Dictionary of Insurance Terms - download pdf or read online

By Harvey W. Rubin Ph.D.

ISBN-10: 0764138847

ISBN-13: 9780764138843

A helpful quick-reference fact-finder for brokers, agents, actuaries, underwriters, and usual shoppers, this guide defines nearly 4,500 keywords utilized in the assurance undefined. Definitions follow to existence, healthiness, estate, and casualty coverage, in addition to to house owners' and tenants' assurance, expert legal responsibility assurance, pension plans, and person retirement money owed. buy of policies constitutes an incredible lifetime expenditure for the typical purchaser, and an incredible functionality of this e-book is to assist non-experts comprehend what they wish and precisely what they're purchasing once they buy coverage. writer Harvey Rubin, a Chartered existence Underwriter and Chartered estate and Casualty Underwriter, opens with an summary of the assurance that issues out the various monetary tools on hand from insurance firms to companies, execs and normal shoppers. He devotes the rest of this ebook to definitions, descriptions, and examples that translate technical assurance terminology into transparent, understandable English. this is an enlightening and available enterprise consultant that merits a spot on each domestic bookshelf. the recent York instances calls this e-book ". . . valuable, relatively for worker gain and retirement issues."

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In order for this car to be insured, the car must be a private passenger car and the insurance company must insure all of the insured and insured spouse's other private passenger cars. If it is a pickup or van with less than 10,000 lb. gross vehicle weight and not used in business or farming, the insurance company also must insure all the other cars owned by the insured or the insured's spouse for that car to be covered. See also REPLACEMENT CAR. ADDITIONAL DEATH BENEFIT extra layer of life insurance coverage.

The modification is derived by dividing the first year initial acquisition expenses by the present value of a LIFE ANNUITY DUE (thereby amortizing these expenses over the premium paying period). This is the premium used to generate a minimum CASH SURRENDER VALUE required by the NONFORFEITURE PROVISION. ADJUSTED PREMIUM METHOD method of calculating the life insurance policy's cash surrender value (CSV) not contingent upon the calculation of the policy's RESERVE such that the CSV will approximate the ASSET SHARE VALUE of the policy as required by the STANDARD NON-FORFEITURE LAW.

AGGREGATE INDEMNITY total limit of coverage under all policies applicable to the covered loss for which an insured can be indemnified. For example, if two health insurance policies are in force on the same person, the total limit of coverage is that provided by the primary policy in combination with the secondary policy. See also AGGREGATE LIMIT PRIMARY INSURANCE AMOUNT; SECONDARY PLAN. AGGREGATE LEVEL COST METHOD actuarial method of calculating benefits and their costs for all the employees as a group rather than for each individual employee.

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Dictionary of Insurance Terms by Harvey W. Rubin Ph.D.

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