Retirement Insurance & Health

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  1. Policy Or Sales Illustration

    A policy or sales illustration is an educational tool that shows a prospective or new insurance policyholder how life or ...
  2. 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 ...
  3. Living And Death Benefit Riders: How Do They Work?

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

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

    An accumulation option is a policy feature of permanent life insurance that reinvests dividends back into the policy, where ...
  6. 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 ...
  7. Abandonment Clause

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

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

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

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

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

    Other post-retirement benefits are benefits, other than pension distributions, paid to employees during their retirement ...
  13. 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 ...
  14. Third-Party Claims Administrator

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

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

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

    A surrender fee is a charge levied against an investor for the early cancellation or withdrawal of funds from an insurance ...
  18. 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 ...
  19. 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.
  20. Selecting and Managing Insurance Payouts

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

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

    An independent agent is an insurance agent that sells insurance provided by several different insurance companies, rather ...
  23. 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 ...
  24. National Insurance Contributions (NIC)

    National Insurance Contributions are payments made by employees and employers into the United Kingdom's National Insurance ...
  25. Ancillary Benefits

    Ancillary benefits are a secondary type of health insurance coverage that covers miscellaneous medical expenses that are ...
  26. Life Settlement

    A life settlement is the selling of one's life insurance policy to a third party for a one-time cash payment.
  27. Laddering

    Laddering is the promotion of inflated pre-IPO prices for the sake of obtaining a greater allotment of the offering.
  28. Insurance Trust

    An insurance trust is an irrevocable trust set up with a life insurance policy as the asset, allowing the grantor to exempt ...
  29. Straight Life Annuity

    A straight life annuity is a retirement income product that pays a benefit until death but forgoes any further beneficiary ...
  30. Annuity Contract

    An annuity contract is a written agreement between an insurance company and a customer outlining each party's obligations ...
  31. Level Death Benefit

    A level death benefit is a life insurance payout that is the same whether the insured person dies shortly after purchasing ...
  32. Actuarial Assumption

    An actuarial assumption is an estimate of an uncertain variable input into a financial model for the purposes of calculating ...
  33. Cash Refund Annuity

    A cash refund annuity refunds to a beneficiary any sum left over should the annuitant die before breaking even on what they ...
  34. Annuity Table

    An annuity table is a tool for determining the present value of a structured series of payments.
  35. Single-Premium Deferred Annuity (SPDA)

    A single-premium deferred annuity (SPDA) is an annuity established with a single payment featuring investment growth solely ...
  36. Contingent Annuitant

    A contingent annuitant is someone designated by an annuitant to receive the annuitant’s payments when they pass away.
  37. Insurance Inflation Protection

    Insurance inflation protection is designed to allow policyholders to make sure that the benefits they receive can keep up ...
  38. Losses Incurred

    Losses incurred refers to benefits paid to policyholders during the current year, plus changes to loss reserves from the ...
  39. Social Security Number (SSN)

    A Social Security Number (SSN) is a numerical identifier assigned to U.S. citizens and some residents to track their income ...
  40. Immediate Payment Annuity

    An immediate payment annuity is an annuity contract that is purchased with a single payment and pays a guaranteed income ...
  41. Creditable Coverage

    Creditable coverage is health insurance, prescription drug or another health benefit plan that meets a minimum set of qualifications.
  42. Employer-Sponsored Plan

    An Employer-Sponsored Plan is a benefit plan offered to employees at little-to-no cost.
  43. Annuity

    An annuity is a financial product that pays out a fixed stream of payments to an individual, primarily used as an income ...
  44. Annual Dividend (Insurance)

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

    Medical underwriting is the process of assessing the risk associated with providing health insurance coverage.
  46. Commutation

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

    A homestead exemption protects the value of a home from property taxes and creditors following the death of a homeowner spouse.
  48. Why Your Medicare Patient Status Matters

    If you or a loved one are covered by Medicare and require a hospital stay, be sure to clarify whether you are inpatient, ...
  49. 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 ...
  50. Medicaid

    Medicaid is a government-sponsored insurance program for individuals and families whose income is insufficient to cover health-related ...
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Hot Definitions
  1. Inflation

    Inflation is the rate at which prices for goods and services is rising and the worth of currency is dropping.
  2. Discount Rate

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  3. Economies of Scale

    Economies of scale refer to reduced costs per unit that arise from increased total output of a product. For example, a larger ...
  4. Quick Ratio

    The quick ratio measures a company’s ability to meet its short-term obligations with its most liquid assets.
  5. Leverage

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  6. Financial Risk

    Financial risk is the possibility that shareholders will lose money when investing in a company if its cash flow fails to ...
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