeowners who are no ...
  36. Employee Benefits: How to Know What to Choose

    Starting a new job is stressful, but you don't need to sweat about setting up a benefits package.
  37. Guaranteed Investment Fund (GIF)

    A guaranteed investment fund allows a client to invest in an equity, bond or index fund with the promise of a predefined ...
  38. Seasoned Issue

    A seasoned issue is the issue of additional securities from an established company whose securities already trade in the ...
  39. Chain Ladder Method (CLM)

    The Chain Ladder Method (CLM) calculates the claims reserve requirement in an insurance company’s financial statement.
  40. Assumed Interest Rate (AIR)

    Assumed interest rate (AIR) is the rate of interest or growth rate selected by an insurance company.
  41. Capitated Contract

    A captitated contract is a healthcare plan that provides payment of a flat fee for each patient it covers.
  42. Bulge Bracket

    A bulge bracket is slang that describes the company or companies in an underwriting syndicate that issued the largest amount ...
  43. Greenshoe Option

    A greenshoe option is a provision in an IPO underwriting agreement that grants the underwriter the right to sell more shares ...
  44. Second-To-Die Insurance

    Second-to-die insurance is a type of life insurance on two people that provides benefits to the beneficiaries only after ...
  45. Certain And Continuous

    Certain and continuous is a type of annuity that guarantees a number of payments, even if the annuitant dies.
  46. Bank Insurance

    Bank insurance is a guarantee by the Federal Deposit Insurance Corporation (FDIC) of deposits in a bank.
  47. Insurance Grace Period

    An insurance grace period is a defined amount of time after the premium is due in which a policyholder can make a premium ...
  48. Renter's Insurance

    Renter's insurance is property insurance that covers a policyholder's belongings, liability and possibly living expenses ...
  49. Mortality And Expense Risk Charge

    A mortality and expense risk charge is a variable annuity fee that compensates insurance companies for risks and expenses ...
  50. Hurricane Deductible

    A hurricane deductible is the amount a homeowner must pay before insurance will cover the damage caused by a hurricane.
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