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Independent adjusters are independent contractors who adjust claims for different insurance companies. In the case of natural disasters, such as earthquakes, adverse selection concentrates risk instead of spreading it. Assets ) ADMITTED COMPANY - An insurance company licensed and authorized to do business in a particular state. ACCELERATED DEATH BENEFITS - A life insurance policy option that provides policy proceeds to insured individuals over their lifetimes, in the event of a terminal illness. Evaluates insurance firms‘ reserves, determines rates and rating methods, and determines other business and financial risks.

These organizations coordinate patient care and provide the full range of health care services for patients. These adjusters differ from public adjusters, who negotiate with insurers on behalf of policyholders, and receive a portion of a claims settlement. Feria Internacional de la Industria Naval, celebrada en Vigo (España), durante los pasados dís 24, 25 y 26 de Mayo, en el Recinto del Instituto Ferial de Vigo (IFEVI), con una cifra de asistentes cercana a los 25. Such benefits kick in if the insured becomes terminally ill, needs extreme medical intervention, or must reside in a nursing home. ADVERSE SELECTION - The tendency of those exposed to a higher risk to seek more insurance coverage than those at a lower risk.

The payments made while the insured is living are deducted from any death benefits paid to beneficiaries. Replacement cost ) ACTUARY - An insurance professional skilled in the analysis, evaluation and management of statistical information. Insurance works best when risk is shared among large numbers of policyholders. ACTUAL CASH VALUE - A form of insurance that pays damages equal to the replacement value of damaged property minus depreciation. ADJUSTER - An individual employed by a property/casualty insurer to evaluate losses and settle policyholder claims. Only assets that can be easily sold in the event of liquidation or borrowed against, and receivables for which payment can be reasonably anticipated, are included in admitted assets. Benefits will pay for preventative services, medical expenses and catastrophic care, with limits. PLAN - An employer-sponsored retirement savings plan funded by employee contributions, which may or may not be matched by the employer. A-SHARE VARIABLE ANNUITY - A form of variable annuity contract where the contract holder pays sales charges up front rather than eventually having to pay a surrender charge.

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ACCELERATED DEATH BENEFITS - A life insurance policy option that provides policy proceeds to insured individuals over their lifetimes, in the event of a terminal illness. ADDITIONAL LIVING EXPENSES - Extra charges covered by homeowners policies over and above the policyholder‘s customary living expenses. They kick in when the insured requires temporary shelter due to damage by a covered peril that makes the home temporarily uninhabitable. ADJUSTER - An individual employed by a property/casualty insurer to evaluate losses and settle policyholder claims. To make it easier to assess an insurance company‘s financial position, state statutory accounting rules do not permit certain assets to be included on the balance sheet.

The payments made while the insured is living are deducted from any death benefits paid to beneficiaries. Norispan estuvo presente con un stand de 96m², donde contamos con la presencia de nuestros partners, presentando nuestra gama de productos y sistemas. Independent adjusters are independent contractors who adjust claims for different insurance companies. Replacement cost ) ACTUARY - An insurance professional skilled in the analysis, evaluation and management of statistical information. These organizations coordinate patient care and provide the full range of health care services for patients.

ADMITTED ASSETS - Assets recognized and accepted by state insurance laws in determining the solvency of insurers and reinsurers. The health reform law provides incentives for providers who join together to form such organizations and who agree to be accountable for the quality, cost, and overall care of Medicare beneficiaries who are enrolled in the traditional fee-for-service program who are assigned to the ACO. This is in lieu of a traditional policy that pays beneficiaries after the insured‘s death. Such benefits kick in if the insured becomes terminally ill, needs extreme medical intervention, or must reside in a nursing home. ACTUAL CASH VALUE - A form of insurance that pays damages equal to the replacement value of damaged property minus depreciation. Benefits will pay for preventative services, medical expenses and catastrophic care, with limits. A-SHARE VARIABLE ANNUITY - A form of variable annuity contract where the contract holder pays sales charges up front rather than eventually having to pay a surrender charge. Federal laws allow employees to invest pretax dollars, up to a stated maximum each year. Only assets that can be easily sold in the event of liquidation or borrowed against, and receivables for which payment can be reasonably anticipated, are included in admitted assets. ADVERSE SELECTION - The tendency of those exposed to a higher risk to seek more insurance coverage than those at a lower risk.

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