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  2. Insurability - Wikipedia

    en.wikipedia.org/wiki/Insurability

    An individual with very low insurability may be said to be uninsurable, and an insurance company will refuse to issue a policy to such an applicant. [3] For example, an individual with a terminal illness and a life expectancy of 6 months would be uninsurable for term life insurance. This is because the probability is so high for the individual ...

  3. Life insurance - Wikipedia

    en.wikipedia.org/wiki/Life_insurance

    Accidental death insurance can also supplement standard life insurance as a rider. If a rider is purchased, the policy generally pays double the face amount if the insured dies from an accident. This was once called double indemnity insurance. In some cases, triple indemnity coverage may be available.

  4. Term life insurance - Wikipedia

    en.wikipedia.org/wiki/Term_life_insurance

    A form of term life insurance coverage that provides a return of some of the premiums paid during the policy term if the insured person outlives the duration of the term life insurance policy. For example, if an individual owns a 10-year return of premium term life insurance plan and the 10-year term has expired, the premiums paid by the owner ...

  5. Insurable interest - Wikipedia

    en.wikipedia.org/wiki/Insurable_interest

    The principle of insurable interest on life insurance is that a person or organization can obtain an insurance policy on the life of another person if the person or organization obtaining the insurance values the life of the insured more than the amount of the policy. In this way, insurance can compensate for loss.

  6. Difference in conditions insurance - AOL

    www.aol.com/finance/difference-conditions...

    DIC insurance is commonly used by business owners, especially those with large-scale operations or expensive corporate buildings, to bridge the gap in coverage from their standard insurance policies.

  7. Insurance in the United States - Wikipedia

    en.wikipedia.org/wiki/Insurance_in_the_United_States

    Insurance, generally, is a contract in which the insurer agrees to compensate or indemnify another party (the insured, the policyholder or a beneficiary) for specified loss or damage to a specified thing (e.g., an item, property or life) from certain perils or risks in exchange for a fee (the insurance premium). [2] For example, a property ...

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