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English - Wikipedia

Peoples, culture, and language. English, an adjective for something of, from, or related to England. English national identity, an identity and common culture; English language in England, a variant of the English language; English languages (disambiguation) English studies, the study of English language and literature; English, an Amish term for non-Amish, regardless of ethnicity

Actived: Thursday Oct 22, 2020

URL: https://en.wikipedia.org/wiki/English

Insurance - Wikipedia

Details: Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.. An entity which provides insurance is known as an insurer, insurance company, insurance carrier or underwriter.A person or entity who buys insurance is known as an insured or as a policyholder.

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Insurance law - Wikipedia

Details: Insurance law is the practice of law surrounding insurance, including insurance policies and claims. It can be broadly broken into three categories - regulation of the business of insurance; regulation of the content of insurance policies, especially with regard to consumer policies; and regulation of claim handling.

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Microinsurance - Wikipedia

Details: Microinsurance is the protection of low-income people (those living on between approximately $1 and $4 per day( below $4)) against specific perils in exchange for regular premium payment proportionate to the likelihood and cost of the risks involved.This definition is exactly the same as one might use for regular insurance except for the clearly prescribed target market: low-income people.

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Commercial general liability insurance - Wikipedia

Details: Commercial general liability insurance is a broad type of insurance policy which provides liability insurance for general business risks.. Commercial General Liability (CGL) is the specific name for a policy of this type in the United States insurance market. It is the "first line" of coverage that a business typically purchases, and covers many of the common risks that can happen to any type

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Social insurance - Wikipedia

Details: Social insurance is a concept where the government intervenes in the insurance market to ensure that a group of individuals are insured or protected against the risk of any emergencies that lead to financial problems. This is done through a process where individuals' claims are partly dependent on their contributions, which can be considered as insurance premium to create a common fund out of

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Directors and officers liability insurance - Wikipedia

Details: Directors and officers liability Insurance (also written "directors’ and officers’ liability insurance"; often called "D&O") is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action

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Insurance in the United States - Wikipedia

Details: Insurance in the United States refers to the market for risk in the United States, the world's largest insurance market by premium volume. Of the $4.640 trillion of gross premiums written worldwide in 2013, $1.274 trillion (27%) were written in the United States.. Insurance, generally, is a contract in which the insurer agrees to compensate or indemnify another party (the insured, the

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Assurance - Wikipedia

Details: Assurance may refer to: . Assurance (computer networking) Assurance (theology), a Protestant Christian doctrine Assurance services, offered by accountancy firms; Life assurance, an insurance on human life; Quality assurance; Assurance IQ, Inc., a subsidiary of Prudential Financial; Places. Assurance, West Virginia, an unincorporated community in the United States

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Bancassurance - Wikipedia

Details: Bancassurance is a relationship between a bank and an insurance company that is aimed at offering insurance products or insurance benefits to the bank's customers. In this partnership, bank staff and tellers become the point of sale and point of contact for the customer. Bank staff are advised and supported by the insurance company through wholesale product information, marketing campaigns and

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Lloyd's of London - Wikipedia

Details: Lloyd's of London, generally known simply as Lloyd's, is an insurance and reinsurance market located in London, United Kingdom.Unlike most of its competitors in the industry, it is not an insurance company; rather, Lloyd's is a corporate body governed by the Lloyd's Act 1871 and subsequent Acts of Parliament.It operates as a partially-mutualised marketplace within which multiple financial

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Vehicle insurance - Wikipedia

Details: Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles.Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. . Vehicle insurance may additionally offer

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Cyber insurance - Wikipedia

Details: Cyber-insurance is a specialty lines insurance product intended to protect businesses, and individuals providing services for such businesses, from Internet-based risks, and more generally from risks relating to information technology infrastructure, information privacy, information governance liability, and activities related thereto. Risks of this nature are typically excluded from

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Aon (company) - Wikipedia

Details: Aon plc (/eɪˈon/) is a large Anglo-American, Irish Domiciled global professional services firm that sells a range of financial risk-mitigation products, including insurance, pension administration, and health-insurance plans. Aon has approximately 50,000 employees in 120 countries. Aon was created in 1982 when the Ryan Insurance Group merged with the Combined Insurance Company of America.

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Property insurance - Wikipedia

Details: Property insurance provides protection against most risks to property, such as fire, theft and some weather damage.This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance.Property is insured in two main ways—open perils and named perils.. Open perils cover all the causes of loss not specifically excluded

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Life insurance - Wikipedia

Details: Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder). Depending on the contract, other events such as terminal illness

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Insurance score - Wikipedia

Details: An insurance score – also called an insurance credit score – is a numerical point system based on select credit report characteristics. There is no direct relationship to financial credit scores used in lending decisions, as insurance scores are not intended to measure creditworthiness, but rather to predict risk.Insurance companies use insurance scores for underwriting decisions, and to

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Collateral protection insurance - Wikipedia

Details: Collateral Protection Insurance, or CPI, insures property held as collateral for loans made by lending institutions. CPI, also known as force-placed insurance and lender placed insurance, may be classified as single-interest insurance if it protects the interest of the lender, a single party, or as dual-interest insurance coverage if it protects the interest of both the lender and the borrower.

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Health insurance - Wikipedia

Details: Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over numerous persons.By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care

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Flood insurance - Wikipedia

Details: Nationwide, only 20% of American homes at risk for floods are covered by flood insurance. Most private insurers do not insure against the peril of flood due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of flood.In traditional insurance, insurers use the economic law of large numbers to charge a relatively small fee to

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Satellite insurance - Wikipedia

Details: Satellite insurance is a specialized branch of aviation insurance in which, as of 2000, about 20 insurers worldwide participate directly. Others participate through reinsurance contracts with direct providers. It covers three risks: relaunching the satellite if the launch operation fails; replacing the satellite if it is destroyed, positioned in an improper orbit, or fails in orbit; and

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Protection and indemnity insurance - Wikipedia

Details: Protection and indemnity insurance, more commonly known as P&I insurance, is a form of mutual maritime insurance provided by a P&I club. Whereas a marine insurance company provides "hull and machinery" cover for shipowners, and cargo cover for cargo owners, a P&I club provides cover for open-ended risks that traditional insurers are reluctant to insure.

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Insurance broker - Wikipedia

Details: Insurance broker became a regulated term under the Insurance Brokers (Registration) Act 1977 which was designed to thwart the bogus practices of firms holding themselves as brokers but in fact acting as representative of one or more favoured insurance companies. The term now has no legal definition following the repeal of the 1977 Act.

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Chubb Limited - Wikipedia

Details: Chubb Limited, incorporated in Zurich, Switzerland, is the parent company of Chubb, a global provider of insurance products covering property and casualty, accident and health, reinsurance, and life insurance and the largest publicly traded property and casualty company in the world. Chubb operates in 54 countries and territories and in the Lloyd's insurance market in London.

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Accidental death and dismemberment insurance - Wikipedia

Details: In insurance, accidental death and dismemberment (AD&D) is a policy that pays benefits to the beneficiary if the cause of death is an accident.This is a limited form of life insurance which is generally less expensive, or in some cases is an added benefit to an existing life insurance policy.

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Captive insurance - Wikipedia

Details: Captive insurance is an alternative to self-insurance in which a parent group or groups create a licensed insurance company to provide coverage for itself. The main purpose of doing so is to avoid using traditional commercial insurance companies, which have volatile pricing and may not meet the specific needs of the company.

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Workers' compensation - Wikipedia

Details: Workers' compensation or workers' comp (formerly workmen's compensation until the name was changed to make it gender-neutral) is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.

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Bond insurance - Wikipedia

Details: Bond insurance, also known as "financial guaranty insurance", is a type of insurance whereby an insurance company guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond or security. It is a form of "credit enhancement" that generally results in the rating of the insured security being the higher of (i) the

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Liability insurance - Wikipedia

Details: Liability insurance (also called third-party insurance) is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy.. Originally, individual companies that faced a common

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Insurance Services Office - Wikipedia

Details: Insurance Services Office, Inc. (ISO), a subsidiary of Verisk Analytics, is a provider of statistical, actuarial, underwriting, and claims information and analytics; compliance and fraud identification tools; policy language; information about specific locations; and technical services.

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Insurance Premium Tax (United Kingdom) - Wikipedia

Details: the Insurance Premium Tax Regulations 1994 (statutory instrument 1994/1774 - as amended), which is the main secondary legislation relating to IPT and which gives more details about the operation of the tax; Rates. There are two different insurance premium tax rates: a standard rate of 12%; a higher rate of 20%

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Reinsurance - Wikipedia

Details: Reinsurance is insurance that an insurance company purchases from another insurance company to insulate itself (at least in part) from the risk of a major claims event. With reinsurance, the company passes on ("cedes") some part of its own insurance liabilities to the other insurance company. The company that purchases the reinsurance policy is called a "ceding company" or "cedent" or "cedant

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Co-insurance - Wikipedia

Details: In the United States. In the U.S. insurance market, co-insurance is the joint assumption of risk between the insurer and the insured.In title insurance, it also means the sharing of risks between two or more title insurance companies.. In health insurance. In health insurance, copayment is fixed while co-insurance is the percentage that the insured pays after the insurance policy's deductible

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Managing general agent - Wikipedia

Details: In insurance, a managing general agent is defined legally as "an individual or business entity appointed by an insurer to solicit applications from agents for insurance contracts or to negotiate insurance contracts on behalf of an insurer and, if authorized to do so by an insurer, to effectuate and countersign insurance contracts". (This particular wording is from Kentucky Revised Statutes.

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Pet insurance - Wikipedia

Details: Pet insurance pays, partly or in total, for veterinary treatment of the insured person's ill or injured pet.Some policies will pay out when the pet dies, or if the pet is lost or stolen. As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pets' health care and standard of living than previously, the market for

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Deductible - Wikipedia

Details: In an insurance policy, the deductible is the amount paid out of pocket by the policy holder before an insurance provider will pay any expenses. In general usage, the term deductible may be used to describe one of several types of clauses that are used by insurance companies as a threshold for policy payments.. Deductibles are typically used to deter the large number of claims that a consumer

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Insurance bad faith - Wikipedia

Details: Insurance bad faith is a legal term of art unique to the law of the United States (but with parallels elsewhere, particularly Canada) that describes a tort claim that an insured person may have against an insurance company for its bad acts. Under United States law, insurance companies owe a duty of good faith and fair dealing to the persons they insure. This duty is often referred to as the

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Insurance policy - Wikipedia

Details: In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for an initial payment, known as the premium, the insurer promises to pay for loss caused by perils covered under the policy language.

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Oscar Health - Wikipedia

Details: Oscar Health Insurance is a technology-driven health insurance company founded in 2012, and is headquartered in New York City. The company focuses on the health insurance industry through telemedicine, healthcare focused technological interfaces, and transparent claims pricing systems which would make it easier for patients to navigate. By 2017, Oscar had expanded to markets in San Antonio

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Private placement life insurance - Wikipedia

Details: Variable or indexed life insurance is a form of life insurance that has cash value linked to the performance of one or more investment accounts within the policy. Because of its investment features, insurance carriers in the United States typically register offerings of variable life insurance with federal and state securities regulators.

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Insurable interest - Wikipedia

Details: Insurable interest is no longer strictly an element of life insurance contracts under modern law. Exceptions include viatication agreements and charitable donations.. 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

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Condition of average - Wikipedia

Details: Condition of average (also called underinsurance in the U.S., or principle of average, subject to average, or pro rata condition of average in Commonwealth countries) is the insurance term used when calculating a payout against a claim where the policy undervalues the sum insured. In the event of partial loss, the amount paid against a claim will be in the same proportion as the value of the

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Health insurance in the United States - Wikipedia

Details: Health insurance in the United States is any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance, or a social welfare program funded by the government. Synonyms for this usage include "health coverage", "health care coverage", and "health benefits". In a more technical sense, the term "health insurance" is used to describe any form of

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Insurance in the United Kingdom - Wikipedia

Details: Insurance in the United Kingdom, particularly long-term insurance, is divided into different categories.The categorisation is currently set out in sections 333B, and 431B to 431F of the Income and Corporation Taxes Act 1988 (ICTA) with each category of business given a different tax treatment. The Chartered Insurance Institute is a prominent professional group first chartered in 1913 The

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Damage waiver - Wikipedia

Details: Damage waiver or, as it is often referred to, collision damage waiver (CDW) or loss damage waiver (LDW), is optional damage insurance coverage that is available to you when you rent a car.. Car rental companies treat the CDW as a waiver of their right to make the renter pay for damages to the car. In many countries, it is a legal requirement to have CDW insurance included in the basic car

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Insurance regulatory law - Wikipedia

Details: Insurance regulatory law is the body of statutory law, administrative regulations and jurisprudence that governs and regulates the insurance industry and those engaged in the business of insurance. Insurance regulatory law is primarily enforced through regulations, rules and directives by state insurance departments as authorized and directed by statutory law enacted by the state legislatures.

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History of insurance - Wikipedia

Details: The history of insurance traces the development of the modern business of insurance against risks, especially regarding cargo, property, death, automobile accidents, and medical treatment.. The insurance industry helps to eliminate risks (as when fire-insurance providers demand the implementation of safe practices and the installation of hydrants), spreads risks from individuals to the larger

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Securities Investor Protection Corporation - Wikipedia

Details: The Securities Investor Protection Corporation (SIPC / ˈ s ɪ p ɪ k /) is a federally mandated, non-profit, member-funded, United States corporation created under the Securities Investor Protection Act (SIPA) of 1970 that mandates membership of most US-registered broker-dealers.Although created by federal legislation and overseen by the Securities and Exchange Commission, the SIPC is neither

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Cancer insurance - Wikipedia

Details: Cancer insurance is a type of supplemental health insurance that is meant to manage the risks associated with the cancer disease and its numerous manifestations. Cancer insurance is relatively new trend within the insurance industry at large. It is meant to mitigate the costs of cancer treatment and provide policyholders with a degree of financial support.

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Marine insurance - Wikipedia

Details: Marine insurance covers the loss or damage of ships, cargo, terminals, and any transport by which the property is transferred, acquired, or held between the points of origin and the final destination. Cargo insurance is the sub-branch of marine insurance, though Marine insurance also includes Onshore and Offshore exposed property, (container terminals, ports, oil platforms, pipelines), Hull

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