Retirement Insurance & Health

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  1. Without Evidence of Insurability

    Without evidence of insurability refers to an insurance policy issued without requiring proof that the beneficiary is eligible ...
  2. Issue Age Policy

    Issue Age Policy refers to an insurance policy whose rate is dependent on the age of the individual who purchases it.
  3. Active Retention

    Active retention is the practice of protecting against a loss via the designation of specific funds to pay for the expected ...
  4. Insurance Bond

    An insurance bond is a type of investment instrument that is offered by life insurance companies.
  5. Primary Insurance Amount - PIA

    Primary insurance amount is a calculation, used with the Average Indexed Monthly Earnings (AIME), to determine a person's ...
  6. Disclaimer Trust

    A disclaimer trust is one that has embedded provisions that allow a surviving spouse to put specific assets under the trust.
  7. Needs Approach

    Needs approach is a method of calculating how much life insurance an individual or family requires to cover their needs and ...
  8. Top 10 Tips for a Financially Safe Retirement

    You've worked hard to secure enough to retire, so make sure you keep it safe.
  9. Benefit Period

    The benefit period is the length of time during which a benefit is paid, either a program such as Medicare, or payment from ...
  10. Common Risks That Can Ruin Your Retirement

    These unexpected bumps can sideline your post-work plans and prevent you from outlasting your assets.
  11. Can You Retire in Five Years?

    The countdown is on. Find out whether you'll be ready to leave the working world.
  12. The Top 3 Retiree Worries (And What To Do About Them)

    Discover the most common problems retirees face, and what they can do to solve them.
  13. Sliding Scale Fees

    Sliding scale fees are a type of tax or cost that may change according to an associated factor.
  14. Understanding IRMAA: The Medicare Surcharge

    Learn what the income related Medicare adjustment amount (IRMAA) is and if it will affect you in retirement.
  15. How Social Security Survivor Benefits Work

    Learn about your options in times of loss and discover what you can do to provide death benefits, social security benefits, ...
  16. Estate Planning

    Estate planning is the preparation of tasks that serve to manage an individual's asset base in the event of their incapacitation ...
  17. Life Expectancy: It's More Than Just A Number

    Find out how this factor determines your life insurance premiums and affects your payout.
  18. ABLE Account

    An ABLE account is a tax-advantaged savings account available to individuals diagnosed with significant disabilities prior ...
  19. 702(j): Retirement Plan or Life Insurance?

    A 702(j) plan is not a retirement plan, even though that's how it's marketed. It is actually a life insurance policy.
  20. Are Retirees Worrying Too Much About Medical Expenses?

    The assumption that health care costs can take a big bite out of savings is a major source of anxiety for many in retirement. ...
  21. Benefactor

    A benefactor is an individual that provides money or other resources to an individual, group, or organization.
  22. Dependent Care Benefits

    Dependent care benefits are provided by an employer to an employee for use in caring for dependents, such as young children ...
  23. Payroll Deduction Plan

    A payroll deduction plan refers to when an employer withholds money from an employee's paycheck for a variety of purposes, ...
  24. AARP

    AARP is America's leading organization for people age fifty and older, providing member benefits, marketing services, and ...
  25. Family Income Rider

    A family income rider is a life insurance add-on that provides a beneficiary with money equal to the policyholder's monthly ...
  26. Credibility Theory

    Credibility theory refers to tools, policies and procedures used by actuaries when examining data in order to estimate risk. ...
  27. Successive Periods

    Successive periods are periods of time that follow one another chronologically and which are linked together by a common ...
  28. Policy Or Sales Illustration

    A policy or sales illustration is an educational tool that shows a prospective or new insurance policyholder how life or ...
  29. Transfer-For-Value Rule

    Transfer-for-value rule states that if a life insurance policy is transferred for something of value, the death benefit is ...
  30. Living And Death Benefit Riders: How Do They Work?

    Find out how these different riders work, and which type is right for you.
  31. Catastrophe Reinsurance

    Catastrophe reinsurance is purchased by an insurance company to reduce its exposure to the financial risks associated with ...
  32. Accumulation Option

    An accumulation option is a policy feature of permanent life insurance that reinvests dividends back into the policy, where ...
  33. Family And Medical Leave Act (FMLA)

    The Family and Medical Leave Act (FMLA) is a labor law requiring larger employers to provide employees unpaid leave for serious ...
  34. Abandonment Clause

    An abandonment clause in a property insurance contract permits the property owner to abandon lost or damaged property and ...
  35. Future Purchase Option

    A future purchase option is a feature of long-term disability insurance that allows policyholders to increase their insurance ...
  36. Select Mortality Table

    A select mortality table outlines life contingency statistics for a certain period of time.
  37. Entity-Purchase Agreement

    An entity-purchase agreement is a type of business succession plan used by companies that have more than one owner.
  38. Continuous Contract

    A continuous contract is a reinsurance contract that does not have a fixed contract end date and is renewable until terminated ...
  39. Other Post-Retirement Benefits

    Other post-retirement benefits are benefits, other than pension distributions, paid to employees during their retirement ...
  40. Combined Single Limits

    Combined single limits are a provision of an insurance policy that limits the coverage for all components of a claim to a ...
  41. Third-Party Claims Administrator

    A third-party claims administrator processes claims for a third-party company.
  42. Traditional Whole Life Policy

    A traditional whole life policy is a type of life insurance contract that provides for insurance coverage of the contract ...
  43. A Guide to Social Security Dependent Benefits

    Advisors tend to focus on retirement benefits, but Social Security also offers dependent benefits.
  44. Surrender Fee

    A surrender fee is a charge levied against an investor for the early cancellation or withdrawal of funds from an insurance ...
  45. Social Security Act

    The Social Security Act is a law enacted in 1935 to create a system of transfer payments in which younger, working people ...
  46. Yearly Renewable Term Plan of Reinsurance

    A yearly renewable term plan of reinsurance is a type of life reinsurance where mortality risks are transferred to a reinsurer.
  47. Selecting and Managing Insurance Payouts

    Find out which insurance payout option is right for you before you receive your funds.
  48. Attained Age

    Attained age is the age at which the beneficiary of an insurance policy, retirement plan or other aged-dependent plan, can ...
  49. Independent Agent

    An independent agent is an insurance agent that sells insurance provided by several different insurance companies, rather ...
  50. Index universal life versus whole life insurance: A comparison

    Consumers have choices when it comes to life insurance. Knowing your future needs for cash or retirement can make the difference ...
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Hot Definitions
  1. Bond

    A bond is a fixed income investment in which an investor loans money to an entity (corporate or governmental) that borrows ...
  2. Compound Annual Growth Rate - CAGR

    The Compound Annual Growth Rate (CAGR) is the mean annual growth rate of an investment over a specified period of time longer ...
  3. Net Present Value - NPV

    Net Present Value (NPV) is the difference between the present value of cash inflows and the present value of cash outflows ...
  4. Price-Earnings Ratio - P/E Ratio

    The Price-to-Earnings Ratio or P/E ratio is a ratio for valuing a company that measures its current share price relative ...
  5. Internal Rate of Return - IRR

    Internal Rate of Return (IRR) is a metric used in capital budgeting to estimate the profitability of potential investments.
  6. Limit Order

    An order placed with a brokerage to buy or sell a set number of shares at a specified price or better.
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