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Listed below is a useful guide to life insurance terms. It is a list of definitions of life insurance terms that may or may not be familiar to you.

Accelerated Benefit Provision

A provision in many new policies which will allow the policy owner to receive a portion of the death benefit early if the insured person is diagnosed with a terminal illness or permanently confined to a nursing home.

Accidental Death Benefit

A provision added to a policy that provides an additional benefit if the insured dies from accidental causes.

Certificate

A document provided to a person insured under a group insurance policy that provides evidence that the coverage exists.

Convertible Term Insurance

These policies allow conversion, without further medical evidence Draymond Green Jersey , to a different type of policy from an insurance company's range.

Decreasing Term Insurance

The sum assured decreases each year throughout the term of the policy.

Dependent protection

Where the protection is required on a permanent basis rather than just for a specified term.

Evidence of Insurability

Medical and other information about a person applying for insurance that the life insurance company keeps confidential, but uses to decide whether the policy can be issued and what premiums will be charged.

Face Amount

The amount to be paid to the beneficiary when the insured dies.

Free Look

The right of the policy holder to have a period of ten or more days to examine an insurance policy Klay Thompson Jersey , and if not satisfied, return it to the company for a full refund of all amounts paid.

Grace Period

A period of time after the premium due date when an overdue premium may be paid without penalty. The policy remains in force throughout the period.

Guaranteed Insurability

An option that permits the policyholder to buy additional stated amounts of life insurance at certain times in the future DeMarcus Cousins Jersey , without having to provide new evidence of insurability.

Illustration

A document used in life insurance sales presentations showing year-by-year numbers indicating how a policy will work.

Increasing Term Insurance

Under this option, the benefit payable on death increases and is particularly useful to avoid the sum assured being eroded by inflation.

Insured

The person whose life is covered by a life insurance policy.

Lapse

The discontinuation of insurance without cash value when the required premium is not paid.

Level Term Life Insurance

In this form a policy will pay out a fixe. Cheap Air Max Jordan Shoes For Sale Nike Air Max 2018 Sale Cheap Jerseys Wholesale Jerseys Free Shipping [