Exam terms
Florida Life & Health Insurance License exam terms
622 terms to know, grouped by exam module. Each links to its definition and the lesson that uses it.
Types of life policies and features
- Accumulation phase Used in Annuity premium and timing structures, Annuity classification and payout options
- Adverse selection Used in Term life renewability and convertibility features
- Annual renewable term Used in Term life insurance types, Term life renewability and convertibility features
- Annuitant Used in Annuity classification and payout options
- Annuity Used in Annuity classification and payout options
- Annuity intermediary Used in Annuity premium and timing structures
- Annuity starting date Used in Annuity premium and timing structures, Annuity classification and payout options
- Attained age Used in Term life insurance types, Term life renewability and convertibility features
- Attained-age conversion Used in Term life renewability and convertibility features
- Beneficiary Used in Annuity classification and payout options
- Buy-sell agreement Used in Combination and survivorship life plans
- Cap Used in Interest- and market-sensitive life products
- Cash compensation Used in Annuity premium and timing structures
- Cash surrender value Used in Traditional whole life products
- Combination plan Used in Combination and survivorship life plans
- Consumer profile information Used in Annuity premium and timing structures
- Conversion privilege Used in Term life renewability and convertibility features
- Convertibility Used in Term life insurance types, Term life renewability and convertibility features
- Convertible term Used in Term life renewability and convertibility features
- Cost of insurance Used in Traditional whole life products, Interest- and market-sensitive life products
- Credit life insurance Used in Term life insurance types
- Current interest rate Used in Interest- and market-sensitive life products
- Decreasing term Used in Term life insurance types
- Deferred annuity Used in Annuity premium and timing structures
- Evidence of insurability Used in Term life insurance types, Term life renewability and convertibility features
- Exclusion ratio Used in Annuity premium and timing structures, Annuity classification and payout options
- Extended term insurance Used in Traditional whole life products
- Family plan Used in Combination and survivorship life plans
- FINRA registration Used in Interest- and market-sensitive life products
- Fixed amount Used in Annuity classification and payout options
- Fixed annuity Used in Annuity classification and payout options
- Flexible premium Used in Interest- and market-sensitive life products, Annuity premium and timing structures
- Floor Used in Interest- and market-sensitive life products
- FPDA Used in Annuity premium and timing structures
- General account Used in Interest- and market-sensitive life products
- Guaranteed cash value Used in Traditional whole life products
- Guaranteed death benefit Used in Traditional whole life products
- Guaranteed minimum interest rate Used in Interest- and market-sensitive life products
- Immediate annuity Used in Annuity premium and timing structures
- Increasing death benefit option Used in Interest- and market-sensitive life products
- Increasing term Used in Term life insurance types
- Indexed annuity Used in Annuity classification and payout options
- Indexed universal life Used in Interest- and market-sensitive life products
- Industrial life insurance Used in Traditional whole life products
- Insurable interest Used in Traditional whole life products, Combination and survivorship life plans
- Interest-sensitive (current assumption) whole life Used in Interest- and market-sensitive life products
- Irrevocable life insurance trust Used in Combination and survivorship life plans
- Joint and survivor Used in Annuity classification and payout options
- Joint life (first-to-die) Used in Combination and survivorship life plans
- Lapse Used in Interest- and market-sensitive life products
- Level death benefit option Used in Interest- and market-sensitive life products
- Level premium Used in Traditional whole life products
- Level premium term Used in Term life insurance types
- Level term Used in Term life insurance types
- Life with period certain Used in Annuity classification and payout options
- Life with refund Used in Annuity classification and payout options
- Limited-pay whole life Used in Traditional whole life products
- Marital deduction Used in Combination and survivorship life plans
- Net amount at risk Used in Interest- and market-sensitive life products
- Nonforfeiture provision Used in Traditional whole life products
- Nonparticipating policy Used in Traditional whole life products
- Ordinary whole life Used in Traditional whole life products
- Original age conversion option Used in Term life insurance types, Term life renewability and convertibility features
- Owner Used in Annuity classification and payout options
- Paid-up nonforfeiture benefit Used in Traditional whole life products
- Participating policy Used in Traditional whole life products
- Participation rate Used in Interest- and market-sensitive life products
- Payout phase Used in Annuity classification and payout options
- Period certain Used in Annuity classification and payout options
- Periodic premium Used in Annuity premium and timing structures
- Policy dividends Used in Traditional whole life products
- Prospectus Used in Interest- and market-sensitive life products
- Rated policy Used in Combination and survivorship life plans
- Re-entry term Used in Term life insurance types, Term life renewability and convertibility features
- Reduced paid-up insurance Used in Traditional whole life products
- Renewability Used in Term life insurance types, Term life renewability and convertibility features
- Renewable term Used in Term life renewability and convertibility features
- Separate account Used in Interest- and market-sensitive life products
- Settlement option Used in Annuity classification and payout options
- Single premium Used in Annuity premium and timing structures
- Single-premium whole life Used in Traditional whole life products
- SPDA Used in Annuity premium and timing structures
- SPIA Used in Annuity premium and timing structures
- Standard Nonforfeiture Law for Life Insurance Used in Traditional whole life products
- Straight life (life only) Used in Annuity classification and payout options
- Subaccounts Used in Interest- and market-sensitive life products
- Surrender charge Used in Annuity premium and timing structures
- Survivorship (second-to-die) Used in Combination and survivorship life plans
- Term life insurance Used in Term life insurance types
- Universal life Used in Interest- and market-sensitive life products
- Variable annuity Used in Annuity classification and payout options
- Variable life Used in Interest- and market-sensitive life products
- Variable universal life Used in Interest- and market-sensitive life products
Life policy riders, provisions, options, and exclusions
- Absolute assignment Used in Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Accelerated death benefit Used in Term, other-insured, and long-term-care riders, Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Accidental death and dismemberment Used in Waiver, guaranteed-insurability, payor, and accidental-death riders
- Accidental death benefit Used in Waiver, guaranteed-insurability, payor, and accidental-death riders
- Activities of daily living (ADLs) Used in Term, other-insured, and long-term-care riders
- Any occupation Used in Return-of-premium, disability, and cost-of-living riders
- Assignment Used in Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Aviation exclusion rider Used in Policy exclusions: war, aviation, and dangerous occupation
- Avocation Used in Policy exclusions: war, aviation, and dangerous occupation
- Beneficiary Used in Beneficiary designation rules
- Capital sum Used in Waiver, guaranteed-insurability, payor, and accidental-death riders
- Cash surrender value Used in Reinstatement, policy loans, and nonforfeiture options
- Change of Occupation provision Used in Policy exclusions: war, aviation, and dangerous occupation
- Children's term rider Used in Term, other-insured, and long-term-care riders
- Chronically ill Used in Term, other-insured, and long-term-care riders
- Class designation Used in Beneficiary designation rules
- Collateral assignment Used in Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Consideration Used in Core contract provisions: entire contract, insuring clause, free look, consideration, owner's rights
- Consideration clause Used in Core contract provisions: entire contract, insuring clause, free look, consideration, owner's rights
- Contestable period Used in Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Contingent (secondary) beneficiary Used in Beneficiary designation rules
- Cost-of-living rider Used in Return-of-premium, disability, and cost-of-living riders
- Decreasing term rider Used in Term, other-insured, and long-term-care riders
- Disability income rider Used in Return-of-premium, disability, and cost-of-living riders
- Divisible surplus Used in Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Double indemnity Used in Waiver, guaranteed-insurability, payor, and accidental-death riders
- Elimination (waiting) period Used in Waiver, guaranteed-insurability, payor, and accidental-death riders, Return-of-premium, disability, and cost-of-living riders
- Entire contract provision Used in Core contract provisions: entire contract, insuring clause, free look, consideration, owner's rights
- Evidence of insurability Used in Reinstatement, policy loans, and nonforfeiture options
- Exclusion Used in Policy exclusions: war, aviation, and dangerous occupation
- Exclusion rider Used in Policy exclusions: war, aviation, and dangerous occupation
- Extended term insurance Used in Reinstatement, policy loans, and nonforfeiture options
- Extension of benefits rider Used in Term, other-insured, and long-term-care riders
- Facility-of-payment clause Used in Beneficiary designation rules
- Family rider Used in Term, other-insured, and long-term-care riders
- Flat extra Used in Policy exclusions: war, aviation, and dangerous occupation
- Free-look period Used in Core contract provisions: entire contract, insuring clause, free look, consideration, owner's rights
- Grace period Used in Premium payment modes and grace period
- Guaranteed insurability rider Used in Waiver, guaranteed-insurability, payor, and accidental-death riders, Return-of-premium, disability, and cost-of-living riders
- Incontestability clause Used in Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Industrial life insurance Used in Premium payment modes and grace period, Reinstatement, policy loans, and nonforfeiture options
- Insurable interest Used in Beneficiary designation rules
- Insuring clause Used in Core contract provisions: entire contract, insuring clause, free look, consideration, owner's rights
- Irrevocable beneficiary Used in Core contract provisions: entire contract, insuring clause, free look, consideration, owner's rights, Beneficiary designation rules
- Lapse Used in Premium payment modes and grace period
- Long-term-care rider Used in Term, other-insured, and long-term-care riders
- Master policy Used in Term, other-insured, and long-term-care riders
- Misstatement of age or sex provision Used in Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Modal loading Used in Premium payment modes and grace period
- Nonforfeiture values Used in Reinstatement, policy loans, and nonforfeiture options
- Notice to Buyer Used in Term, other-insured, and long-term-care riders
- Other-insured rider Used in Term, other-insured, and long-term-care riders
- Outline of coverage Used in Term, other-insured, and long-term-care riders
- Own occupation Used in Return-of-premium, disability, and cost-of-living riders
- Owner's rights Used in Core contract provisions: entire contract, insuring clause, free look, consideration, owner's rights
- Paid-up additions Used in Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Paid-up nonforfeiture benefit Used in Reinstatement, policy loans, and nonforfeiture options
- Participating policy Used in Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Payor benefit rider Used in Waiver, guaranteed-insurability, payor, and accidental-death riders, Return-of-premium, disability, and cost-of-living riders
- Per capita Used in Beneficiary designation rules
- Per stirpes Used in Beneficiary designation rules
- Policy dividends Used in Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Policy loan Used in Reinstatement, policy loans, and nonforfeiture options
- Policyowner Used in Core contract provisions: entire contract, insuring clause, free look, consideration, owner's rights
- Premium due date Used in Premium payment modes and grace period
- Premium payment mode Used in Premium payment modes and grace period
- Presumptive disability Used in Return-of-premium, disability, and cost-of-living riders
- Primary beneficiary Used in Beneficiary designation rules
- Principal sum Used in Waiver, guaranteed-insurability, payor, and accidental-death riders
- Reduced paid-up insurance Used in Reinstatement, policy loans, and nonforfeiture options
- Reinstatement Used in Reinstatement, policy loans, and nonforfeiture options
- Renewal premium Used in Premium payment modes and grace period
- Results clause Used in Policy exclusions: war, aviation, and dangerous occupation
- Return-of-premium rider Used in Return-of-premium, disability, and cost-of-living riders
- Revocable beneficiary Used in Beneficiary designation rules
- Rider Used in Waiver, guaranteed-insurability, payor, and accidental-death riders
- Simultaneous death Used in Beneficiary designation rules
- Specific designation Used in Beneficiary designation rules
- Spendthrift clause Used in Beneficiary designation rules
- Spouse term rider Used in Term, other-insured, and long-term-care riders
- Standard Nonforfeiture Law for Life Insurance Used in Reinstatement, policy loans, and nonforfeiture options
- Status clause Used in Policy exclusions: war, aviation, and dangerous occupation
- Suicide clause Used in Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Term rider Used in Term, other-insured, and long-term-care riders
- Terminally ill Used in Term, other-insured, and long-term-care riders, Dividends, incontestability, assignment, suicide, and accelerated death benefits
- Tertiary beneficiary Used in Beneficiary designation rules
- Total disability Used in Waiver, guaranteed-insurability, payor, and accidental-death riders, Return-of-premium, disability, and cost-of-living riders
- Unilateral contract Used in Core contract provisions: entire contract, insuring clause, free look, consideration, owner's rights
- Waiver of monthly deduction / cost of insurance Used in Waiver, guaranteed-insurability, payor, and accidental-death riders, Return-of-premium, disability, and cost-of-living riders
- Waiver of premium Used in Waiver, guaranteed-insurability, payor, and accidental-death riders, Return-of-premium, disability, and cost-of-living riders
Completing the life application, underwriting, and delivering the policy
- Actual delivery Used in Policy delivery and explaining the contract to the client
- Adverse selection Used in Underwriting: insurable interest, medical information, and risk classification
- Agent disclosure form Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent)
- Agent's statement Used in Application mechanics: signatures, changes, and incomplete applications
- Aleatory contract Used in Insurance contract law and its unique characteristics
- Anti-money-laundering (AML) program Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Approval-type receipt Used in Collecting the initial premium and issuing the receipt
- Attending physician's statement Used in Underwriting: insurable interest, medical information, and risk classification
- Binding receipt (temporary insurance agreement) Used in Collecting the initial premium and issuing the receipt
- Buyer's Guide Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent)
- Cash on delivery Used in Collecting the initial premium and issuing the receipt
- Churning Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent)
- Competent parties Used in Insurance contract law and its unique characteristics
- Concealment Used in Insurance contract law and its unique characteristics
- Conditional contract Used in Insurance contract law and its unique characteristics
- Conditional receipt (insurability type) Used in Collecting the initial premium and issuing the receipt
- Consideration Used in Insurance contract law and its unique characteristics
- Constructive delivery Used in Policy delivery and explaining the contract to the client
- Contract of adhesion Used in Insurance contract law and its unique characteristics
- Covered products Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Customer identification Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Delivery receipt Used in Policy delivery and explaining the contract to the client
- Estoppel (insurance) Used in Insurance contract law and its unique characteristics
- Fiduciary capacity Used in Collecting the initial premium and issuing the receipt
- Field underwriter Used in Underwriting: insurable interest, medical information, and risk classification
- FinCEN Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Flat extra Used in Underwriting: insurable interest, medical information, and risk classification
- Free-look period Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent), Policy delivery and explaining the contract to the client
- Health information authorization Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent), Underwriting: insurable interest, medical information, and risk classification
- HIPAA Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent)
- HIV-related test Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent)
- Indemnity Used in Insurance contract law and its unique characteristics
- Initial premium Used in Collecting the initial premium and issuing the receipt
- Insurability (approval-of-insurability) receipt Used in Collecting the initial premium and issuing the receipt
- Insurable interest Used in Application mechanics: signatures, changes, and incomplete applications, Underwriting: insurable interest, medical information, and risk classification, Insurance contract law and its unique characteristics
- Insurer counteroffer Used in Policy delivery and explaining the contract to the client, Insurance contract law and its unique characteristics
- Integration Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Investigative consumer report Used in Underwriting: insurable interest, medical information, and risk classification
- Layering Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Legal purpose Used in Insurance contract law and its unique characteristics
- Medical Information Bureau Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent), Underwriting: insurable interest, medical information, and risk classification
- Money laundering Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Nonpublic personal information (NPI) Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- OFAC Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Offer and acceptance Used in Collecting the initial premium and issuing the receipt, Insurance contract law and its unique characteristics
- Opt-out (GLBA) Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Parol evidence rule Used in Insurance contract law and its unique characteristics
- Personal contract Used in Insurance contract law and its unique characteristics
- Placement Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Policy amendment Used in Application mechanics: signatures, changes, and incomplete applications, Policy delivery and explaining the contract to the client
- Policy Summary Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent)
- Preferred risk Used in Underwriting: insurable interest, medical information, and risk classification
- Pretexting Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Privacy notice Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent), USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Producer's report Used in Application mechanics: signatures, changes, and incomplete applications
- Replacement Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent)
- Replacement notice Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent)
- Representation Used in Application mechanics: signatures, changes, and incomplete applications, Insurance contract law and its unique characteristics
- Risk classification Used in Underwriting: insurable interest, medical information, and risk classification
- Standard risk Used in Underwriting: insurable interest, medical information, and risk classification
- Statement of continued good health Used in Collecting the initial premium and issuing the receipt, Policy delivery and explaining the contract to the client
- Structuring Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Substandard (rated) Used in Underwriting: insurable interest, medical information, and risk classification
- Surrender charge Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent)
- Suspicious activity reporting Used in USA PATRIOT Act, anti-money-laundering, and Gramm-Leach-Bliley privacy
- Table rating Used in Underwriting: insurable interest, medical information, and risk classification
- Unilateral contract Used in Insurance contract law and its unique characteristics
- Utmost good faith Used in Insurance contract law and its unique characteristics
- Waiver Used in Application mechanics: signatures, changes, and incomplete applications, Insurance contract law and its unique characteristics
- Warranty Used in Application mechanics: signatures, changes, and incomplete applications, Insurance contract law and its unique characteristics
- Written informed consent Used in Replacement and point-of-sale disclosures (HIPAA, HIV consent)
Retirement and other life insurance concepts
- Absolute assignment Used in Third-party ownership of life insurance
- Attained age Used in Group life insurance conversion and contribution
- Beneficiary Used in Third-party ownership of life insurance
- Blackout period Used in Life insurance needs analysis for individuals and businesses, Social Security benefits
- Buy-sell agreement Used in Life insurance needs analysis for individuals and businesses
- Capital liquidation Used in Life insurance needs analysis for individuals and businesses
- Capital retention Used in Life insurance needs analysis for individuals and businesses
- Cash surrender value Used in Life settlements
- Certificate of insurance Used in Group life insurance conversion and contribution
- Contingent owner Used in Third-party ownership of life insurance
- Contributory plan Used in Group life insurance conversion and contribution
- Conversion privilege Used in Group life insurance conversion and contribution
- Cost basis Used in Qualified and nonqualified retirement plans, Tax treatment of life insurance premiums, proceeds, and MECs
- Credit life insurance Used in Third-party ownership of life insurance
- Cross-purchase plan Used in Life insurance needs analysis for individuals and businesses
- Currently insured Used in Social Security benefits
- Deferred compensation Used in Qualified and nonqualified retirement plans, Life insurance needs analysis for individuals and businesses
- Defined benefit plan Used in Qualified and nonqualified retirement plans
- Defined contribution plan Used in Qualified and nonqualified retirement plans
- Delayed retirement credits Used in Social Security benefits
- Dependency period Used in Life insurance needs analysis for individuals and businesses
- Direct rollover Used in Qualified and nonqualified retirement plans
- Disability insured Used in Social Security benefits
- Earnings test Used in Social Security benefits
- Entity plan Used in Life insurance needs analysis for individuals and businesses
- Evidence of insurability Used in Group life insurance conversion and contribution
- Executive bonus plan Used in Qualified and nonqualified retirement plans, Life insurance needs analysis for individuals and businesses
- Family maximum Used in Social Security benefits
- Financing entity Used in Life settlements
- Fraudulent viatical settlement act Used in Life settlements
- Full retirement age (FRA) Used in Social Security benefits
- Fully insured Used in Social Security benefits
- Goodman triangle Used in Third-party ownership of life insurance
- Group contract termination Used in Group life insurance conversion and contribution
- Human life value approach Used in Life insurance needs analysis for individuals and businesses
- Imputed income Used in Tax treatment of life insurance premiums, proceeds, and MECs
- Incidents of ownership Used in Third-party ownership of life insurance, Group life insurance conversion and contribution
- Initial enrollment period Used in Group life insurance conversion and contribution
- Insurable interest Used in Third-party ownership of life insurance
- Insurance gap Used in Life insurance needs analysis for individuals and businesses
- Insured Used in Third-party ownership of life insurance
- Irrevocable life insurance trust Used in Third-party ownership of life insurance
- Keogh plan Used in Qualified and nonqualified retirement plans
- Key person insurance Used in Third-party ownership of life insurance, Life insurance needs analysis for individuals and businesses
- Late entrant Used in Group life insurance conversion and contribution
- Life expectancy provider Used in Life settlements
- Life settlement Used in Life settlements
- Master policy Used in Group life insurance conversion and contribution
- Material change Used in Tax treatment of life insurance premiums, proceeds, and MECs
- Modified endowment contract (MEC) Used in Tax treatment of life insurance premiums, proceeds, and MECs
- Needs approach Used in Life insurance needs analysis for individuals and businesses
- Noncontributory plan Used in Group life insurance conversion and contribution
- Nonqualified plan Used in Qualified and nonqualified retirement plans
- OASDI Used in Social Security benefits
- Policy loan Used in Tax treatment of life insurance premiums, proceeds, and MECs
- Policyowner Used in Third-party ownership of life insurance
- Present value Used in Life insurance needs analysis for individuals and businesses
- Primary insurance amount Used in Social Security benefits
- Qualified joint and survivor annuity Used in Qualified and nonqualified retirement plans
- Qualified plan Used in Qualified and nonqualified retirement plans
- Quarters of coverage Used in Social Security benefits
- Readjustment period Used in Life insurance needs analysis for individuals and businesses
- Required minimum distribution Used in Qualified and nonqualified retirement plans
- Rollover Used in Qualified and nonqualified retirement plans
- Roth IRA Used in Qualified and nonqualified retirement plans
- Salary continuation plan Used in Qualified and nonqualified retirement plans
- SEP Used in Qualified and nonqualified retirement plans
- Settlement option Used in Tax treatment of life insurance premiums, proceeds, and MECs
- Seven-pay test Used in Tax treatment of life insurance premiums, proceeds, and MECs
- SIMPLE plan Used in Qualified and nonqualified retirement plans
- Split-dollar arrangement Used in Qualified and nonqualified retirement plans, Life insurance needs analysis for individuals and businesses
- Spousal benefit Used in Social Security benefits
- Stranger-originated life insurance Used in Life settlements
- Substantial gainful activity Used in Social Security benefits
- Survivor benefit Used in Social Security benefits
- Tax-deferred Used in Tax treatment of life insurance premiums, proceeds, and MECs
- Third-party ownership Used in Third-party ownership of life insurance
- Transfer-for-value rule Used in Tax treatment of life insurance premiums, proceeds, and MECs
- Vesting Used in Qualified and nonqualified retirement plans
- Viatical settlement Used in Life settlements, Tax treatment of life insurance premiums, proceeds, and MECs
- Viatical settlement broker Used in Life settlements
- Viatical settlement provider Used in Life settlements
- Viaticated policy Used in Life settlements
- Viator Used in Life settlements
Types of health policies
- Accident-only policy Used in Worksite, hospital indemnity, short-term medical, and accident policies
- Accidental bodily injury Used in Disability income and accidental death and dismemberment policies, Worksite, hospital indemnity, short-term medical, and accident policies
- Accidental death and dismemberment Used in Disability income and accidental death and dismemberment policies
- Accidental means Used in Disability income and accidental death and dismemberment policies, Worksite, hospital indemnity, short-term medical, and accident policies
- Activities of daily living (ADLs) Used in Individual and group long-term care insurance
- Alternative benefit provision Used in Dental, vision, and specified-disease policies
- Annual maximum Used in Dental, vision, and specified-disease policies
- Any occupation Used in Disability income and accidental death and dismemberment policies
- Attained-age rating Used in Medicare supplement policies
- Balance billing Used in Managed care structures: HMO, PPO, and POS plans
- Basic medical expense insurance Used in Basic and major medical expense insurance
- Benefit period Used in Disability income and accidental death and dismemberment policies
- Benefit trigger Used in Individual and group long-term care insurance
- Blanket insurance Used in Worksite, hospital indemnity, short-term medical, and accident policies
- Business overhead expense insurance Used in Disability income and accidental death and dismemberment policies
- Capital sum Used in Disability income and accidental death and dismemberment policies
- Capitation Used in Managed care structures: HMO, PPO, and POS plans
- Catch-up contribution Used in Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Certificate of insurance Used in Group health insurance and COBRA
- Chronically ill Used in Individual and group long-term care insurance
- COBRA Used in Group health insurance and COBRA
- Coinsurance Used in Basic and major medical expense insurance
- Community rating Used in Medicare supplement policies, Group health insurance and COBRA
- Comprehensive major medical Used in Basic and major medical expense insurance
- Concurrent review Used in Managed care structures: HMO, PPO, and POS plans
- Contingent nonforfeiture benefit Used in Individual and group long-term care insurance
- Contributory plan Used in Group health insurance and COBRA
- Conversion privilege Used in Group health insurance and COBRA
- Coordination of benefits Used in Basic and major medical expense insurance
- Corridor deductible Used in Basic and major medical expense insurance
- Cost-of-living rider Used in Disability income and accidental death and dismemberment policies
- Custodial care Used in Individual and group long-term care insurance
- Deductible Used in Basic and major medical expense insurance
- Dental HMO Used in Dental, vision, and specified-disease policies
- Disability buy-sell Used in Disability income and accidental death and dismemberment policies
- Election period Used in Group health insurance and COBRA
- Eligible individual Used in Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Elimination (waiting) period Used in Disability income and accidental death and dismemberment policies, Individual and group long-term care insurance
- Essential health benefits Used in Basic and major medical expense insurance
- Expense-incurred benefit Used in Individual and group long-term care insurance
- Experience rating Used in Group health insurance and COBRA
- First-dollar coverage Used in Basic and major medical expense insurance
- Flexible Spending Account (FSA) Used in Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Franchise insurance Used in Worksite, hospital indemnity, short-term medical, and accident policies
- Free-look period Used in Medicare supplement policies
- Frequency limitation Used in Dental, vision, and specified-disease policies
- Gatekeeper Used in Managed care structures: HMO, PPO, and POS plans
- Group model Used in Managed care structures: HMO, PPO, and POS plans
- Guaranteed insurability rider Used in Disability income and accidental death and dismemberment policies
- Guaranteed renewable Used in Medicare supplement policies, Individual and group long-term care insurance
- Health benefit plan Used in Dental, vision, and specified-disease policies
- Health Insurance Coverage Continuation Act Used in Group health insurance and COBRA
- Health maintenance organization (HMO) Used in Managed care structures: HMO, PPO, and POS plans
- Health Reimbursement Arrangement (HRA) Used in Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Health Savings Account (HSA) Used in Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- High-deductible health plan (HDHP) Used in Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Hospital indemnity policy Used in Worksite, hospital indemnity, short-term medical, and accident policies
- Individual coverage HRA Used in Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Individual practice association Used in Managed care structures: HMO, PPO, and POS plans
- Inflation protection Used in Individual and group long-term care insurance
- Intermediate care Used in Individual and group long-term care insurance
- Issue-age rating Used in Medicare supplement policies
- Licensed health care practitioner Used in Individual and group long-term care insurance
- Limited benefit policy Used in Individual and group long-term care insurance
- Limited-purpose FSA Used in Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Long-term care insurance Used in Individual and group long-term care insurance
- Major medical expense insurance Used in Basic and major medical expense insurance
- Master policy Used in Group health insurance and COBRA
- Medicare Advantage plan Used in Medicare supplement policies
- Medicare Select Used in Medicare supplement policies
- Medicare supplement (Medigap) Used in Medicare supplement policies
- Missing tooth clause Used in Dental, vision, and specified-disease policies
- Network model Used in Managed care structures: HMO, PPO, and POS plans
- Noncancellable Used in Individual and group long-term care insurance
- Noncontributory plan Used in Group health insurance and COBRA
- Open enrollment Used in Medicare supplement policies
- Original Medicare Used in Medicare supplement policies
- Outline of coverage Used in Medicare supplement policies, Individual and group long-term care insurance
- Own occupation Used in Disability income and accidental death and dismemberment policies
- Part B excess charges Used in Medicare supplement policies
- Partial disability Used in Disability income and accidental death and dismemberment policies
- Partnership policy Used in Individual and group long-term care insurance
- Point-of-service (POS) plan Used in Managed care structures: HMO, PPO, and POS plans
- Preauthorization Used in Managed care structures: HMO, PPO, and POS plans
- Predetermination of benefits Used in Dental, vision, and specified-disease policies
- Preexisting condition Used in Medicare supplement policies
- Preferred provider organization (PPO) Used in Managed care structures: HMO, PPO, and POS plans
- Presumptive disability Used in Disability income and accidental death and dismemberment policies
- Primary care physician (PCP) Used in Managed care structures: HMO, PPO, and POS plans
- Principal sum Used in Disability income and accidental death and dismemberment policies
- Qualified beneficiary Used in Group health insurance and COBRA
- Qualified medical expense Used in Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Qualified small employer HRA Used in Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Qualifying event Used in Group health insurance and COBRA
- Recurrent disability Used in Disability income and accidental death and dismemberment policies
- Relative value scale Used in Basic and major medical expense insurance
- Residual (partial) disability Used in Disability income and accidental death and dismemberment policies
- Second surgical opinion Used in Managed care structures: HMO, PPO, and POS plans
- Self-insured plan Used in Group health insurance and COBRA
- Service area Used in Managed care structures: HMO, PPO, and POS plans
- Severe cognitive impairment Used in Individual and group long-term care insurance
- Shopper's guide Used in Individual and group long-term care insurance
- Short-term (limited-duration) medical policy Used in Worksite, hospital indemnity, short-term medical, and accident policies
- Skilled care Used in Individual and group long-term care insurance
- Small employer Used in Group health insurance and COBRA
- Social insurance supplement rider Used in Disability income and accidental death and dismemberment policies
- Specified-disease (dread disease) policy Used in Dental, vision, and specified-disease policies
- Staff model Used in Managed care structures: HMO, PPO, and POS plans
- Standardized plans Used in Medicare supplement policies
- Stop-loss (out-of-pocket maximum) Used in Basic and major medical expense insurance
- Supplemental (superimposed) major medical Used in Basic and major medical expense insurance
- Surgical schedule Used in Basic and major medical expense insurance
- Tax-qualified policy Used in Individual and group long-term care insurance
- Total disability Used in Disability income and accidental death and dismemberment policies
- Triple tax advantage Used in Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Use-or-lose rule Used in Consumer-directed health accounts: FSA, HDHP/HSA, and HRA
- Usual, customary, and reasonable charge Used in Basic and major medical expense insurance
- Utilization review Used in Managed care structures: HMO, PPO, and POS plans
- Waiting period Used in Dental, vision, and specified-disease policies
- Waiver of premium Used in Disability income and accidental death and dismemberment policies
- Worksite marketing Used in Worksite, hospital indemnity, short-term medical, and accident policies
Health policy provisions, clauses, and riders
- Allowed amount Used in Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Assignment of benefits Used in Mandatory provisions II: claim notice, forms, proof of loss, and payment of claims
- Balance billing Used in Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Benefit maximum Used in Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Calendar-year deductible Used in Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles
- Cancellable Used in Rights of renewability
- Carryover provision Used in Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles
- Change of beneficiary Used in Mandatory provisions III: physical exam, legal actions, and beneficiary/occupation changes
- Change of Occupation provision Used in Mandatory provisions III: physical exam, legal actions, and beneficiary/occupation changes
- Claim forms Used in Mandatory provisions II: claim notice, forms, proof of loss, and payment of claims
- Coinsurance Used in Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles
- Concurrent review Used in Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Conditional receipt (insurability type) Used in Mandatory provisions I: entire contract, incontestability, grace period, reinstatement
- Conditionally renewable Used in Rights of renewability
- Consideration clause Used in Other provisions I: insuring clause, free look, consideration, probationary and elimination periods
- Coordination of benefits Used in Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Copayment Used in Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles, Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Corridor deductible Used in Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles
- Cost-of-living rider Used in Health policy riders
- Deductible Used in Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles
- Eligible expense Used in Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Elimination (waiting) period Used in Other provisions I: insuring clause, free look, consideration, probationary and elimination periods
- Entire contract provision Used in Mandatory provisions I: entire contract, incontestability, grace period, reinstatement
- Essential health benefits Used in Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Evidence of insurability Used in Health policy riders
- Exclusion Used in Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles
- Exclusion rider Used in Health policy riders
- Facility-of-payment provision Used in Mandatory provisions II: claim notice, forms, proof of loss, and payment of claims
- Family deductible Used in Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles
- Free-look period Used in Other provisions I: insuring clause, free look, consideration, probationary and elimination periods
- Guaranteed insurability rider Used in Health policy riders
- Guaranteed issue Used in Health policy riders
- Guaranteed renewable Used in Rights of renewability
- Health grace period Used in Mandatory provisions I: entire contract, incontestability, grace period, reinstatement
- Hospital confinement rider Used in Health policy riders
- Illegal occupation provision Used in Mandatory provisions III: physical exam, legal actions, and beneficiary/occupation changes
- Impairment (exclusion) rider Used in Health policy riders
- Insuring clause Used in Other provisions I: insuring clause, free look, consideration, probationary and elimination periods
- Intoxicants and narcotics provision Used in Mandatory provisions III: physical exam, legal actions, and beneficiary/occupation changes
- Irrevocable beneficiary Used in Mandatory provisions III: physical exam, legal actions, and beneficiary/occupation changes
- Lapse Used in Mandatory provisions I: entire contract, incontestability, grace period, reinstatement
- Legal Actions provision Used in Mandatory provisions III: physical exam, legal actions, and beneficiary/occupation changes
- Lifetime maximum Used in Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Mandatory uniform provisions Used in Mandatory provisions I: entire contract, incontestability, grace period, reinstatement
- Misstatement of age Used in Mandatory provisions III: physical exam, legal actions, and beneficiary/occupation changes
- Noncancellable Used in Rights of renewability
- Nonrenewal Used in Rights of renewability
- Notice of claim Used in Mandatory provisions II: claim notice, forms, proof of loss, and payment of claims
- Optionally renewable Used in Rights of renewability
- Out-of-pocket maximum (stop-loss) Used in Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles
- Per-cause deductible Used in Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles
- Physical Examination and Autopsy provision Used in Mandatory provisions III: physical exam, legal actions, and beneficiary/occupation changes
- Preauthorization Used in Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Preexisting condition Used in Mandatory provisions I: entire contract, incontestability, grace period, reinstatement, Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles
- Probationary period Used in Other provisions I: insuring clause, free look, consideration, probationary and elimination periods
- Proof of loss Used in Mandatory provisions II: claim notice, forms, proof of loss, and payment of claims
- Rated policy Used in Health policy riders
- Reinstatement provision Used in Mandatory provisions I: entire contract, incontestability, grace period, reinstatement
- Renewability Used in Rights of renewability
- Return-of-premium rider Used in Health policy riders
- Second surgical opinion Used in Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Social insurance supplement rider Used in Health policy riders
- Time of payment of claims Used in Mandatory provisions II: claim notice, forms, proof of loss, and payment of claims
- Usual, customary, and reasonable charge Used in Other provisions III: eligible expenses, copayments, preauthorization, and benefit maximums
- Waiver of premium Used in Other provisions II: waiver of premium, exclusions, preexisting conditions, coinsurance, deductibles, Health policy riders
Social insurance
- Annual election period Used in Medicare Parts A, B, C, and D
- Children's Health Insurance Program Used in Medicaid
- Continuing disability review Used in Social Security benefits (disability and retirement)
- Currently insured Used in Social Security benefits (disability and retirement)
- Delayed retirement credits Used in Social Security benefits (disability and retirement)
- Disability insured Used in Social Security benefits (disability and retirement)
- Dual eligible Used in Medicaid
- Earnings test Used in Social Security benefits (disability and retirement)
- End-stage renal disease Used in Medicare Parts A, B, C, and D
- EPSDT Used in Medicaid
- Estate recovery Used in Medicaid
- Express Lane eligibility Used in Medicaid
- Family maximum Used in Social Security benefits (disability and retirement)
- Full retirement age (FRA) Used in Social Security benefits (disability and retirement)
- Fully insured Used in Social Security benefits (disability and retirement)
- General enrollment period Used in Medicare Parts A, B, C, and D
- Initial enrollment period Used in Medicare Parts A, B, C, and D
- Late-enrollment penalty Used in Medicare Parts A, B, C, and D
- Look-back period Used in Medicaid
- MA-PD plan Used in Medicare Parts A, B, C, and D
- Mandatory eligibility groups Used in Medicaid
- Medicaid Used in Medicaid
- Medically needy Used in Medicaid
- Medicare Advantage plan Used in Medicare Parts A, B, C, and D
- Medicare Part A Used in Medicare Parts A, B, C, and D
- Medicare Part B Used in Medicare Parts A, B, C, and D
- Medicare Part C (Medicare Advantage) Used in Medicare Parts A, B, C, and D
- Medicare Part D Used in Medicare Parts A, B, C, and D
- Original Medicare Used in Medicare Parts A, B, C, and D
- Payer of last resort Used in Medicaid
- Prescription drug plan Used in Medicare Parts A, B, C, and D
- Primary insurance amount Used in Social Security benefits (disability and retirement)
- Quarters of coverage Used in Social Security benefits (disability and retirement)
- Social Security disability insurance Used in Social Security benefits (disability and retirement)
- Spend down Used in Medicaid
- Spousal impoverishment protection Used in Medicaid
- State plan Used in Medicaid
- Substantial gainful activity Used in Social Security benefits (disability and retirement)
- Supplemental Security Income Used in Social Security benefits (disability and retirement)
- Trial work period Used in Social Security benefits (disability and retirement)
Other health insurance concepts
- Any occupation Used in Disability classifications: total, partial, recurrent, and residual
- Assignment of benefits Used in Owner's rights
- Birthday rule Used in Dependent children benefits, Nonduplication and coordination of benefits
- Business overhead expense insurance Used in Tax treatment of premiums and proceeds
- Capitation Used in Managed care concepts
- Case management Used in Managed care concepts
- Change of Occupation provision Used in Occupational versus non-occupational classification
- Class designation Used in Primary and contingent beneficiaries
- Concurrent review Used in Managed care concepts
- Contingent (secondary) beneficiary Used in Primary and contingent beneficiaries
- Conversion privilege Used in Owner's rights
- Coordination of benefits Used in Dependent children benefits, Nonduplication and coordination of benefits
- Creditable coverage Used in Dependent children benefits
- Dependent child Used in Dependent children benefits
- Direct billing Used in Modes of premium payment
- Disability buy-sell Used in Tax treatment of premiums and proceeds
- Disabled dependent child Used in Dependent children benefits
- Dismemberment benefit Used in Tax treatment of premiums and proceeds
- Double recovery Used in Subrogation
- Elimination (waiting) period Used in Disability classifications: total, partial, recurrent, and residual
- Employers liability (Part Two) Used in Workers' compensation
- Exclusive provider organization Used in Managed care concepts
- Exclusive remedy Used in Workers' compensation
- Extraterritorial coverage Used in Workers' compensation
- Free-look period Used in Owner's rights
- Gatekeeper Used in Managed care concepts
- Group model Used in Managed care concepts
- Health grace period Used in Modes of premium payment
- Health maintenance organization (HMO) Used in Managed care concepts
- Health Savings Account (HSA) Used in Tax treatment of premiums and proceeds
- Incidents of ownership Used in Owner's rights
- Indemnity Used in Subrogation
- Individual practice association Used in Managed care concepts
- Irrevocable beneficiary Used in Owner's rights, Primary and contingent beneficiaries
- Itemized medical expense deduction Used in Tax treatment of premiums and proceeds
- Judge of compensation claims Used in Workers' compensation
- Key person disability insurance Used in Tax treatment of premiums and proceeds
- Lapse Used in Modes of premium payment
- Limiting age Used in Dependent children benefits
- Made-whole doctrine Used in Subrogation
- Managed care Used in Managed care concepts
- Master policy Used in Owner's rights
- Modal factor Used in Modes of premium payment
- Monopolistic state fund Used in Workers' compensation
- Network model Used in Managed care concepts
- Newborn coverage Used in Dependent children benefits
- No-fault Used in Workers' compensation
- Non-occupational coverage Used in Occupational versus non-occupational classification
- Nonduplication of benefits Used in Nonduplication and coordination of benefits
- Nonparticipating provider Used in Managed care concepts
- Occupational coverage Used in Occupational versus non-occupational classification
- Order of benefit determination Used in Nonduplication and coordination of benefits
- Overinsurance Used in Nonduplication and coordination of benefits
- Own occupation Used in Disability classifications: total, partial, recurrent, and residual
- Partial disability Used in Disability classifications: total, partial, recurrent, and residual
- Participating provider Used in Managed care concepts
- Payroll deduction Used in Modes of premium payment
- Per capita Used in Primary and contingent beneficiaries
- Per stirpes Used in Primary and contingent beneficiaries
- Point-of-service (POS) plan Used in Managed care concepts
- Policyowner Used in Owner's rights
- Pre-authorized check Used in Modes of premium payment
- Preferred provider organization (PPO) Used in Managed care concepts
- Premium payment mode Used in Modes of premium payment
- Presumptive disability Used in Disability classifications: total, partial, recurrent, and residual
- Primary beneficiary Used in Primary and contingent beneficiaries
- Primary plan Used in Dependent children benefits, Nonduplication and coordination of benefits
- Prospective review Used in Managed care concepts
- Recurrent disability Used in Disability classifications: total, partial, recurrent, and residual
- Residual (partial) disability Used in Disability classifications: total, partial, recurrent, and residual
- Retrospective review Used in Managed care concepts
- Revocable beneficiary Used in Primary and contingent beneficiaries
- Secondary plan Used in Nonduplication and coordination of benefits
- Self-employed health insurance deduction Used in Tax treatment of premiums and proceeds
- Simultaneous death Used in Primary and contingent beneficiaries
- Split definition Used in Disability classifications: total, partial, recurrent, and residual
- Staff model Used in Managed care concepts
- Subrogation Used in Subrogation
- Subrogation lien Used in Subrogation
- Tertiary beneficiary Used in Primary and contingent beneficiaries
- Third-party ownership Used in Owner's rights
- Total disability Used in Disability classifications: total, partial, recurrent, and residual
- Utilization review Used in Managed care concepts
- Workers' compensation Used in Occupational versus non-occupational classification, Workers' compensation
Field underwriting procedures
- Actual delivery Used in Policy delivery and explaining the contract
- Aleatory contract Used in Insurance contract law and insurable interest
- Approval-type receipt Used in Initial premium collection and receipt consequences
- Attained age Used in Replacement of health insurance
- Attending physician's statement Used in Sources of insurability and HIPAA privacy disclosures
- Binding receipt (temporary insurance agreement) Used in Initial premium collection and receipt consequences
- Churning Used in Replacement of health insurance
- Commingling Used in Initial premium collection and receipt consequences
- Competent parties Used in Insurance contract law and insurable interest
- Concealment Used in Insurance contract law and insurable interest
- Conditional contract Used in Insurance contract law and insurable interest
- Conditional receipt (insurability type) Used in Completing the health insurance application, Initial premium collection and receipt consequences
- Consideration Used in Insurance contract law and insurable interest
- Constructive delivery Used in Policy delivery and explaining the contract
- Contestable period Used in Replacement of health insurance
- Contract of adhesion Used in Insurance contract law and insurable interest
- Covered entity Used in Sources of insurability and HIPAA privacy disclosures
- Delivery receipt Used in Policy delivery and explaining the contract
- Elimination (waiting) period Used in Replacement of health insurance
- Entire contract provision Used in Submitting the application for underwriting
- Fair Credit Reporting Act Used in Completing the health insurance application, Sources of insurability and HIPAA privacy disclosures
- Fiduciary capacity Used in Initial premium collection and receipt consequences
- Field underwriter Used in Completing the health insurance application, Submitting the application for underwriting
- Free-look period Used in Policy delivery and explaining the contract, Replacement of health insurance
- Health information authorization Used in Completing the health insurance application, Sources of insurability and HIPAA privacy disclosures, Submitting the application for underwriting
- HIPAA Used in Sources of insurability and HIPAA privacy disclosures
- Insurability (approval-of-insurability) receipt Used in Initial premium collection and receipt consequences
- Insurable interest Used in Insurance contract law and insurable interest
- Insurer counteroffer Used in Initial premium collection and receipt consequences, Submitting the application for underwriting, Policy delivery and explaining the contract
- Investigative consumer report Used in Sources of insurability and HIPAA privacy disclosures
- Legal purpose Used in Insurance contract law and insurable interest
- Medical Information Bureau Used in Completing the health insurance application, Sources of insurability and HIPAA privacy disclosures
- Misrepresentation Used in Completing the health insurance application, Insurance contract law and insurable interest
- Notice of Privacy Practices Used in Sources of insurability and HIPAA privacy disclosures
- Offer and acceptance Used in Initial premium collection and receipt consequences, Insurance contract law and insurable interest
- Preexisting condition Used in Replacement of health insurance
- Probationary period Used in Replacement of health insurance
- Producer's report Used in Completing the health insurance application, Submitting the application for underwriting
- Protected health information Used in Sources of insurability and HIPAA privacy disclosures
- Replacement Used in Submitting the application for underwriting, Replacement of health insurance
- Replacement notice Used in Replacement of health insurance
- Representation Used in Completing the health insurance application, Submitting the application for underwriting, Insurance contract law and insurable interest
- Statement of good health Used in Initial premium collection and receipt consequences, Policy delivery and explaining the contract
- Twisting Used in Replacement of health insurance
- Unilateral contract Used in Insurance contract law and insurable interest
- Utmost good faith Used in Insurance contract law and insurable interest
- Waiver Used in Completing the health insurance application
- Warranty Used in Submitting the application for underwriting
Florida statutes, rules, and regulations common to all lines
- Alien insurer Used in Insurance entity definitions
- Anti-fraud unit Used in Unfair trade practices II: unfair discrimination, claims practices, fraud, and controlled business
- Appointment Used in Licensing: purpose, license types, appointments, and requirements
- Assessment Used in Florida Insurance Guaranty Association
- Attorney-in-fact Used in Insurance entity definitions
- Authorized insurer Used in Insurance entity definitions
- Boycott, coercion, or intimidation Used in Unfair trade practices I: sliding, coercion, misrepresentation, defamation, false advertising
- Certificate of authority Used in Insurance entity definitions
- Chief Financial Officer Used in Florida insurance regulators: CFO, Financial Services Commission, OIR, and OFR
- Churning Used in Unfair trade practices III: twisting, churning, rebating, and concealment
- Concealment Used in Unfair trade practices III: twisting, churning, rebating, and concealment
- Continuing education Used in Maintaining a license: continuing education, recordkeeping, and disciplinary actions
- Controlled business Used in Unfair trade practices II: unfair discrimination, claims practices, fraud, and controlled business
- Controlled insurer Used in Unfair trade practices II: unfair discrimination, claims practices, fraud, and controlled business
- Controlling producer Used in Unfair trade practices II: unfair discrimination, claims practices, fraud, and controlled business
- Customer representative Used in Licensing: purpose, license types, appointments, and requirements
- Defamation Used in Unfair trade practices I: sliding, coercion, misrepresentation, defamation, false advertising
- Department of Financial Services Used in Florida insurance regulators: CFO, Financial Services Commission, OIR, and OFR
- Disciplinary action Used in Maintaining a license: continuing education, recordkeeping, and disciplinary actions
- Domestic insurer Used in Insurance entity definitions
- False advertising Used in Unfair trade practices I: sliding, coercion, misrepresentation, defamation, false advertising
- Fiduciary capacity Used in Agent responsibilities: fiduciary capacity, compensation, and ethics
- Financial Services Commission Used in Florida insurance regulators: CFO, Financial Services Commission, OIR, and OFR
- Florida Insurance Guaranty Association Used in Florida Insurance Guaranty Association
- Foreign insurer Used in Insurance entity definitions
- Fraternal benefit society Used in Insurance entity definitions
- General lines agent Used in Licensing: purpose, license types, appointments, and requirements
- Health agent Used in Licensing: purpose, license types, appointments, and requirements
- Insurance agent Used in Agent responsibilities: fiduciary capacity, compensation, and ethics
- License Used in Licensing: purpose, license types, appointments, and requirements
- Life agent Used in Licensing: purpose, license types, appointments, and requirements
- Life and Health Insurance Guaranty Association Used in Florida Insurance Guaranty Association
- Limited or specialty license Used in Licensing: purpose, license types, appointments, and requirements
- Lines of insurance Used in Insurance entity definitions
- Lloyd's association Used in Insurance entity definitions
- Member insurer Used in Florida Insurance Guaranty Association
- Misrepresentation Used in Unfair trade practices I: sliding, coercion, misrepresentation, defamation, false advertising
- Mutual company Used in Insurance entity definitions
- Nonresident agent Used in Licensing: purpose, license types, appointments, and requirements
- Office of Financial Regulation Used in Florida insurance regulators: CFO, Financial Services Commission, OIR, and OFR
- Office of Insurance Regulation Used in Florida insurance regulators: CFO, Financial Services Commission, OIR, and OFR
- Personal lines agent Used in Licensing: purpose, license types, appointments, and requirements
- Plan of operation Used in Florida Insurance Guaranty Association
- Rebating Used in Unfair trade practices III: twisting, churning, rebating, and concealment
- Rebating schedule Used in Unfair trade practices III: twisting, churning, rebating, and concealment
- Reciprocal (interinsurance) exchange Used in Insurance entity definitions
- Reconciliation report Used in Florida Insurance Guaranty Association
- Risk retention group Used in Insurance entity definitions
- Self-insurer Used in Insurance entity definitions
- Sliding Used in Unfair trade practices I: sliding, coercion, misrepresentation, defamation, false advertising
- Stock company Used in Insurance entity definitions
- Surplus lines agent Used in Insurance entity definitions, Licensing: purpose, license types, appointments, and requirements
- Surplus lines premium tax Used in Unfair trade practices III: twisting, churning, rebating, and concealment
- Surplus lines service fee Used in Agent responsibilities: fiduciary capacity, compensation, and ethics
- Temporary license Used in Licensing: purpose, license types, appointments, and requirements
- Twisting Used in Unfair trade practices III: twisting, churning, rebating, and concealment
- Unauthorized insurer Used in Insurance entity definitions
- Unfair claim settlement practice Used in Unfair trade practices II: unfair discrimination, claims practices, fraud, and controlled business
- Unfair discrimination Used in Unfair trade practices II: unfair discrimination, claims practices, fraud, and controlled business
- Unfair Insurance Trade Practices Act Used in Unfair trade practices II: unfair discrimination, claims practices, fraud, and controlled business
- Unfair or deceptive act Used in Unfair trade practices I: sliding, coercion, misrepresentation, defamation, false advertising
- Update course Used in Maintaining a license: continuing education, recordkeeping, and disciplinary actions
- Workers' Compensation Insurance Guaranty Association Used in Florida Insurance Guaranty Association
Florida statutes pertinent to life and annuity insurance
- Annuity suitability Used in Policy or contract replacement duties
- Association group Used in Group life eligible groups, dependent coverage, and assignment of proceeds
- Attained age Used in Group life standard provisions and conversion rights
- Best interest standard Used in Life and annuity marketing methods and practices
- Buyer's Guide Used in Life and annuity marketing methods and practices
- Career agency system Used in Life and annuity marketing methods and practices
- Cash surrender value Used in Individual life nonforfeiture options and policy settlement
- Certificate of insurance Used in Group life standard provisions and conversion rights
- Contributory plan Used in Group life eligible groups, dependent coverage, and assignment of proceeds
- Conversion on termination of eligibility Used in Group life standard provisions and conversion rights
- Conversion on termination of the policy Used in Group life standard provisions and conversion rights
- Conversion privilege Used in Group life standard provisions and conversion rights
- Credit union group Used in Group life eligible groups, dependent coverage, and assignment of proceeds
- Debtor group Used in Group life standard provisions and conversion rights
- Dependent coverage Used in Group life eligible groups, dependent coverage, and assignment of proceeds
- Direct response marketing Used in Life and annuity marketing methods and practices
- Employee group Used in Group life eligible groups, dependent coverage, and assignment of proceeds
- Entire contract provision Used in Individual life contract standard provisions
- Extended term insurance Used in Individual life nonforfeiture options and policy settlement
- Fixed amount Used in Individual life nonforfeiture options and policy settlement
- Fixed-period option Used in Individual life nonforfeiture options and policy settlement
- Grace period Used in Individual life contract standard provisions
- Group policyholder Used in Group life eligible groups, dependent coverage, and assignment of proceeds
- Incidents of ownership Used in Group life standard provisions and conversion rights
- Incontestability clause Used in Individual life contract standard provisions
- Independent agency system Used in Life and annuity marketing methods and practices
- Inducement Used in Life and annuity marketing methods and practices
- Insurable interest Used in Individual life contract standard provisions
- Interest-only option Used in Individual life nonforfeiture options and policy settlement
- Labor union group Used in Group life eligible groups, dependent coverage, and assignment of proceeds
- Life income option Used in Individual life nonforfeiture options and policy settlement
- Master policy Used in Group life standard provisions and conversion rights
- Misstatement of age or sex provision Used in Individual life contract standard provisions
- Net single premium Used in Individual life nonforfeiture options and policy settlement
- Noncontributory plan Used in Group life eligible groups, dependent coverage, and assignment of proceeds
- Nonforfeiture provision Used in Individual life contract standard provisions, Individual life nonforfeiture options and policy settlement
- Personal-producing general agent Used in Life and annuity marketing methods and practices
- Policy loan Used in Individual life contract standard provisions
- Reduced paid-up insurance Used in Individual life nonforfeiture options and policy settlement
- Reinstatement provision Used in Individual life contract standard provisions
- Replacement Used in Policy or contract replacement duties
- Settlement option Used in Individual life nonforfeiture options and policy settlement
- Standard group life provisions Used in Group life standard provisions and conversion rights
- Standard Nonforfeiture Law for Life Insurance Used in Individual life contract standard provisions, Individual life nonforfeiture options and policy settlement
- Standard policy provisions Used in Individual life contract standard provisions
- Suicide clause Used in Individual life contract standard provisions
- Surrender charge Used in Policy or contract replacement duties
- Trustee group Used in Group life eligible groups, dependent coverage, and assignment of proceeds
- Value-added product or service Used in Life and annuity marketing methods and practices
Florida statutes pertinent to health insurance
- Chronically ill Used in Long-term care policy standards and terminology
- Claim forms Used in Standard health policy provisions and group health eligibility
- Cognitive impairment Used in Long-term care policy standards and terminology, Long-term care replacement, lapse protection, and partnership programs
- Composite rating Used in Small employer group health requirements
- Continuity of care Used in Health plan types and dread disease policies
- Coordination of benefits Used in Medicare supplement required provisions and enrollment periods, Medicare supplement disclosure, replacement, and standardized benefits
- Creditable coverage Used in Medicare supplement required provisions and enrollment periods
- Division of Consumer Services Used in Health insurance disclosure requirements
- Employee Health Care Access Act Used in Small employer group health requirements
- Essential health benefits Used in Health insurance disclosure requirements
- Exclusive provider organization Used in Health plan types and dread disease policies
- Fee-for-service plan Used in Health plan types and dread disease policies
- Florida Healthy Kids Corporation Used in Florida Healthy Kids Corporation and HIV/AIDS testing requirements
- Free-look period Used in Health insurance disclosure requirements, Medicare supplement required provisions and enrollment periods, Medicare supplement disclosure, replacement, and standardized benefits
- Group health insurance Used in Standard health policy provisions and group health eligibility
- Guaranteed enrollment after group coverage Used in Medicare supplement required provisions and enrollment periods
- Guaranteed issue Used in Small employer group health requirements
- Health benefit plan Used in Health plan types and dread disease policies
- Health grace period Used in Standard health policy provisions and group health eligibility
- Health Insurance Coverage Continuation Act Used in Standard health policy provisions and group health eligibility
- Health maintenance organization (HMO) Used in Health plan types and dread disease policies
- Health Maintenance Organization Consumer Assistance Plan Used in Health plan types and dread disease policies
- HIV-related test Used in Florida Healthy Kids Corporation and HIV/AIDS testing requirements
- Home health care benefits Used in Long-term care policy standards and terminology
- Inflation protection Used in Long-term care replacement, lapse protection, and partnership programs
- Lapse protection Used in Long-term care replacement, lapse protection, and partnership programs
- Late enrollee Used in Small employer group health requirements
- Legal Actions provision Used in Standard health policy provisions and group health eligibility
- Licensed health care practitioner Used in Long-term care policy standards and terminology
- Limited benefit policy Used in Long-term care policy standards and terminology
- Long-term care insurance Used in Long-term care policy standards and terminology
- Long-term care partnership Used in Long-term care replacement, lapse protection, and partnership programs
- Mandatory uniform provisions Used in Standard health policy provisions and group health eligibility
- Medical loss ratio Used in Florida Healthy Kids Corporation and HIV/AIDS testing requirements
- Medicare eligible expense Used in Medicare supplement required provisions and enrollment periods
- Medicare supplement (Medigap) Used in Medicare supplement required provisions and enrollment periods
- Medicare Supplement Buyer's Guide Used in Medicare supplement required provisions and enrollment periods, Medicare supplement disclosure, replacement, and standardized benefits
- Minimum employer contribution Used in Small employer group health requirements
- Modified community rating Used in Small employer group health requirements
- Notice of claim Used in Standard health policy provisions and group health eligibility
- Notice to Buyer Used in Long-term care policy standards and terminology, Long-term care replacement, lapse protection, and partnership programs
- Open enrollment Used in Medicare supplement required provisions and enrollment periods
- Outline of coverage Used in Health insurance disclosure requirements, Medicare supplement disclosure, replacement, and standardized benefits, Long-term care policy standards and terminology, Long-term care replacement, lapse protection, and partnership programs
- Payor of last resort Used in Florida Healthy Kids Corporation and HIV/AIDS testing requirements
- Point-of-service (POS) plan Used in Health plan types and dread disease policies
- Preexisting condition Used in Health insurance disclosure requirements, Medicare supplement required provisions and enrollment periods
- Preferred provider organization (PPO) Used in Health plan types and dread disease policies
- Proof of loss Used in Standard health policy provisions and group health eligibility
- Qualified partnership policy Used in Long-term care replacement, lapse protection, and partnership programs
- Reinstatement provision Used in Standard health policy provisions and group health eligibility
- Replacement notice Used in Medicare supplement disclosure, replacement, and standardized benefits, Long-term care replacement, lapse protection, and partnership programs
- Short-term (limited-duration) medical policy Used in Health insurance disclosure requirements
- Small employer carrier Used in Small employer group health requirements
- Small employer health alliance Used in Standard health policy provisions and group health eligibility
- Special enrollment period Used in Standard health policy provisions and group health eligibility
- Specified-disease (dread disease) policy Used in Health plan types and dread disease policies
- Standardized plans Used in Medicare supplement disclosure, replacement, and standardized benefits
- Step therapy Used in Health plan types and dread disease policies
- Tax-qualified policy Used in Long-term care replacement, lapse protection, and partnership programs
- Third-party designee Used in Long-term care replacement, lapse protection, and partnership programs
- Time of payment of claims Used in Standard health policy provisions and group health eligibility
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