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Insurance Definition - investopedia.com

Details: Least Expensive Alternative Treatment (LEAT): A clause in an insurance policy that indicates that the insurer will only cover the least expensive option for treatment, repair, or remediation. The

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Introduction to Auto Insurance - Investopedia

Details: Auto Insurance: An auto insurance is a policy purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Instead of paying out of pocket for auto accidents

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Health Insurance: The Complete Guide - Investopedia

Details: Genomics: The study of the genome, which is the complete set of the genetic material or DNA present in an organism. Genomics studies all genes and their inter relationships in an organism, so as

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The 9 Best Pet Insurance of Plans 2021 - Investopedia

Details: Pet insurance is a type of insurance policy that helps protect you financially in the event of unexpected veterinary costs. Every month, you pay a premium to the insurance company in exchange for

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The 8 Best Burial Insurance Companies of 2021

Details: Burial insurance (sometimes called final expense coverage) is a type of whole life insurance that is specifically marketed to cover final expenses, including those for burial and cremation.

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Life Insurance Guide to Policies & Companies

Details: Wisconsin State Life Fund: A life insurance distribution system available to residents of Wisconsin. The Wisconsin State Life Fund is a state-sponsored life insurance program. The state of

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Health Insurance Definition

Details: Disease Management Program: A program offered by a health insurance company to manage the costs of policyholders’ chronic health conditions. Disease management programs can help control health

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Hazard Insurance Definition

Details: Hazard insurance protects a property owner against damage caused by fires, severe storms, and other natural events. Hazard insurance usually refers to a section of a general homeowners insurance

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Coinsurance Definition

Details: Copay plans may make it easier for insurance holders to budget their out-of-pocket costs because it is a fixed amount. Coinsurance usually splits the costs with the policyholder 80/20 percent.

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Insurance Claim Definition - investopedia.com

Details: Validation Period: The amount of time necessary for the premium on an insurance policy to cover the commissions, the cost of investigation, medical exams and other expenses associated with the

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What is Term Insurance? - Investopedia

Details: Term insurance is a type of life insurance policy that provides coverage for a certain period of time or a specified "term" of years. If the insured dies during the time period specified in the

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Second-To-Die Insurance

Details: Second-to-die insurance is a type of life insurance on two people (usually married) that provides benefits to the beneficiaries only after the last surviving person on the policy dies. This

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4 Types of Insurance Everyone Needs - Investopedia

Details: Insurance coverage is the amount of risk or liability covered for an individual or entity by way of insurance services. more Medical Payments Coverage (MedPay) Definition

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Liability Insurance Definition - Investopedia

Details: Liability insurance is any insurance policy that protects an individual or business from the risk that they may be sued and held legally liable for something such as malpractice, injury or negligence.

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The 7 Best Jewelry Insurance Companies of 2021

Details: Like other types of insurance for a boat or a car, jewelry insurance is a financial product that provides coverage for the item at hand. With jewelry insurance, you can pay an annual premium for a

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Insurance Score Definition

Details: An insurance score is a credit rating used by insurance companies to assess a potential insured consumer's level of risk. The insurance score is one of the primary determinants in how much monthly

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Insurance Coverage Definition - investopedia.com

Details: Boom Coverage: An endorsement to a policy ensuring contractor’s equipment that provides coverage for damage caused by cranes. Boom coverage is an add-on feature of the policy, and accepting this

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Property Insurance Definition - investopedia.com

Details: Vandalism Endorsement: An optional type of coverage that can be added to a basic hazard or property and casualty insurance policy to provide remuneration to the policy holder if his or her

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Rider Definition

Details: A rider is an insurance policy provision that adds benefits to or amends the terms of a basic insurance policy such as additional coverage. Riders come at an extra cost—on top of the premiums an

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Insurance Derivative - Investopedia

Details: Insurance Derivative: A financial instrument that derives its value from an underlying insurance index or the characteristics of an event related to insurance. Insurance derivatives are useful for

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Indemnity Insurance Definition - investopedia.com

Details: Indemnity insurance is a type of insurance policy where the insurance company guarantees compensation for losses or damages sustained by a policyholder.

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What Is Gap Insurance?

Details: Gap insurance is a type of auto insurance that car owners can purchase to protect themselves against losses that can arise when the amount of compensation received from a total loss does not fully

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Insurance Proceeds Definition

Details: Insurance proceeds are benefits paid out on insurance policies as a result of an insurance claim. The proceeds received from an insurance policy are used to cover any financial losses resulting

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Shortfall Cover Definition - Investopedia

Details: Shortfall Cover: A reinsurance agreement used to temporarily reduce gaps in an insurer’s treaty reinsurance coverage. A shortfall cover is a type of facultative reinsurance, and is designed to

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Business Insurance - investopedia.com

Details: Business insurance refers broadly to a class of insurance coverage intended for purchase by businesses rather than individuals. Businesses seek insurance to cover potential damage to property, to

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Assurance Definition

Details: A term life insurance policy, however, covers a fixed period—such as 10, 20, or 30 years—from the policy's purchase date. If the policyholder dies during that time, the beneficiary receives

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Insurance Bond Definition

Details: An insurance bond is a type of investment instrument offered by life insurance companies and primarily used in the U.K. and Australia.

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The 4 Best Catastrophic Health Insurance of 2021

Details: The Kaiser Permanente insurance company has been in operation since 1945, starting as an insurance company for shipyard and steel mill workers. Now, it is a large not-for-profit provider of health

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Cross-Liability Coverage Definition

Details: An insurance claim is a formal request by a policyholder to an insurance company for coverage or compensation for a covered loss or policy event. The insurance company validates the claim and

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Flood Insurance Definition - Investopedia

Details: Flood insurance is a financial instrument that protects real property owners from water damage to the structure and contents of their property. While flood insurance can be purchased through many

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Homeowners Insurance Definition

Details: Wedding Presents Floater: A type of insurance that can be added to a renter's or homeowner's insurance policy to temporarily cover the value of the gifts a couple receives when they get married

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Bad Faith Insurance Definition

Details: Insurance companies act in bad faith when they misrepresent an insurance contract’s language to the policyholder to avoid paying a claim. They also act in bad faith when they fail to disclose

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What Is Reinsurance? - Investopedia

Details: Peter J. Creedon, CFP®, ChFC®, CLU® Crystal Brook Advisors, New York, NY Reinsurance is a way a company lowers its risk or exposure to an untoward event. The idea is that no insurance company

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Fire Insurance: When Homeowners Insurance Coverage Isn't

Details: How Fire Insurance Works . Homeowners insurance provides policyholders with coverage against loss and/or damage to their homes and possessions, also referred to as insured property.This is a

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Insurance Premium Definition

Details: An insurance premium is the amount of money an individual or business must pay for an insurance policy. Insurance premiums are paid for policies that cover healthcare, auto, home, and life insurance.

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Pet Insurance Definition - Investopedia

Details: Pet Insurance: A policy purchased by the owner of a pet that will lessen the overall costs if expensive medical bills are incurred by that pet. This is similar to health insurance policies except

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Fronting Policy Definition

Details: The insurance company that underwrites the original policy is known as the fronting company. This entity receives a percentage of the premium despite ceding all of the risks to the reinsurer,

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The 6 Best Drone Insurance Companies of 2021

Details: Avion Insurance is tops in this category based on the commercial value of the policies it offers, including coverage of aerial photography and related gear. Since the company’s founding in 1985

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The Hartford Car Insurance Review 2021

Details: The Hartford is one of the oldest insurance companies in the United States. Founded in 1810, The Hartford offers comprehensive auto insurance in all 50 states and the District of Columbia.

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Are Insurance Companies and Pension Funds Considered

Details: For the policyholder, an insurance policy is a contract with the insurance company. It involves ownership. Insurance policies also have a specified value. Thus, while most insurance policies are

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Peer-to-Peer (P2P) Insurance

Details: Insurance Dashboard: An interactive digital tool that combines and manages all aspects of a user’s insurance policies in one platform. An insurance dashboard provides much needed transparency

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Insurance Fraud Definition

Details: What Is Insurance Fraud? Insurance fraud is an illegal act on the part of either the buyer or seller of an insurance contract. Insurance fraud from the issuer includes selling policies from non

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Reinsurance: Insurance for the Insurer

Details: Time And Distance Policy: A reinsurance treaty in which a ceding insurer transfers a lump sum of its premiums to a reinsurer, and over time is returned a portion of the unused premiums. Time and

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Treaty Reinsurance Definition

Details: Treaty reinsurance is insurance purchased by an insurance company from another insurer. The issuing company is called the cedent, while the reinsurer is the purchasing company, which assumes the

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Business Interruption Insurance Definition

Details: Business interruption insurance is insurance coverage that replaces income lost in the event that business is halted due to direct physical loss or damage, such as might be caused by a fire or a

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Tiny House Insurance: How to Insure Your Tiny Home

Details: An insurance claim is a formal request by a policyholder to an insurance company for coverage or compensation for a covered loss or policy event. The insurance company validates the claim and

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Insurance, Excess Insurance, and Reinsurance

Details: Coincidental Excess Coverage: Insurance coverage that provides excess coverage for a specified event or circumstance. Coincidental excess coverage will only apply under certain circumstances, and

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Excess of Loss Reinsurance Definition

Details: Excess of loss reinsurance is a form of non-proportional reinsurance.Non-proportional reinsurance is based on loss retention. With non-proportional reinsurance, the ceding company agrees to accept

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