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The definitions contained herein are for general information only and are not designed for use in connection with the interpretation of any insurance policy or annuity policy issued through Insurance Answer Center.

Life Insurance Glossary Terms 4 A B C D E F G H I J K L M N O P Q R S T U V W Y

Accidental Death and Dismemberment Insurance

Accidental Death Benefit Rider

Adjustable Life Insurance Policy

Administrative Expenses

Anniversary Statement

Annual Statement

Annually Renewable Term

Asset Quality and Concentration

Asset/Liability Management

Asset-Liability Management

Attending Physicians Statement

Authorization

Automatic Premium Loan

Cashing In or Cashing Out

Certificate of Deposit

Change of Beneficiary

Collateral Assignment

Contingent Beneficiary

Death Claim Notification

Declared Interest Rate

Declared Renewal Interest Rate

Decreasing Term Insurance

Deferred Annuity

Dependent Child Insurance Rider

Dividend Accumulation

Eligibility Requirements

Evidence of Insurability

Extended Term Insurance Option

Family Insurance Rider

Flexible Premium Deferred Annuity

Fraudulent Statement

Free Look

Free-Examination Period

Graded Premium Whole Life Insurance

Guaranteed Insurability Rider

Guaranteed Interest Account

Guaranteed Re-Entry Rider

Incontestability Clause

Incontestable

Indebtedness

Industry Competitive Position

Industry Specific Risk

Initial Crediting Rate

Initial Interest Rate

Interest Sensitive Whole Life

Interest-Sensitive Whole Life

Investment Income

Investment Return

IRA

Irrevocable Beneficiary

Issue Date

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Joint and Survivor Option

Joint Life Insurance Policy

Legal Age of Majority

Legal Guardian

Level Premium Insurance

Life Income with Period Certain Option

Life Insurance

Life Only Option

Limited-Payment Whole Life Insurance

Management Experience

Market Conditions

Master Contract

Material

Material Misrepresentation

Medical Information Bureau

Minimum Death Benefit

Minimum Premium

Minor

Misrepresentation

Misstatement of Age or Sex

Misstatement of Information

Mode of Premium Payment

Modified Endowment Contract

Money-Market Instruments

Moving Traffic Violations

Mutual Fund

Mutual Insurance Company

Mutual Insurance Companys Earnings

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National Association of Insurance Commissioners

Noncontributory

Non-forfeiture Option

Non-medical Application

Nonparticipating Policy

Non-qualified

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Operating Leverage

Operating Performance

Option

Organization Structure

Original Age Conversion

Other Insured Rider

Owner

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Paid-Up Dividend Addition

Period Certain and Life Thereafter Option

Period Certain Only

Periodic Payments

Permanent Life Insurance

Pre-authorized Check Agreement

Pre-Tax Annual Income

Quality and Diversification of Assets

Quality of Investments

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Rate Class

Rated Policy

Reduced Paid-Up Insurance

Renewable Term Insurance

Return on Investments

Revocable Beneficiary

Rider

Risk

Risk-Adjusted Capital Ratios

Section 1035(a) Exchange

Security

Separate Account

Settlement Options

Single Premium Deferred Annuity

Single-Premium Whole Life Insurance

Specifications Page

Spousal Insurance Rider

Spread of Risk

Standard & Poors

Standard & Poors 500 Composite Stock Index

Standard Risk

Stock Insurance Company

Substandard Premium Rate

Successor Beneficiary

Suicide Clause

Surplus

Surplus Position Relative to the Companys Risk Profile

Tax Equity and Fiscal Responsibility Act

Technical and Miscellaneous Revenue Act

Temporary Insurance Agreement

Term Conversion

Term Coverage

Term Dividend Addition

Underdeveloped Countries

Underwriter

Underwriting

Universal Life Insurance

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Variable Universal Life Insurance

Void

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Waiver of Premium Rider

Yearly Renewable Term

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Answer Financial(R) Inc. offers insurance products and services through its licensed affiliates Insurance Answer Center(R) Inc. (California License No. 0B99714), Answer Center Insurance Agency, Inc., and other affiliates. Answer Financial is not an insurance company. Insurance plans and services are from insurance companies and other licensed insurance-related providers. Not all products available in all states. Rates subject to change.


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