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  1. Auto Insurance

    Auto insurance is purchased by vehicle owners to mitigate costs associated with getting into an auto accident.
  2. Commutation

    Commutation refers to the rights of beneficiaries to exchange one type of income for another.
  3. Homestead Exemption

    A homestead exemption protects the value of a home from property taxes and creditors following the death of a homeowner spouse.
  4. Named Perils Insurance Policy

    A named perils insurance policy is a home insurance policy that only covers losses incurred to your property from hazards ...
  5. Back Pay

    Back pay is the amount of salary and other benefits that an employee claims that he or she is owed after a wrongful termination.
  6. Gross Spread

    Gross spread is the difference between the underwriting price received by the issuing company and the actual price offered ...
  7. Should You Buy Long-Term Care Insurance?

    Proper planning and knowledge can help you decide if long-term care insurance is right for you.
  8. Principal, Interest, Taxes, Insurance (PITI)

    Principal, interest, taxes, insurance (PITI) is the term for the sum of a mortgage payment made of principal, interest, taxes, ...
  9. FDIC Improvement Act (FDICIA)

    The FDIC Improvement Act was passed in 1991 in response to the savings and loan crisis and fortified the FDIC's role and ...
  10. Compensatory Damages

    Compensatory damages is money awarded to a plaintiff to compensate for damages, injury, or another incurred loss.
  11. Underwriting Expenses

    Underwriting expenses are costs and expenditures associated with underwriting activity.
  12. Long-Term Care (LTC) Insurance

    Long-term care insurance coverage provides for the care of people over age 65 or with a chronic or disabling condition that ...
  13. Undersubscribed

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

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

    National Association of Insurance Commissioners (NAIC) is a national organization whose main goal is to protect the interests ...
  16. Death Benefit

    A death benefit is the amount on a life insurance policy or pension that is payable to the beneficiary when the annuitant ...
  17. Surrender Period

    The surrender period is the amount of time an investor must wait until he or she can withdraw funds from an annuity without ...
  18. Lapse Ratio

    The lapse ratio represents the percentage of policies that were not renewed and thus have lapsed in coverage.
  19. Brought Over The Wall

    "Brought over the wall" is when a research employee of an investment bank comes over from the underwriting department to ...
  20. 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 ...
  21. Accelerated Benefits

    Accelerated benefits refers to a clause in certain life insurance policies that enable the policy holder to receive the benefits ...
  22. War Exclusion Clause

    A war exclusion clause in an insurance policy excludes coverage for acts of war such as invasion, insurrection, revolution, ...
  23. 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 ...
  24. Broad Form Insurance

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

    Workers' compensation is a publicly-sponsored system that pays monetary benefits to workers who become injured or disabled ...
  26. 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 ...
  27. Multiple Employer Welfare Arrangement (MEWA)

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

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

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

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

    A cut-through clause is a reinsurance provision that lets a party, other than the ceding company and reinsurance company, ...
  32. 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 ...
  33. Wellness Program

    Wellness programs aim to improve employee health with company-sponsored exercise, weight-loss competitions, educational seminars ...
  34. 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. ...
  35. Underwriting Spread

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

    Average indexed monthly earnings (AIME) is used to determine the primary insurance amount (PIA) that values an individual's ...
  37. 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 ...
  38. 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 ...
  39. Total Permanent Disability (TPD)

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

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

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

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

    Conversion privilege is an insurance policy in which the insurer is required to renew or update the policy regardless of ...
  44. 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 ...
  45. Blanket Insurance

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

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

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

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

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

    Underinsurance refers to inadequate insurance coverage held by a policyholder.
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