# A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
Learn about the concept of past service benefit in pensions, which provides credit for the time an employee worked before a retirement plan was instituted.
Learn about the policy period in general insurance, which defines the duration for which your insurance coverage remains valid.
Learn the definition of Protection in general insurance terms and how it relates to coverage and neighborhood fire safety resources.
Learn about retaliatory law and how it affects insurance agents applying for licenses across different states. Discover the implications and benefits of this legal provision.
Explore the essentials of Robbery and Safe Burglary Coverage Form within commercial crime insurance, including the specifics of Form D and Form Q.
Learn about the definition and implications of sublimits in general insurance policies. Discover how sublimits function and what they mean for policyholders.
Learn about the out-of-pocket limit in health insurance, a critical factor that determines the maximum coinsurance you have to pay before your insurer covers all expenses. Find out how it affects your policy and overall costs.
Learn about the term 'Member' used in health insurance and pensions, describing individuals covered under a health plan or qualified employees in a pension plan.
Learn about Evidence of Insurability in health and life insurance. Understand the importance of health facts required for underwriting, including medical physicals.
Learn about the coinsurance plan of reinsurance, a form of reinsurance where insurance companies transfer a segment of a life insurance policy to a reinsurer who then shares in the death benefit payments.
Learn about excess per risk reinsurance, a type of reinsurance that protects the ceding company against losses exceeding a specific retention amount for each individual occurrence.
Understand the Farm Property Coverage Form, which provides farm coverage for residences, household property, and farm buildings. Learn essential details to secure your agricultural assets.
Learn about the role of a fiduciary in insurance, their responsibilities, and the legal obligations to act ethically when handling the money or property held in trust.
Learn about Jewelry Floaters in Property Insurance, a policy that fully covers specified jewelry against all risks, ensuring peace of mind.
Learn how maps are used in property insurance to locate geographical risks, assess their character, and track policy distribution to prevent catastrophic losses.
Learn about Motor Truck Cargo Policy - Carriers Form, which grants indemnity to truckers for loss or damage to the property they are transporting. Understand the importance of this mandatory coverage.
Learn about the multiple indemnity clause in life insurance policies, which ensures multiplied benefits if the peril occurs in a specified way, such as double indemnity in case of arson.
Learn about Ordinary Construction in property insurance, including building characteristics, structural details, and implications for fire risk and insurance coverage.
Explore the concept of being over insured in insurance. Understanding over insurance, its risks, and how it might impact policyholders. Learn about the moral hazard associated with excessive coverage.
Understand the concept of Per Stirpes distribution in life insurance, which ensures property inheritance through a beneficiary's heirs if the beneficiary predeceases the insured.
Understand Permanent Total Disability in health insurance, a condition where the insured is unable to work for the rest of their life due to severe disability. Learn more about the implications and coverage.
Learn about Preauthorization Check Plan in Life Insurance where premiums are paid through a monthly pre-authorized bank draft for easy and convenient payments.
Understand what Proof of Loss means in general insurance terms. Learn how insurers use the insured's statements to determine liability for the loss.
Learn about the ratio test in pensions, a test ensuring equitable coverage where a certain number of lower-paid employees benefit, equaling 70% of higher-paid employees.
