HOMEOWNERS INSURANCE. HOW TO SAVE MONEY ON
YOUR INSURANCE?
It will take some time, but could save you a good sum of money.
Ask your friends, check the yellow pages or contact your state
insurance department.



States often make information available on typical rates charged
by major insurers and many states provide the frequency of
consumer complaints by company. Also check consumer guides,
insurance agents, and online insurance quote services. This will
give you an idea of price ranges and tell you which companies
have the lowest prices.

HOW TO SAVE MONEY ON YOUR INSURANCE?

RAISE YOUR DEDUCTIBLE
Deductibles are the amount of money you have to pay toward a
loss before your insurance company starts to pay a claim
according to the terms of your policy. The higher your deductible,
the more money you can save on your premiums.

BUY YOUR HOME AND AUTO POLICIES FROM THE SAME INSURER
Some companies that sell homeowners, auto and liabilities
coverage will take about 5 to 10percent off your premium if you
buy tho or more policies from them.

MAKE YOUR HOME MORE DISASTER RESISTANT.
Find out from your insurance agent or company representative
what steps you can take to make your home resistant to
windstorm and other natural disaster.

You may be able to save on your premiums by adding storm
shutters, reinforcing your roof, if your home is old consider
modernization your heating, plumbing, and electrical system to
reduce the risk of fire and water damage.
--------------------------------------------------------
IMPROVE YOUR HOME SECURITY
You can usually get discounts at least 5 percent for smoke
detector, burglar alarm or dead-bolt locks.

MAINTAIN A GOOD CREDIT RECORD
Establishing a solid credit history can cut your insurance can costs.
Insurers are increasingly using credit information to price
homeowners insurance policies.  
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TITLE INSURANCE:

A title insurance policy protects a real
estate investment against unknown or
hidden title defects and liens existing
as of the date of the policy those
hidden risks can be false impersonation
of the true owner, forged deeds,
undisclosed or missing heirs, human
errors etc.

Title insurance often required by a
lender for protection against hidden
title defects;
A lender's policy only protects the
lender---- A buyer's policy  protects the
buyer against
any eventuality

TITLE SEARCH:
Title  search is recommended to see if
there is no cloud in the title, this
give you a complete details  of the
historical records related the property
to ensure that
the seller is the legal owner, that there
are no liens, restrictive covenants,
outstanding
judgements or other claims against the
property. A CERTIFICATE of title is
issued  as a result of title search.

WHAT PROTECTION DOES TITLE
INSURANCE PROVIDE AGAINST
DEFECTS AND HIDDEN RISKS?
Title insurance shall pay for defending
against any lawsuit attacking the title
as insured, and will either clear up title
problems or pay the insured's losses.

For a one-time premium, an owner's
title insurance policy remains in effect
as long as the insured, or the insured's
heirs, retain an interest in the property
or have any obligations under a
warranty in any conveyance of it.
Owner's title insurance, issued
simultaneously with a loan policy.

WITHOUT TITLE INSURANCE, THE
HOMEOWNER BECOMES A
SELF-INSURERS, WHICH IS HIGHLY
INADVISABLE!
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INSURANCE: WAYS TO MAKE MONEY & SAVE MONEY ON YOUR INSURANCE! THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
THE IMPORTANCE OF INSURANCE IN
SOMEONE'S LIFE!
Your Financial Plan
Insurance is an important element of
any sound financial plan. Different
types of insurance protect you and
your loved ones in different ways
against the cost of accidents, illness,
disability, and death.
2
What Are Your Insurance Needs?  
The insurance decisions you make
should be based on your family, age,
and economic situation. There are
many forms of insurance and,
unfortunately, no one-size-fits-all
policy.

Life insurance, for example, is a virtual
necessity if you have a spouse and
children, but perhaps is less important
for a single person.

Disability insurance, which provides an
income stream if you are unable to
work, is important for everyone.
Following is a list of the forms of
insurance most people require.
INSURANCE: WAYS TO MAKE MONEY &
SAVE MONEY ON YOUR INSURANCE.
15 Insurance Policies You Don't Need
3
Auto Insurance
Auto insurance protects you from
damage to the often considerable
investment in a car and/or from
liability for damage or injury caused by
you or someone driving your vehicle.

It can also help cover expenses you or
anyone in your car may incur as a
result of an accident with an uninsured
motorist.
Auto liability coverage is necessary for
anyone who owns a car.

Many states require you to have
liability insurance before a vehicle can
be registered. However,
state-required minimum coverage
often does not provide adequate
protection. Suggested minimums are
$100,000 for medical expenses per
injured person, $300,000 for the total
per accident, and $50,000 for property
damage. Collision, fire, and theft
coverage is also advisable for a vehicle
having more than minimal value.


The cost of auto insurance varies
greatly, depending on the company
and agent offering it, your choice of
coverage and deductible, where you
live, the kind of vehicle, and the ages
of drivers in the family. Substantial
discounts are often available for safe
drivers, nonsmokers, and those who
commute to work via public
transportation.

4
Homeowner's Insurance
Homeowner's insurance should allow
you to rebuild and refurnish your home
after a catastrophe and insulate you
from lawsuits if someone is injured on
your property.

Coverage of at least 80% of your
home's replacement value, minus the
value of land and foundation, is
necessary for you to be covered for
the cost of repairs. There are several
grades of policies, ranging from HO-1
to HO-8, with increasingly
comprehensive coverage and cost.

Life Insurance
Life insurance, payable when you die,
can provide a surviving spouse,
children, and other dependents with
the funds necessary to maintain their
standards of living, can help repay
debt, and can fund education tuition
costs.

The amount you need depends on your
situation. If you make $100,000 a
year, have a sizable mortgage, and
have two kids headed to an expensive
college, you could need $1 million in
coverage.

Value-accumulating, but
commission-heavy, whole life or
universal insurance is often sold as a
conservative savings vehicle.
Talk with an insurance agent who
offers policies from companies whose
financial strength is ranked high by
rating agencies. And remember that
you can shop
Understand Your Insurance Contract

Almost all of us have insurance. When your insurer gives
you the policy document, generally, all you do is glance
over the decorated words in the policy and pile it up with
the other bunch of financial papers on your desk, right?
If you spend thousands of dollars each year on
insurance, don't you think that you should know all about
it? Your insurance advisor is always there for you to help
you understand the tricky terms in the insurance forms,
but you should also know for yourself what your contract
says. In this article, we'll make reading your insurance
contract easy. Read on to take a look at the basic
principles of insurance contracts and how they are put to
use in daily life.


Essentials of a Valid Insurance Contract
Offer and Acceptance: When applying for insurance, the
first thing you do is get the proposal form of a particular
insurance company. After filling in the requested details,
you send the form to the company (sometimes with a
premium check). This is your offer. If the insurance
company accepts your offer and agrees to insure you,
this is called an acceptance. In some cases, your insurer
may agree to accept your offer after making some
changes to your proposed terms (for example, charging
you a double premium for your chain-smoking habit).
Consideration: This is the premium or the future
premiums that you have pay to your insurance company.
For insurers, consideration also refers to the money paid
out to you should you file an insurance claim. This means
that each party to the contract must provide some value
to the relationship.
Legal Capacity: You need to be legally competent to
enter into an agreement with your insurer. If you are a
minor or are mentally ill, for example, then you may not
be qualified to make contracts. Similarly, insurers are
considered to be competent if they are licensed under
the prevailing regulations that govern them.
Legal Purpose: If the purpose of your contract is to
encourage illegal activities, it is invalid.
Find the Value in Indemnity contracts
Most insurance contracts are indemnity contracts.
Indemnity contracts apply to insurances where the loss
suffered can be measured in terms of money.

Principle of Indemnity: This states that insurers pay no
more than the actual loss suffered. The purpose of an
insurance contract is to leave you in the same financial
position you were in immediately prior to the incident
leading to an insurance claim. When your old Chevy
Cavalier is stolen, you can't expect your insurer to
replace it with a brand new Mercedes-Benz. In other
words, you will be remunerated according to the total
sum you have assured for the car.

Additional Factors
There are some additional factors of your insurance
contract that also need to be considered, including under-
insurance and excess clauses that create situations in
which the full value of an insured asset is not
remunerated.

Under-Insurance: Often, in order to save on
premiums, you may insure your house at $80,000 when
the total value of the house actually comes to $100,000.
At the time of partial loss, your insurer will pay only a
proportion of $80,000 while you have to dig into your
savings to cover the remaining portion of the loss. This is
called under-insurance, and you should try to avoid it as
much as possible.
Excess: To avoid trivial claims, the insurers have
introduced provisions like excess. For example, you have
auto insurance with the applicable excess of $5,000.
Unfortunately, your car had an accident with the loss
amounting to $7,000. Your insurer will pay you the
$7,000 because the loss has exceeded the specified limit
of $5,000. But, if the loss comes to $3,000 then the
insurance company will not pay a single penny and you
have to bear the loss expenses yourself. In short, the
insurers will not entertain claims unless and until your
losses exceed a minimum amount set by the insurer.
Not all insurance contracts are indemnity contracts. Life
insurance contracts and most personal accident
insurance contracts are non-indemnity contracts. You
may purchase a life insurance policy of $1 million, but
that does not imply that your life's value is equal to this
dollar amount. Because you can't calculate your life's net
worth and fix a price on it, an indemnity contract does
not apply.  

Insurable Interest
It is your legal right to insure any type of property or any
event that may cause financial loss or create a legal
liability to you. This is called insurable interest.

Suppose you are living in your uncle's house, and you
apply for homeowners' insurance because you believe
that you may inherit the house later. Insurers will decline
your offer because you are not the owner of the house
and, therefore, you do not stand to suffer financially in
the event of a loss.

This example demonstrates that when it comes to
insurance, it is not the house, car or machinery that is
insured. Rather, it is the monetary interest in that house,
car or machinery to which your policy applies.

It is also the principle of insurable interest that allows
married couples to take out insurance policies on the
lives of their spouses - they may suffer financially if the
spouse dies. Insurable interest also exists in some
business arrangements, as seen between a creditor and
debtor, between business partners or between
employers and employees.

Principle of Subrogation
Subrogation allows an insurer to sue a third party that
has caused a loss to the insured and pursue all methods
of getting back some of the money that it has paid to the
insured as a result of the loss.

For example, if you are injured in a road accident that is
caused by the reckless driving of another party, you will
be compensated by your insurer. However, your
insurance company may also sue the reckless driver in an
attempt to recover that money.



Doctrine of Utmost Good Faith
All insurance contracts are based on the concept of
"uberrima fidei", or the doctrine of utmost good faith.
This doctrine emphasizes the presence of mutual faith
between the insured and the insurer. In simple terms,
while applying for life insurance, it becomes your duty to
disclose your past illnesses to the insurer. Likewise, the
insurer cannot hide information about the insurance
coverage that is being sold.

Doctrine of Adhesion
The doctrine of adhesion states that you must accept the
entire insurance contract and all of its terms and
conditions without bargaining. Because the insured has
no opportunity to change the terms, any ambiguities in
the contract will be interpreted in favor of the insured.

Conclusion
When purchasing insurance, most of us rely on our
insurance advisor for everything - from choosing a policy
for us to filling in the insurance application forms. Most
people try to stay away from the boring legal terms of
insurance contracts, but it is always handy to be familiar
with these words and phrases and to become familiar
with the terms of the policy you are paying for.
Life Insurance Clauses Determine Your Coverage

Do you have a life insurance policy? How many times have you
gone through your policy document? Once or maybe twice, right?
And do these important clauses like incontestable clause,
spendthrift clause or reinstatement clause mean anything to you?
If you are totally clueless about terms like these, don't worry, this
is the right article for you.


Life insurance is a wealth-generating tool - it eases your surviving
family's financial burdens in your absence and also provides
periodic income, which takes care of temporary needs like
mortgage repayments, education etc. However, in order to make
sure that your life insurance policy will provide for you family when
you can't, you need to understand the product you are buying.
Here we'll cover some sections of life insurance policies that you
need to be aware of.

Beneficiary Clause
The main aim of life insurance is to transfer wealth to your heirs
or to provide liquidity to your family. For that reason, you need to
name a beneficiary who will receive the life insurance proceeds
after your death. This beneficiary can be your spouse, children or
relatives. You also can change your recipient's name any time
during the term of the policy.

However, if you still have not nominated a beneficiary, then your
family is going to be in some trouble. The insurance money will
go to your estate and the probate fees needed to settle your
estate can dig a big hole in your surviving family's liquid assets.  

Therefore, it is always practical to have a primary and a
contingent (secondary) beneficiary in your policy. For example,
you can choose your wife as a primary beneficiary and your
children as contingent beneficiaries. That way, in case your
spouse also dies, your children will qualify for the insurance
money.

You pass through various phases in your life: marriage, divorce, a
new business, the birth of your child and more. Consequently, you
need to stay with the changing times by updating your
beneficiaries to adjust for those events.

Preference Beneficiary Clause
If you have not nominated a beneficiary in your policy, your
insurance company will disburse the life insurance money to the
individuals listed in your policy. Presume that the order of priority
in your policy is: 1) your spouse, 2) your children, 3) your
parentts. If the proceeds are distributed, they will go the first
living individual which, in most cases, will be your spouse.

Survivorship Clause
According to this clause, after your death, the policy proceeds will
go to the beneficiary - for example your wife - but only if the
beneficiary survives you by a stated number of days.

Misstatement of Age Clause
Your age plays an important role in determining adequate life
insurance coverage. The older you are, the higher the premium
that is charged. Therefore, if you lie about your real age to reduce
your premiums you may to pay a huge price for it. In this
situation, your insurer may choose to cancel your policy entirely,
increase your premiums or adjust your policy amount.

Incontestable Clause
Your insurance company is entitled, usually during the first two
years of the policy, to challenge the validity of your policy on the
basis that you held back material information. If you are found
guilty of concealment, your insurer will void the policy and return
the premiums.

For instance, if you concealed the important fact that you are a
heavy drinker in order to get a lower premium and your insurer
finds out about this lie, it will not pay the claim on your death if it
occurs during the first two years of the policy.

However, after the two-year period, your insurer cannot revoke the
policy and has to pay the insurance money to your family without
any opposition.

Despite this clause, there are exceptions in which the insurance
company will not have to pay the claim, such as in cases of
deliberate fraud, where your insurer may opt to contest your policy
even after the two-year period.

This is the most important clause of your life insurance policy
and, therefore, you should make sure that this clause is included
in your policy and that you are familiar with the specified time
limit.

Spendthrift Clause
If you have named your gambler son as a beneficiary, there is a
chance that upon your death, your son's creditor may pounce on
your life insurance proceeds. The spendthrift clause gives the
insurer the right to hold back the proceeds and protect them from
creditors. In this case, your insurer may prefer to pay the
insurance money in installments to your son.

Suicide Clause
The suicide clause in your policy specifies that the insurance
company will not pay the money if the insured attempts or
commits suicide within a specified period from the beginning of
the coverage. If the insured's death is a result of suicide, an
insurer will only return previously paid premiums to the family.

War Clause
Normally, insurance companies do not compensate for death due
to war or war-related developments. As per this clause, if you are
a victim of war, your insurer will not pay out the benefits to you.
In its place, your insurer will reimburse the previously paid
premiums to your family.

Aviation Clause
According to this clause, your insurer will not pay compensation to
your surviving family due to death on an airplane.

Conversely, if you are an airline employee, you can buy aviation
insurance by paying higher premiums.

Free Look Period / Free Examination Period
If you are not satisfied with the terms and conditions of the
policy, you can return the policy within a specified period after
receiving it and your premiums will be fully refunded. Here, the
time frame will vary depending your insurer.




Grace Period Clause
There are times when you cannot pay the premiums as a result of
financial troubles. In these circumstances, the "grace period"
provision works in your favor. Your insurance company will provide
a grace period within which you can make the necessary monetary
arrangements and pay your premiums. During this time, you will
continue to be covered by your insurance policy. If you still do not
care to pay your premiums, your policy may be cancelled.

If you die within the grace period, your insurer will pay the
insurance money after subtracting the unpaid premium from that
money.

Reinstatement Clause
If your policy has lapsed due to non-payment of premium, you
can revive it by paying all the past outstanding premiums along
with interest. However, you need to prove to your insurer that you
continue to enjoy good health to qualify for this provision.

Conclusion
If you haven't yet taken the time to understand your insurance
policy, you should do so as soon as possible. Life insurance is an
asset if you know how to make the most of it, but many choose
not to bother with insurance jargon and instead choose to blindly
follow their insurance advisors - this choice can have serious
consequences for you and your family. Your knowledge of the
insurance clauses described above can give you an upper hand
when purchasing life insurance and can help you ensure that your
insurance coverage works in the best interests of your family.
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Annuities INSURANCE
Many people have made annuities part of their
retirement plan – for good reason. Annuities can help
provide for your retirement income needs. Fixed
annuities, for example, can help protect against
market losses, guarantee income and help maximize
the wealth you pass on to your heirs.

How annuities work
Simply put, an annuity is a contract between you and
an insurance company. You pay the insurance company
a single purchase payment or a series of purchase
payments. In exchange, you'll have access to
convenient withdrawal features and living benefits.

Annuities are unique because of their combination of
tax deferral and the opportunity for a stream of income
payments.

Fixed and variable annuities
There are two types of annuities – fixed and variable.
The main difference is based on how the purchase
payments are allocated. A financial advisor who is
familiar with your financial goals, objectives and risk
tolerance can help you determine which type of annuity
might be right for you.

Long-term care insurance
A secure financial future involves protecting your
financial independence if you should need long-term
care. So it's important to understand how long-term
care insurance can help safeguard you if you are no
longer able to care for yourself.

Plan ahead for long-term care
Individuals may need long-term care for an extended
period of time at home, in an assisted living facility or
at a nursing home. Since this type of care is a likely
part of most people's lives – and is costly – you may
want to incorporate long-term care insurance into your
overall financial plan.

How long-term care insurance can help
By providing access to long-term care insurance, a
financial advisor help their clients prepare for the future
and focus their energy on what's really important –
enjoying life.

An advisor can help you make informed decisions
about what works for you, including how much long-
term care may be needed, what type of care you
prefer, the cost of each option and how much to expect
from government benefits.
Homeowners' Insurance: What You Need to
Know
Get the basics on homeowners' insurance and the
importance of doing a home inventory.

Before finalizing a mortgage loan, lenders require
home buyers to purchase at least a minimal level of
"hazard insurance," which is part of the standard
homeowners' insurance policy. Hazard insurance will
cover damage or destruction by fire, smoke, wind,
hail, theft, vandalism, or another similar event. To
protect your own interests, however, you'll probably
want to buy comprehensive home owner's insurance,
including liability insurance and more complete hazard
coverage than your lender requires.

What Homeowners' Insurance Covers In addition to
covering the house, the hazard portion of your
homeowners' insurance protects furnishings and other
personal items, as well as any other structures on the
property, such as a pool or separate garage (unless
you use such structures for nonresidential purposes,
such as for your home business).

Most policies' hazard coverage doesn't include
business equipment, damage caused by natural
disasters, or loss of art or jewelry over a certain
amount. You will want to purchase additional insurance
if your house is in a high-risk area for fire, floods,
earthquakes, or other natural disasters or if you have
expensive art, jewelry, or business equipment at
home.

Standard homeowners' policies also cover some types
of personal liability -- if the mail carrier, for example,
trips over your kid's skateboard or gets clawed by your
cat, your policy will pay for the carrier's medical
expenses and other losses, up to a certain limit. Unlike
hazard insurance, this portion isn't required by your
lender -- but is a good idea anyway, since you don't
want to lose your house to pay someone's medical bills.

Finding Homeowners' Insurance Finding good
homeowners' insurance coverage has become
surprisingly difficult in some states, such as California
and Texas. High payouts for mold and other disasters
have made the insurance industry in these states
skittish. If either you or the seller of the property
have made claims for water damage (the usual
precursor to mold), you might actually find that you
can't purchase a policy -- or at least not a reasonably
priced one. Same thing goes if you've filed many
insurance claims in the past -- you might not be able to
find a company willing to sell you insurance.

You can protect yourself against the possibility of not
getting homeowners' insurance for a house you're
purchasing by making your obtaining insurance a
contingency or condition of finalizing the sale.

Claiming Homeowner Losses Guard your policy well
once you've got it. Don't file claims unless you have to
-- if you file more than two or three claims, your rates
will rise and your policy may be canceled. You are best
advised to get a policy with a high deductible, so that
you've got no reason to file lower-cost claims that will
raise your premiums or lead to future cancellation of
your policy. (Your lender may, however, insist you not
go higher than a certain deductible amount.)

Making a Home Inventory If your home is struck by a
burglary, fire, flood, earthquake, or other disaster, an
up-to-date home inventory will make it easier to deal
with police and your insurance company. Without one,
you'll have to create a list of all your property from
memory.

Fortunately, making a home inventory isn't onerous,
and might actually prompt you to prevent the loss
itself. As you inventory your possessions, you'll
become more aware of their vulnerability, and can
take steps to secure them.

Start by walking through your house with a pad of
paper and a still or video camera. Jot down a list of any
items worth more than $50 or so and take pictures of
them. Go room by room, and don't forget the garage,
attic, and basement. Be sure to include jewelry,
clothing, stamp or coin collections, CD and record
collections, silver, tools, and electronic equipment.
Then take a little time to formalize your inventory.
Insurance companies often supply inventory .
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CONSUMER INFORMATION

INSURANCE TERM               [GLOSSARY]
KNOWLEDGEFINANCIAL.COM

Accelerated Benefits/
Living Benefits Riders: These riders let policyholders,
which may be terminally ill or critically ill, draw upon a
percentage of the face value of their life insurance
policies. Conditions under which this option can be
exercised and the amount available to the policyholder
can vary with each insurance company.

Accidental Death Benefit:
An extra feature of a life insurance policy that provides
an additional benefit if the insured dies in an accident.
Because the face amount of the policy is often doubled
under this proportion.

Accumulation Period:
The period of time in a deferred annuity during which the
purchase price is deposited with the insurer and
accumulated at interest. It ends with the start of the
liquidation period.

Activities of Daily Living (ADL's):
Activities such as eating, bathing, and dressing. The
inability to perform a specified number of these activities
triggers eligibility for benefits in a long-term care
insurance contract.

Actual Cash Value:
KNOWLEDGEFINANCIAL.COM
A process for valuing property loss. Usually it is defined
as replacement cost less depreciation but in some
states is defined as fair market value.

Adverse Selection:
Selection against the insurance company. It is the
tendency for those who know that they are highly
vulnerable to specific pure risks to be most likely to
acquire and to retain insurance to cover that loss.

Agent: Consumers' primary link to an insurance company
.
Agents work with consumers to assess their needs and
plan for long-term financial stability. Agents may also be
referred to as insurance advisors, financial advisors,
financial representatives, associates, life underwriters,
and field underwriters.

Annual Exclusion:
The amount of a gift exempt from federal transfer
taxation. Currently it is $10,000 annually for gifts to any
one person. This can be increased to $20,000 if the donor
is married and the donor's spouse elects to split the gift
on a timely filed gift tax return.

Annuity: --- KNOWLEDGEFINANCIAL.COM
A financial contract that provides continuing income,
typically for retirement.

Annuitization:
The conversion of an accumulated sum of money into
benefit-paying status as an annuity.

Application for insurance:
A form that furnishes the insurance company with
necessary information on the applicant's age, sex,
address, occupation, earnings, height, weight, medical
history and other facts. The company uses this
information to determine whether or not to insure the
applicant.

Automatic Premium Loan Option:
An option associated with a cash value life insurance
policy whereby, if a renewal premium is not paid by the
end of the grace period, the insurer creates a loan
against the cash value in the amount of the unpaid
premium.

Basis Point:
One one-hundredth of a percentage point (for example, a
rise in yield from 6 percent to 6 3/4 percent is a gain of 75
basis points)

Binder: --- KNOWLEDGEFINANCIAL.COM
A written or oral agreement between an agent and an
applicant for insurance whereby the principal-insurer is
committed to provide the desired insurance, at least on a
temporary basis

Buy-sell Agreement:
A contract binding the owner of a business interest to
sell the business interest for a specified or determinable
price at his or her death or disability and a designated
purchaser to buy at that time.

Cafeteria Plan:
An employee benefit plan under which an employee can
use a specified amount of employer funds and/or salary
reductions to design his or her own benefit package from
an array of available benefits.

Cancelable:
A contract in which the insurance company reserves the
right to terminate the coverage at any time (and perhaps
for any reason) during the term of coverage by providing
notice to the insured.

Capital Needs Analysis:
A system for determining how much life insurance a
client needs if the principal sum is to be preserved in the
process of meeting the financial objectives for his or her
survivors.

Cash Value: ---
KNOWLEDGEFINANCIAL.COM
The savings element that builds up in a permanent life
insurance policy, an endowment policy, or an annuity
contract.

COBRA:
A provision of the Consolidated Omnibus Budget
Reconciliation Act of 1985 that requires group health
plans to allow employees and certain beneficiaries to
elect that their current health insurance coverage be
extended at groups rates for up to 36 months, following a
qualifying event that results in the loss of coverage. The
provision applies only to employers with 20 or more
employees. In addition, a person electing COBRA
continuation can be required to pay a premium equal to
as much as 102 percent of the cost to the employee
benefit plan for the period of coverage for a similarly
situated active employee to whom a qualifying event has
not occurred.

Coinsurance:
The percentage of covered expenses under a major
medical plan that is paid once a deductible is satisfied.
The most common coinsurance is 80 percent. A
provision whereby a property owner must share in a loss
if the amount of insurance carried is less than a
specified percentage of value. A reinsurance
arrangement in which a primary life insurance company
cedes a specified percentage of the face amount of a
policy or block or policies to a reinsurer.
Net Payment Cost Index:
A method of estimating the net cost of life insurance
on a time-value-adjusted basis if the policy's death
benefit is paid at the end of a specified time period.

No-Fault: --- KNOWLEDGEFINANCIAL.COM
A modification of the traditional tort liability system
that provides first-party benefits to injured persons
and imposes some restrictions on their rights to
sue negligent parties.
Noncancelable: An insurance contract in which the
insured has the right to renew the coverage at each
policy anniversary date, usually up to some stated
age, and the coverage may not be terminated by the
insurer during the term of coverage. Also the rates
for the coverage are guaranteed in the contract,
though they are not necessarily level.

Nonforfeiture Value:
The savings element in permanent life insurance
policies. Also sometimes called the cash value.

Nonparticipating Policy:
A type of insurance policy on which no dividends are
paid to the policyowner, but it has a fixed premium
that is often lower than that of a participating policy.

OASDHI:
The old age, survivors, disability, and heath
insurance program for the federal government. This
program consists of Social Security and Medicare.

Option Renewable Policy:
The company may or may not renew the policy at
each premium due date. The policy cannot be
cancelled between such dates.
Other than Collision: The term used in automobile
insurance to refer to physical damage to a vehicle
that is not caused by collision (formerly referred to
as comprehensive).

Pain and Suffering:
Intangible losses arising from bodily injury.
Participating Party: A life insurance policy that
distributes company surplus funds to policyholders
as dividends.
Permanent life insurance policy:
Type of life insurance (other than term insurance)
that accrues cash value and is designed for
long-term, or permanent, needs of a policyholder.
Includes whole, universal and variable life, among
others.

Personal Injury Protection (PIP):
The usual name that is applied to a state's no-fault
benefits.

Personal Property Floater:
A policy to provide "all-risks" coverage for
unscheduled personal property on a world-wide
basis.

Policyowner: --- KNOWLEDGEFINANCIAL.COM
The person or organization that owns an insurance
policy. The policyowner generally has the right to
change, renew, or cancel the policy and the
obligation to comply with policy conditions, such as
premium payments.

Preexisting Condition:
An illness or condition of health that originated prior
to the issuing of the policy.

Preferred Provider Organization (PPO):
A group of health care providers that contracts with
employers, insurance companies, union trust funds,
third-party administrators, or others to provide
medical care services at a reduced fee. PPOs can
be organized by the providers themselves or by
organizations such as insurance companies, the
Blues, or groups of employers.

Premium: ---
KNOWLEDGEFINANCIAL.COM
The price charged for a period of coverage provided
by an insurance policy and found by multiplying the
rate by the number of units of coverage.

Presumed Negligence: ---
KNOWLEDGEFINANCIAL.COM
Negligence that can be assumed from the facts of
certain situations. It can occur if (1) the action
would not normally cause injury without negligence,
(2) the action is within the control of the party to be
held liable, and (3) the party to be held liable has
superior knowledge of the cause of the accident or
the injured party is unable to prove negligence.

Primary Beneficiary:
The beneficiary in a life insurance policy who is first
entitled to receive the policy proceeds upon the
insured's death.

Primary Insurance Amount (PIA):
The amount a worker will receive under Social
Security if he or she retires at age 65 or becomes
disabled. It is also the amount on which all other
Social Security income benefits are based.
Real Property: Land and anything that is growing on
it, erected on it, or affixed to it, and the bundle of
rights inherent in the ownership.

Rehabilitation Benefit:
A benefit under workers' compensation laws or
disability income plans that provides rehabilitative
services for disabled workers. Benefit may be given
for medical rehabilitation and for vocational
rehabilitation, including training, counseling, and job
placement.

Replacement:
The replacing of one life insurance policy with
another. To prevent financial harm to the
policyowner, agents and insurers must follow
prescribed procedures.
Rider: The term used in life insurance in place of the
term endorsement.

Settlement Options:
The ways that policyholders or beneficiaries may
choose to have benefits paid other than a lump sum.

Split-Dollar Life Insurance:
A plan under which two parties, usually an employer
and an insured employee, share the premium costs,
death proceeds, and perhaps cash value of a life
insurance policy pursuant to a prearranged
agreement.

Stop-Loss Limit:
KNOWLEDGEFINANCIAL.COM
The maximum amount of out-of-pocket medical
expenses that a covered person must pay in a given
period (usually one year). After this limit is reached,
future copayments and deductibles are waived for
the remainder of the period.

Subrogation:
A process by which an insurer takes over the legal
rights its insured has against a responsible third
party.

Suicide Clause: --
KNOWLEDGEFINANCIAL.COM
A life insurance policy provision that specifies that if
the insured, whether sane or insane, commits
suicide during the first one or 2 years of the policy,
the insurer will be liable only for a return of the
premium.

Surgical Schedule:
A list of the cash amounts that will be paid for
various types of surgery with the amount payable
generally based upon the seriousness of the
operations.

Term Insurance:
Life insurance written for a specific time period and
payable only if the policyholder dies within that time
period.

Time limit on certain defenses:
This clause in an insurance policy is required under
state law. After two years, misstatements on the
application, (except fraudulent ones), can not be
used to void the policy or deny a claim. At the end of
the two-year period, a claim may not be denied on
the grounds that a disease or physical condition, not
specifically excluded by name, had existed before
the policy went into effect.

Title Insurance:
KNOWLEDGEFINANCIAL.COM
Protection for the purchaser of real estate against
defects in title that occurred prior to the effective
date of coverage but are discovered after the
effective date.

Umbrella Liability Insurance:
A personal or business liability policy that provides
high limits for a broad range of liability situations.
The policyowner is required to have underlying
liability coverage of specific amounts. Claims not
covered by the underlying insurance are subject to
a self-insured retention.

Uninsured Motorist Coverage:
An automobile insurance coverage that enables an
insured to collect from his or her own insurance
company for bodily injuries (and property damage in
a few states) that are caused by a legally liable, but
uninsured driver.

Universal life insurance:
A flexible life insurance policy allowing the
policyholder to change the death benefit from time
to time, and vary the amount or time of a premium
payment.

Variable life insurance:
Life insurance under which the benefits vary, but
never below a guaranteed minimum benefit, based
on the value of assets behind the contract at the
time the benefit is paid.

Variable Universal Life Insurance:
A type of life insurance policy that combines the
premium flexibility features of universal life
insurance with the policyowner--directed
investment aspects of variable life insurance.

Whole Life:
Life insurance coverage that remains in force
during the insured's entire lifetime, provided
premiums are paid as specified in the policy.m
Comparative Negligence:
The legal principle whereby an injured party can
recover a portion of the damage for his or her injuries if
he or she were also negligent. In some jurisdictions, a
plaintiff can recover only if his or her negligence is less
(or not more) than the defendant's negligence.

Conditional Receipt:
A receipt given to an applicant of life insurance in
exchange for the payment of the first premium in which
the insurer, through its agent, specifies that the
coverage will be effective as of the date of the receipt,
subject to the condition that the proposed insured later
be found to have been insurable as of the date the
receipt was issued.

Contestability Period:
Usually a specific time frame, commonly two years,
during which the insurer may deny coverage, void a
contract or question the validity of a claim.

Contingent Beneficiary:
The person designated to receive the death proceeds
of a life insurance policy if the primary beneficiary
predeceases the insured.

Contingent Liability:
Legal liability that arises because of work performed by
an independent contractor, such as a subcontract of a
business.
Cross-purchase Agreement: A business buy-sell
agreement in which the surviving co-owners will be the
purchasers of the business interest of a deceased
owner.

Conversion: KNOWLEDGEFINANCIAL.
COM
A provision in a group benefit plan that gives an
employee whose coverage ceases the right to convert
to an individual insurance policy without providing
evidence of insurability. The conversion policy may or
may not be identical to the prior group coverage.

Convertibility:
A feature in term life insurance that allows the insured
to replace the term coverage with permanent individual
life insurance without having to show evidence of
insurability. In group insurance, the right is available
only at certain times, including termination of the
insured from the group or from an eligible class within
the group.

Coordination of benefits:
Coordination of benefits prevents duplication or
overlapping for the same expense when a policyholder
owns two or more group policies. This allows one
insurance carrier to be aware of any other insurance
coverage the policyholder may have. The two
companies determine which company has the primary
responsibility to pay and which company has the
secondary responsibility after the benefits from the
primary insurer are exhausted.

Co-insurance: ---
KNOWLEDGEFINANCIAL.COM
A provision of a medical expense insurance policy that
requires the insured to pay a percentage of all eligible
medical expenses, in excess of the deductible, that
result from sickness or injury.

Cost-of-Living Adjustments (COLA):
Increases in benefit levels because of changes in some
index, such as the CPI. These increases apply to Social
Security income benefits and sometimes to benefits
under private insurance and retirement programs.

Deductible: --- KNOWLEDGEFINANCIAL.
COM
The amount a policyholder must pay before insurance
covers any expenses. The insurance program pays
benefits only for losses over the amount stated in the
deductible provision.
Dependent: Most commonly defined under a group
medical expense plan to include an employee's spouse
who is not legally separated from the employee and any
other unmarried dependent children (including
stepchildren and adopted children) under age 19 or, if
full time students, age 23.

Disability Insurance:
Health insurance designed to provide financial
payments to replace an insured's income if he/she is
unable to work due to an illness or injury.

Dividend Options:
A set of provisions in a participating life insurance
policy that describe how the policyowner can use the
dividends, usually to reduce the premium payment, to
buy additional paid-up permanent insurance, to
accumulate at interest, to buy term insurance, or to
make the policy a paid-up policy at an earlier age than
originally planned.

Elimination period or waiting period:
The time a policyholder must be insured under the
policy before he/she is eligible for benefits.

Endorsement:---
KNOWLEDGEFINANCIAL.COM
A provision added to a property or liability insurance
policy, sometimes for an extra premium charge, by
which the scope of the policy's coverage is clarified,
restricted, or enlarged.

Endowment
: A type of life insurance policy that pays the face
amount if the insured dies during a specific period of
time and also pays the face amount if he or she lives to
end of that period.

Errors and Omissions Insurance:
A type of professional liability for those in occupations
such as real estate appraising and accounting, where
the professional's acts or omissions are unlikely to
result in bodily injury.

Estate Tax:
A tax imposed upon the right of a person to transfer
property at death. The federal government and many
states levy such taxes.
Exclusions: This term refers to losses or risks that a
policy does not cover.

Exclusion Ratio: --- KNOWLEDGEFINANCIAL.
COM
The ratio used to determine the portion of the benefit
payment from an annuity that is tax free as a return of
the investment in the contract. It is the ratio of the total
amount invested to the total amount expected to be
received.

Extended Care Facility:
A skilled nursing home o rehabilitation center equipped
to provide full nursing care that has a transfer
agreement with a hospital.

Fiduciary Bond:
A bond that guarantees that a person who is
responsible for the property of another faithfully
exercises his or her duties, gives proper accounting of
any property received, and makes proper
indemnification if the court determines that the
principal is responsible for any financial loss that
relates to the property. It is often required of persons
who act as administrators, trustees, or guardians.

Face amount: ---
KNOWLEDGEFINANCIAL.COM
The amount stated on the policy that will be paid at
death or maturity. It does not include additional
amounts payable under accidental death or other
special provisions, or acquired through the use of
policy dividends.

Fifth Dividend Option:
A provision in cash value life insurance whereby
dividends can be used to purchase increasing term
insurance.

Fixed Annuity:
An annuity that provides a stated dollar benefit,
regardless of the insurer's investment return.

Free-look period:
Time during which the policyholder may return the
policy if he/she is not completely satisfied and receive a
complete refund. The customary length of time for a
"free look" is 30 days for policies purchased through
the mail and 10 days for those purchased from an
agent.

General Agent:
In the legal sense, an agent who has the authority to
bind the insurance company on a risk. In life insurance
marketing, the term refers to an entrepreneur who is
granted a franchise by an insurer to build an agency
force for the marketing of the insurer's products in a
given geographic area.

Grace Period: ---
KNOWLEDGEFINANCIAL.COM
An additional period of time, usually 31 days, granted in
some types of insurance for the policyowner to pay the
premium after it has become due. During the grace
period, the coverage remains in force.

Guaranteed Renewable:
A policy that is renewable at the policyholder's option
and cannot be terminated by the insurance company.

Health Maintenance Organization (HMO):
A managed system of health care that provides a
comprehensive array of medical services on a prepaid
basis to voluntarily enrolled persons living within a
specific geographic region. HMO's both finance health
care and deliver health services. There is an emphasis
on preventive care as well as cost control.

Health Savings Accounts (HSAs):
An HSA is a tax-exempt trust or custodial account
established for the purpose of paying medical
expenses in conjunction with a high-deductible health
plan.
The HSA cannot stand alone — it can only be combined
with a high deductible health insurance plan. A number
of the rules that apply to HSAs are similar to rules that
apply to individual retirement arrangements (IRAs).

Hold-Harmless Agreement:
An agreement in which one party, such as a tenant,
accepts the responsibility of another party, such as a
landlord, for losses that would otherwise fall on that
other party.

Hospice: --- KNOWLEDGEFINANCIAL.
COM
A health care facility or service that provides benefits
to terminally ill persons. The emphasis is on easing the
physical and psychological pain associated with death
rather than on curing a medical condition.

Hospital Indemnity Insurance:
A medical expense policy that pays a fixed dollar
amount for each day a person is hospitalized,
regardless of other insurance.
Implied Warranty: An obligation imposed by law on the
manufacturer or distributor of products.

Inflation Guard Endorsements:
A homeowners endorsement that provides an
automatic increase for property coverages. The
policyowner selects the annual percentage rate.

Insurable Interest:
A right or relationship with regard to the subject matter
of an insurance contract such that the insured will
suffer financial loss from damage, loss, or destruction
to that subject matter.

Joint-and-Last-Survivor Annuity:
An annuity whose benefit payments continue until the
last death among specified lives.

Joint-Life Policy: ---
KNOWLEDGEFINANCIAL.COM
A type of life insurance policy covering two or more
persons in which the proceeds are payable on the
death of the first one to die.

Life Annuity Certain:
A life annuity that provides a guaranteed minimum
number of benefit payments whether the annuitant live
or dies. It is a combination of an annuity certain and a
pure deferred life annuity.
Liquidity: The ability to convert an investment asset into
cash quickly without loss of value.

Long-Term Care Insurance:
A form of health insurance that usually provides
coverage for custodial care, intermediate care, and
skilled-nursing care. Benefits may also be available for
home health care, adult day care, and assisted living.
Benefits are usually limited to a specified dollar amount
per day.

Loss Ratio Method of RateMaking:
A method in which the actual loss ratio is compared to
the desired or expected loss ratio to determine the
change needed in an existing insurance rate.

Major Medical Insurance:
A medical insurance plan designed to provide
substantial protection against catastrophic medical
expenses. There are a few exclusions and limitations,
but deductibles and coinsurance are commonly used.

Managed Care:
A process to deliver cost-effective health care without
sacrificing quality or access. Common characteristics
include controlled access to providers, comprehensive
case management, preventive care, risk taking, and
high-quality care.

Marital Deduction: --- KNOWLEDGEFINANCIAL.COM
An unlimited amount that can be taken as a deduction
against the federal gift and estate tax for transfers to
the donor's spouse.
Medicaid: A joint federal and state program to provide
medical expense benefits for certain classes of low-
income individuals and families.

Medical Savings Account:
An alternative to first-dollar coverage under a medical
expense plan. An employee is given medical expense
coverage that has a high deductible, and money is
deposited into the medical spending account so that
the employee can pay for expenses below the
deductible amount. Any monies not used at the end of
the year are paid to the employee.

Medicare:
The health insurance portion of the Social Security
program that is available to persons age 65 or older
and limited categories of persons under age 65.

Medigap Policy:
An individual health insurance contract that covers
certain expenses not covered by Medicare. These
expenses include such items as deductibles,
copayments, and noncovered services like prescription
drugs.
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-The Income-Tax Treatment of Life Insurance/ ADVANTAGES OF A LIFE
INSURANCE POLICY.-

-It is important to know how certain tax benefits come into play with
death proceeds and living benefits.-

Historically, life insurance has been considered beneficial to the public good because it
contributes to the financial well-being of families. As a result, there are certain tax benefits for
life insurance products. It is important to know how these come into play with the death
proceeds and living benefits of an individual life insurance contract.


Premiums: Policy premiums are considered a personal expense and are not
deductible for income-tax purposes. Exceptions to this include premiums that a person paid for
life insurance in an alimony agreement or for a policy that is owned by and paid to a charity.

In business situations, employers may deduct premiums as a business expense if they are paid
in the form of a bonus to the employee. If life insurance is part of a pension plan, employer-paid
premiums are deductible.

Death benefits: Death proceeds are generally exempt from income
taxation when they are paid in a lump sum.


Accelerated death benefits: For an insured who is terminally ill, the amounts he
receives are excludible from income because they areconsidered as payable by reason of the
death of the insured. A physician must certify the terminal illness, which must be expected to
result in death within 24 months.


Transfer for value: When a policy is transferred for valuable
consideration (according to the IRS, any absolute transfer for value of a right to receive all
or a part of the proceeds of a life insurance policy) to another owner, part of the death benefit
becomes taxable.

The taxable amount is the death benefit reduced by the amount paid to transfer the policy and
the premiums made by the new owner. Transactions exempt from this rule include situations in
which the policy is sold to the insured.


Matured life contracts: When a policy reaches the maturity date, the
proceeds are not considered a death benefit, and any gains in the policy are considered
ordinary income for the tax year in which they are distributed. Gains are amounts received in
excess of the cost basis, the amount paid with after-tax money.


Dividends: The cash dividend is taxable only when it exceeds the cost
basis. Dividends are generally taxed on a first-in first-out, or FIFO, basis; withdrawals are
treated as a nontaxable return of capital (refund of premium) to the extent of the premiums
paid. If dividends are withdrawn or the policy is surrendered, proceeds received in excess of
premiums paid are considered ordinary income. If dividends accumulate at interest, the interest
earned is
taxable.

Loans: Policy loans are normally not taxable. If a policy is surrendered with a loan
outstanding, and if that loan, with other cash value, is greater than the cost basis, there is a
taxable gain.

Cash surrenders: Upon surrender, it must be determined if the amount received exceeds
the net premiums paid. Net premiums paid means the gross premium less any dividends
received and outstanding loans. The difference is reportable as ordinary taxable income in the
year it is received
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