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Frequently
Used Life Insurance Terms -  |
Beneficiary: The
person(s) named in the policy to receive
the life insurance proceeds upon the death
of the insured. Cash (Surrender)
Value: The amount that is available in cash
for loans and that may be available for
withdrawals. Accessing Cash Surrender Value
may reduce the death benefit and may increase
the risk of lapse.
Convertible Term Insurance: Term insurance,
which can be exchanged (converted), at the
option of the policy-owner and without evidence
of insurability, for a permanent insurance
policy.
Face Amount: The amount stated on the face
of the policy that will be paid in case
of death. It does not include additional
amounts payable under accidental death or
other special provisions, or acquired through
the application of policy dividends.
Insurability: Acceptability to the company
of an applicant for insurance. Insured or
Insured Life: The person on whose life the
policy is issued.
Level Premium (Life Insurance): Life insurance
for which the premium remains the same from
year to year. The premium is normally more
than the actual cost of protection during
the earlier years of the policy and less
than the actual cost in the later years.
The building of a reserve is a natural result
of level premiums. The payments in the early
years, together with the interest that is
to be earned, serves to balance out the
underpayment of the later years.
Loan (Policy Loan): A loan made by a life
insurance company from its general funds
to a policy-owner on the security of the
cash value of a policy. Paid-up Insurance:
Insurance that will remain in force with
no need to pay additional premiums. Participating
Policy: A life insurance policy that is
eligible for the payment of dividends by
the insurer (see also Dividend).
Permanent (Life Insurance): Any form of
life insurance except term; generally insurance
that builds up a cash value, such as whole
life.
Policy owner: The person who owns a life
insurance policy. This is usually the insured
person, but it may also be a relative of
the insured, a partnership or a corporation.
Premiums: Payments to the insurance company
to buy a policy and to keep it in force.
Renewable Term Insurance: Term insurance,
which can be renewed at the end of the term,
at the option of the policy-owner and without
evidence of insurability, for a limited
number of successive terms. The rates generally
increase at each renewal as the age of the
insured increases.
Term Insurance: Term life insurance is life
insurance coverage at a guaranteed rate
for a specified period of time. (Example:
30-year level term would guarantee a level
premium for 30 years based on a specified
death benefit). Term life insurance is usually
the least expensive form of life coverage.
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At 1stinsured
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