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"NO risk no GAIN" =>Life Insurance

2009-02-15T08:14:00.000-08:00

Accelerated Death Benefit Coverage

that allows the insured to receive a specified portion of the death benefit due to specified life-threatening or catastrophic conditions if certain conditions are met (also known as Living Benefit)
Accidental Death Insurance

Insurance providing payment if the insured's death results from an accident.
Accidental Death Benefit RiderA life insurance policy rider providing for payment of an additional benefit related to the face amount of the base policy when death occurs by accidental means.
Annuitant

The person during whose life a defered annuity is based, and who will receive the annuity payments after the annuity starting date.
Annuity

An annuity is a contract between you and an insurance company which guarantees that in exchange for a premium, the insurance company will pay a lifetime income to an individual called the annuitant.
Automated Payment Transfer

A method of paying premiums under which the contract owner permits the insurance company to generate checks against the contract owner's bank account. The insurer then sends these checks directly to the contract owner's bank for payment when premiums are due.
Beneficiary

Person to whom the proceeds of a life policy are payable when the insured dies. The various types of beneficiaries are: primary beneficiaries (those first entitled to proceeds); secondary beneficiaries (those entitled to proceeds if no primary beneficiary is living when the insured dies); and tertiary beneficiaries (those entitled to proceeds if no primary or secondary beneficiaries are alive when the insured dies).
Best's Insurance Report

A guide, published by A.M. Best, Inc., that rates insurers' financial integrity and managerial and operational strengths.
Billing Method

The method(s) of payment that has been offered to you, such as Credit card, Pre-Authorized Checking or billing you directly.
Cancer Insurance

A living benefit insurance that pays a lump sum to the insured when first diagnosed with cancer, in addition to paying a daily benefit while in treatment.
Claim

A request for payment under the terms of an insurance policy.
Contingent BeneficiaryPerson or persons named to receive proceeds in case the original beneficiary is not alive. Also referred to as secondary or tertiary beneficiary.
Contestability PeriodThe period of time (generally two years) during which the life insurance company may challenge the validity of a life insurance contract. One area that may be contested is whether the applicant represented truthfully his or her health condition and history at the time of application.
Conversion Privilege

Allows the policy-owner, before an original insurance policy expires, to elect to have a new policy issued that will continue the insurance coverage. Conversion may be effected at attained age (premiums based on the age attained at time of conversion) or at original age (premiums based on age at time of original issue).
Declined

A decision by the life insurance company based upon the results of their underwriting on the case. Cases that are declined usually involve health problems that exceed the company's willingness to accept the risk. Those who have serious health problems, including those who may have been declined, should consider applying for the almost guaranteed issue term insurance or the fully guaranteed issue term insurance available from your insurance agent or broker.
Decreasing Term InsuranceTerm life insurance on which the face value slowly decreases in scheduled steps from the date the policy comes into force to the date the policy expires, while the premium remains level. The intervals between decreases are usually monthly or annually.
Deductible/Elimination PeriodThe period of time of hospital confinement which is excluded from benefit coverage.
Double Indemnity

A provision in a life insurance policy, subject to specified conditions and exclusions, under the terms of which double the face amount of the policy is payable if the death of the insured is the result of an accident. In general, the conditions are that the insured's death occurs prior to a specified age and results from bodily injury effected solely through external, violent and accidental means independently and exclusively of all other cause, within 60 or 90 days after such injury.
Exclusions

Specified hazards listed in a policy for which benefits will not be paid.
Face AmountCommonly used to refer to the principal sum involved in the contract. The actual death benefit may be decreased by loans or increased by additional benefits payable under specified conditions or stated in a rider.
Grace Period

Period of time after the due date of a premium during which the policy remains in force without penalty. This period is usually 30-60 days depending on the plan and state you live in.
Guaranteed Insurability (Guaranteed Issue)Arrangement, usually provided by rider, whereby additional insurance may be purchased at various times without evidence of insurability.
Hospital Accident PlanGuaranteed supplemental protection to help pay out-of-pocket expenses for a covered accident.
Hospital Indemnity Plan

Supplemental protection to help pay out-of-pocket hospital expenses. Pays for each day of confinement, starting the very first day for accidents and a specified day for illness.
Insurance RepresentativeOnce you have purchased a policy, you are assigned a person who is responsible for your policies and making sure your needs are addressed.
Insured

The person whose life or health is insured under an insurance policy.
InsurerParty that provides insurance coverage, typically through a contract of insurance. For example, in this case, life and health insurance plans are provided by Peoples Benefit Life Insurance Company.
Issue age

The age of the insured at the time the contract was issued.
LapseTermination of a policy upon the policy owner's failure to pay the premium within the grace period.
Level Premium

Term policies frequently come in versions of 5-year level term, 10-year level term, 15-year level term, 20-year level term, 25-year level term, and 30-year level term. The premium charged in each of these configurations remains the same, or "level," throughout the specified term. In each configuration, at the time when the policy is purchased, the insurance company sets the maximum charge for the coverage provided for the period selected. The death benefit provided also remains the same throughout the selected period.
Level Term Insurance

Term coverage on which the face value and premiums remain unchanged from the date the policy comes into force to the date the policy expires.
Medical ExaminationUsually conducted by a licensed physician; the medical report is part of the application, becomes part of the policy contract and is attached to the policy. A "non-medical": is a short-form medical report filled out by an applicant. Various company rules, such as amount of insurance applied for or already in force; applicant's age, past physical history; etc., may be determined whether the examination will be "medical" or "non-medical."
Medical Information Bureau (MIB)

An organization that serves as a clearinghouse of medical information for the life insurance industry. When a person applies for life insurance, the life insurance company generally sends out the applicant's medical test results and any other collected medical information that suggests health impairment to the MIB. Access to MIB information is restricted to authorized medical, underwriting and claims personnel in life insurance companies who participate in MIB services. No member insurance company can request MIB information on a life insurance applicant without the applicant's permission. An insurance company cannot base its underwriting decision solely upon MIB supplied information.
Mortgage Insurance

A basic use for life insurance, so-called because many family heads purchase insurance specifically for paying off any mortgage balance outstanding at the time of their death. The insurance generally is made payable to the insured's beneficiary of choice.
PremiumThe periodic payment required to keep an insurance policy in force. Proceeds Net amount of money payable by the company at the insured's death or at policy maturity.
Re-entry OptionAn option in a renewable term life policy under which the policy-owner is guaranteed, at the end of the term, to be able to renew his or her coverage without evidence of insurability, at a premium rate specified in the policy.
RiderStrictly speaking, a rider adds something to a policy. However, the term is used loosely to refer to any supplemental agreement attached to and made a part of the policy, whether the policy's conditions are expanded and additional coverages added, or a coverage or condition is waived.
Right to Review

Policyowners have a specified amount of days to examine their new policies at no obligations.
Standard RatingThe premium rates established for the applicant who fits the life insurance company's underwriting department's definition of normal mortality risk. Most applicants who have not had a personal or family history of serious disease or health-related problems are generally rated standard.
Suicide Clause

Policy language that says if the insured commits suicide within a specified period, usually two years after the issue date, the company's liability will be limited to a return of premiums paid.
Term InsuranceLife insurance designed to cover the insured for a specified period of time (or term). Term policies provide life insurance protection without any investment or "cash value" features which can increase the cost of the coverage -- and as such, generally offer the most protection for your premium dollars.
Underwriter

Company receiving premiums and accepting responsibility for fulfilling the policy contract.
Waiver of Premium Rideror provision included in most life insurance policies exempting the insured from paying premiums after he or she has been disabled for a specified period of time, usually six months.
Whole Life

A policy that builds a cash value and gives protection through the policyholder's lifetime as long as premiums are paid.
Yearly Renewable Term (YRT)

A term policy that gives the policyholder the right to continue the coverage at the end of each policy year without providing evidence of insurability. The renewal right continues for a specified number of years or until the insured reaches an age specified in the policy. The premium charged each year generally increased to the annual premium charged for the insured's now-attained age.

Auto Insurance Terms and Definitions

2009-02-15T08:01:00.000-08:00

A glossary of terms related to auto insurance coverage an an auto insurance policy.

Auto Insurance - An auto insurance policy is a contract between you and the insurance company for you to pay a premium and in exchange, the insurance company promises to pay for specific car related financial losses during the term of the policy

Premiums - The amount you pay for the contract of insurance with a particular company

Deductible - The amount you pay before your policy kicks in. For example, if you have an auto insurance policy with a $500 collision deductible, you must pay the first $500 of the cost to repair damage to your car that resulted from an automobile accident
Auto Insurance Coverage Terms
Bodily Injury Liability - Covers accidental injury or death of another person if caused by you in an automobile related accident. Also referred to as BI.
Collision Coverage - If your automobile collides with another vehicle or object, this coverage pays to repair the damage to your auto, regardless of whose fault it was. It also may cover damage to a rental car that you use. Check with insurance company for details.
Comprehensive Coverage - Pays for damage to your car caused by fire, theft, windstorm, glass breakage and many other non-collision occurrences.
Defense Costs - Covers court costs, legal expenses and attorneys fees accrued by an automobile related incident. Check with insurance company for details.
Liability Coverage - Pays for damage to other party's property and any injury to them if you or someone else driving your car cause an accident. It protects your assets in the event you are held liable for damage to others.
Medical Expense Coverage - If you and your passengers are injured as the result of an auto accident, this coverage pays your medical expenses. Also referred to as Medical Payments or Medpay.
Personal Injury Protection (No-Fault Coverage) - If you or passengers in your car are injured in an auto accident, this pays for medical expenses, loss of wages and death benefits. Also referred to as PIP.
Property Damage Liability - Covers accidental damage to other people's property in an automobile related incident if caused by you. Also referred to as PD.
Other Than Collision - Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and other specified perils. Also referred to as Comprehensive, COMP, and sometimes incorrectly referred to by the limited term 'Fire and Theft'.
Rental Car Reimbursement Coverage - Pays the cost of a rental car, up to your policy limits, if your car becomes disabled and you need to rent a substitute.
Replacement Cost Coverage - If you have a total loss on a new vehicle within a certain time period after your purchase, some companies will replace your car, or pay you the amount needed to do so.
Supplemental Death Benefit - An amount paid automatically if the insured dies as a result of an automobile accident and the insured and all passengers in the vehicle were wearing seat belts at the time of the crash.
Towing and Labor Coverage - If your car becomes disabled, this coverage pays for towing and the labor to repair your car, up to your policy limits. Some companies provide emergency roadside assistance to make it easy for you to get help when your car becomes disabled. Also referred to as roadside assistance.
Uninsured and Underinsured Motorists Coverage - Pays bodily injury claims if you or your passengers are injured by a negligent uninsured motorist, a negligent driver without adequate insurance, or a hit-and-run vehicle. Also referred to as UM.
The policy coverage definitions listed above are in the most general terms and are subject to actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to your policy itself or the policy issuer.
Auto Insurance Discounts Defined
Anti-lock Brake Credit: Anti-lock brakes are an automatic safety feature that reduces risk, therefore qualifying you for a credit on your policy.
Anti-theft Credit: Security features qualifying you for credit due to the reduced risk by installing: alarms and active disabling devices (systems that you need to turn on) keyless devices (like a remote door lock on your key chain) a passive disabling device (automatically kicks in when you remove the key from the ignition) tubular locks (bars that lock on your steering wheel).
Car Pool Credit: Commute to work in a car pool with other people and save more than the cost of gas and car maintenance, for you could also qualify for a credit on your auto policy, too! The idea behind this is that you will use your car less, especially during the busy morning and evening hours when chance of accidents is greater.
Defensive Driver Credit: Drivers who have completed a state-approved defensive driver or accident prevention course could qualify for savings. This credit may be good for only a certain number of years from the completion date of the course.
Driver Training Credit: A driver under the age of 21 who has taken a driver training course could qualify for savings.
Forgiveness Credit: Usually available to drivers who have maintained their auto policy with the same insurance carrier for many years. Rewarding loyalty, the first minor traffic accident (estimated below a certain dollar amount) may not be marked against them and raise the cost of their insurance either.
Good Student Credit: If a driver in your household is younger than 25 years old and is a full-time student with a good grade point average, they could qualify for a credit.
Loss Free Credit: Being a good customer and a low risk helps here, for some insurance companies will give a credit if you haven't made any claims during the first few years of your policy.
Low Mileage Credit: Depending on how low the amount of miles you travel in a year is, you could earn a credit on your policy. The lower the miles on the road, the less risk of an accident.
Mature Driver Discount: Some companies give credits for drivers over the age of 55.
Multi-car Credit: Insuring more than one car with your auto insurance company may make you eligible for savings.
Multi-Policy Credit: More than one type of policy with the same insurance company (for example, both an auto policy and a homeowner's policy), could mean savings.
Passive Restraint Credit: Most insurance companies will give you credit if your car has air bags, automatic seat belts, or other safety features that you don't have to turn on or buckle up manually. These features automatically reduce your risk of injury.
Renewal Credit: After a certain number of years of renewing your policy with the same company, you may get a credit with renewals. A good customer is valuable and they want to reward it.
Student Away Credit: Credit may be given if a driver in your household is a student living away at a school. If your student is more than 100 miles from home and doesn't have a car, that driver's risk is lowered because time behind the wheel is reduced.

Cruise Ship Job Descriptions

2009-02-15T07:00:00.000-08:00

Here's where you'll find in-depth cruise ship job descriptions for any position onboard.
A cruise ship is divided into several departments and shipboard employees are typically split between these departments. By viewing each department below you will find full job descriptions of all available cruise positions for that particular department.

For each position onboard there is a description, job requirements, details of the duties you would perform, employment information and a guide-line to the typical wage you would earn for that position on a cruise ship.

This section provides essential information and will help you determine which position onboard a cruise ship is right for you.

Click on any department heading below to view the full positions and job descriptions for that department:

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