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2. Utilization management - Wikipedia

   en.wikipedia.org/wiki/Utilization_management

   Utilization management (UM) or utilization review is the use of managed care techniques such as prior authorization that allow payers, particularly health insurance companies, to manage the cost of health care benefits by assessing its medical appropriateness before it is provided, by using evidence-based criteria or guidelines.

3. Unum - Wikipedia

   en.wikipedia.org/wiki/Unum

   Its underwriting insurers include The Paul Revere Life Insurance Company and Provident Life and Accident Insurance Company. [4] Unum is the top disability insurer in both the United States and United Kingdom [5] and also offers other insurance products including accident, critical illness and life insurance.

4. Term life insurance - Wikipedia

   en.wikipedia.org/wiki/Term_life_insurance

   Term life insurance or term assurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions.

5. How to buy life insurance without a medical exam - AOL

   www.aol.com/finance/buy-life-insurance-without...

   Health questionnaire? Yes. Term life insurance provides coverage for a specified period, such as 10, 20 or 30 years. If the policyholder passes away during the term, the death benefit is paid to ...

6. Types of life insurance - AOL

   www.aol.com/finance/types-life-insurance...

   Term life insurance. Term life insurance is typically more affordable than permanent life insurance because it is only active within a set period. Among the various types of term life insurance ...

7. What is a life insurance premium and how does it work? - AOL

   www.aol.com/finance/life-insurance-premium-does...

   A life insurance premium is the rate you pay for life insurance coverage. Life insurance premiums are determined using factors such as age, health, policy type and coverage limits.