# A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
Discover what a payroll audit entails in the context of liability insurance and workers compensation. Learn about the examination process conducted by insurance company representatives to determine the premium due for the most recent policy year.
Dive into the concept of retention of risk, a primary risk management technique where a business assumes the responsibility for potential losses instead of insuring against them.
A comprehensive guide to what qualifies as sickness in health insurance policies, excluding mental illness.
Learn about the role of the Pharmacy and Therapeutics Committee (P&T) in health insurance, how it influences prescription drug use, and its importance to health plans.
Learn about buy-back deductible in general insurance, where a deductible can be eliminated by paying an extra premium. Understand its implications, benefits, and scenarios where it is applicable.
Understand what a confining condition in health insurance entails. Learn how illnesses or disabilities that force confinement at home or a medical facility affect your coverage.
Learn about covered expenses in health insurance, including what qualifies for reimbursement or coverage under your policy. Understand the essentials for managing your healthcare costs effectively.
Understand the significance of an emergency fund in life insurance and how it provides immediate financial relief to the beneficiaries during the time before the deceased's estate is finalized.
Understand the concept of an exception in health insurance policies. Learn about clauses in policy contracts that void or remove the obligation for coverage, and how these can impact your health insurance benefits.
Learn about fraternal insurance, a special type of insurance specifically for members of a fraternal group or lodge that covers health and life insurance needs.
Understand the gatekeeper model in health insurance, where the primary care physician acts as a gatekeeper, directing patient care and referrals. Learn how this affects HMO and PPO plans.
Learn about the gender rule in health insurance, which determines which parent's policy will primarily cover dependent children. Find out how the father's policy is prioritized for claims under this rule.
Learn about the role of an independent contractor in general insurance, including how they differ from employees and the implications for contracts and coverage.
Learn about 'Insurance to Value' in general insurance, which refers to an insurance contract that estimates the worth of the items insured. Ensure full coverage for your valuable assets.
Learn about inter vivos trust, a legal arrangement made effective during the grantor’s lifetime. Explore its benefits, types, and application in estate planning.
Learn about Limited Agents in the insurance industry. Understand their restrictions to specific forms of insurance like travel insurance, and state-specific education and licensing exemptions.
Understand the essentials of a mutual insurer policy, a type of coverage written by an insurer that operates without incorporated capital belonging to the policyholders yet remains an incorporated entity.
Learn about the Omnibus Clause in general insurance terms, a stipulation that extends coverage to other individuals not specifically named in the contract, enhancing the policy's definition of insured.
Explore the concept of open rating in general insurance, where insurers use state-allowed rates that were not previously approved. Learn how this system impacts policy pricing.
Learn what an 'Outpatient' means in the context of health insurance, including how they receive treatment without staying overnight in a hospital.
Learn about Owners, Landlords, and Tenants Liability Insurance, a form of liability insurance covering public spaces, providing protection against bodily injury or property damage caused by negligence.
Explore the various settlement options available in life insurance policies beyond the traditional lump sum payment. Learn about choosing the right payout alternative for your needs.
Learn what Short Rate Cancellation in general insurance means. Discover how early termination of your insurance policy can lead to higher costs.
Learn about the Ten Day Free Look period in health insurance, a consumer right that allows you to fully inspect your policy and return it within ten days for a full refund.
