Occupations which expose the insured to greater than normal physical dangers by the very nature of the
work in which the insured is engaged, the varying periods of absence from the occupation, due to the
disability, that can be expected.
Most life insurance policies provide options with respect to settlement arrangements, dividends, and
Optionally Renewable Contract
A contract of health insurance in which the insurer reserves the right to terminate the coverage at
any anniversary or, in some cases, at any premium due date, but does not have the right to terminate
coverage between such dates.
Ordinary Life Insurance
Life insurance which is owned by an individual and usually has a face amount
of more than $1,000.
Other Assurance Services
Any service that is designed to examine, review or perform agreed-upon procedures
on specific subject matter, or an assertion about subject matter, that is the
responsibility of another party.
A type of short-term disability income contract that reimburses the insured person for specified,
fixed, monthly expenses, normal and customary in the operation and conduct of his or her business or office.
This information should not be construed as legal advice or a legal opinion on any factual situation.
This summary is for illustrative purposes and is not a contract. It is intended to provide a general
overview, at the time first posted, of the topics described. Only the insurance policy can give actual
terms, conditions and exclusions.