Insurance
Transferring or protecting risk, usually with a payment
Risk Management
Managing risks
Insurer
Company that provides insurance
Insured
What the insurance covers or protect
Insurance Agent
A person who provides insurance advice and solutions
Policy Holder
Owner of the insurance
Assignment
Transfer of policy rights
Beneficiary
Person entitled to receive insurance benefits
Insurance Coverage
The amount or value of risks to be covered
Premium
The amount paid for the insurance
Insurance Policy
An insurance contract
Claims
Request for payments as per terms of insurance policy
Lump Sum
One-time payment
Single Premium
One-time payment
Regular Premium
Regular Payment
Cash Value
Value of insurance policy upon immediate termination
Reinsurance
Transferring risk of company that provides insurance
Reinsurer
Company that provides reinsurance
Co-insurance
Sharing risks or payments
Participating
Sharing future profits and decreased in profits for the savings insurance policy
Non-participating
Values of savings insurance policy is pre-determined and is not subject to profit of loss.
Underwriting
assessing and deciding process for risks of an insurance policy
Actuarial Science
Using mathematical and statistical methods to assess risk in insurance, finance and other industries and professions
Life Insurance
Cover the life of a person against death.
TPD Insurance
Stands for Total Permanent Disability. Cover risks of person who becomes permanently disabled.
Usually defined as: Loss of 2 eyes, 2 arms or 2 legs.
Critical illness Insurance
Covers risks of getting stated critical illness
Endowment
An insurance and savings plan that pays a lump-sum upon maturity or upon death
Whole-life
An insurance and savings plan with no maturity, and is payable upon withdrawal, termination or death.
Universal Life
An insurance and savings plan with regularly adjusted interested rate. No maturity, flexibility of withdrawal, and can be terminated or upon death
Investment-linked Policy
An insurance policy with returns linked to investments
Annuity
An insurance and savings plan with regular payout that may terminate upon reaching zero value or death
Health Insurance
Cover medical, hospital and surgical expenses
Disability Insurance
Cover risks of not being able to work due to disability
Term Insurance
Life insurance coverage with a specified period
Keyman Insurance
Cover stated risks of important person
Example: Bruce Springsteen voice was Lloyd’s for $6 million
Accident Insurance
Cover risks of accidents
Riders
Additional insurance coverage added to a policy
General Insurance
Non-life insurance
Travel Insurance
Cover risks of travel
Car Insurance
Cover risks of car accidents
Fire Insurance
Protect risks of fire
Act of God
Events that happen outside human control such as natural disaster
Indemnity
What will be excluded
Benefit insurance
What must be paid regardless
Insurable interest
Insured must directly suffer from the loss.
Utmost good faith / Uberrima fides
Insured and insurer are bound by a good faith bond of honesty and fairness. Material facts must be disclosed.
Subrogation
Insurer has legal rights to recover damages to those who are liable for the insured, on behalf of the insured.
Causa proxima / proximate cause
Cause of loss must be covered and the dominant cause must not be excluded
Did you know
Maritime Insurance is the earliest known insurance contract in 1347 Genoa, Italy
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