Dictionary of Insurance Terms.pdf

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cover
cover
cover
title :
Dictionary of Insurance TermsBarron's Business Guides
author :
Rubin, Harvey W.
publisher :
isbn10 | asin :
0764112627
print isbn13 :
9780764112621
ebook isbn13 :
9780764180118
language :
subject
publication date :
lcc :
ddc :
subject :
cover
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Dictionary of Insurance Terms
Fourth Edition
Harvey W. Rubin, Ph.D., CLU, CPCU
Professor/Chair of Insurance
Department of Economics and Finance
Louisiana State University
Shreveport, Louisiana
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© Copyright 2000 by Barron's Educational Series, Inc.
Prior editions © Copyright, 1995, 1991, 1987 by Barron's Educational Series, Inc.
All rights reserved.
No part of this book may be reproduced in any form, by photostat, microfilm, xerography, or any other means, or
incorporated into any information retrieval system, electronic or mechanical, without the written permission of the
copyright owner.
All inquiries should be addressed to :
Barron's Educational Series, Inc.
250 Wireless Boulevard
Hauppauge, NY 11788
www.barronseduc.com
Library of Congress Catalog Card No. 99-
46788
International Standard Book No. 0-7641-1262-7
Library of Congress Cataloging in Publication Data
Rubin, Harvey W.
Dictionary of insurance terms / Harvey W. Rubin. 4th ed.
p. cm.
ISBN 0-7641-1262-7
1. Insurance Dictionaries. I. Title.
HG8025.R83 2000
368'.003dc21 99-46788
CIP
PRINTED IN THE UNITED STATES OF AMERICA
9 8 7 6 5 4 3 2 1
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Contents
Preface
vii
Acknowledgments
ix
How to Use This Book Effectively
xi
Terms
1
Abbreviations and Acronyms
571
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Preface
Insurance is a financial instrumentnothing more, nothing lessthat plays a critical role in both personal and business
financial planning.
On the personal level, the money an individual spends for insurance over a lifetime surpasses all other types of
expenditures including the purchase of a home. Any doubt concerning this statement can be dispelled by adding up the
premium payments made yearly for life insurance, health insurance, pension plan, social security, individual retirement
account or Keogh Plan, automobile insurance, homeowners or tenants insurance, professional liability insurance, and
umbrella liability insurance. Yet, the individual makes these expenditures usually without adequate knowledge of the
insurance product purchased.
Essentially the same situation exists in the business world. Contributions paid into various insurance coverages in most
instances exceed other business operating expenses. Employee benefit plan contributions alone have been estimated to
range between 30-45 cents for each dollar of salary paid to an employee. When added to the cost of other business
related insurance expenditures such as workers compensation, buy-sell insurance funded agreements, key person
insurance, business property coverage, business liability insurance, and other business specialty insurances coverages,
the total cost can be overwhelming. And, astonishingly, the business insurance purchase decision is also frequently
made without sufficient basic knowledge of the various insurance products available.
Thus, one function of Barron's Dictionary of Insurance Terms is to serve as a reference source for individuals making
personal and business insurance planning decisions. The Dictionary provides concise definitions and examples of those
terms most likely to confront the insurance consumer on all levels. The insurance field is rapidly changing. More new
insurance products have reached the marketplace in the last few years than in all previous years combined. The
Dictionary contains definitions and illustrative examples of these "state of the art" offerings as well as of the traditional
products. Cross references allow the reader to research variations of the terms to be defined and other relevant
definitions.
Another reason for the existence of Barron's Dictionary of Insurance Terms is to provide a reference source for
practitioners who require succinct, technically accurate answers to insurance and risk management terminology
questions. Professionals in the field will find the Dictionary to be a readily accessible reference source for virtually all
terms that are used in the everyday conduct of business. The spectrum of insurance activities that is covered
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