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Insurance

Premiums in force

Life insurance policies that are still in effect at a specific moment are referred to as "in-force" policies. The total value of these policies can be calculated by adding together the face amounts and any dividend additions. This is an important concept to understand in the realm of finance, as it reflects the total amount of coverage that a person or entity currently holds.

Participating

Life insurance policies come in various forms, and one such type is called participating life insurance. This type of policy involves a dividend, which is essentially a retu...

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Reasonable expectations

The principle of reasonable expectation, an extension of the adhesion doctrine, holds that insurance coverage should be interpreted based on what the insured would reasonabl...

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Consequential losses

In the world of finance, there are various terms that may seem complex at first but are crucial to understand. One such term is "losses other than property damage." This ref...

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Offer and Acceptance

When applicants seek insurance coverage, they must sign an application and pay the initial premium. If required, they may also undergo a physical examination. The issuance o...

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