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Insurance Policy - Law Dictionary Search Results

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cash surrender value

surrender value : the amount of money an insurer will pay the insured upon surrender of a life insurance policy usually calculated as the reserve held by the insurer against the policy less a charge for surrender and

incident of ownership

ownership :any of several rights (as the right to change beneficiaries) that may be exercised over a life insurance policy which are used as criteria for the inclusion of the value of a policy in a decedent's gross

declaration

statement of information (as year, make, and model) regarding the subject (as a car) and coverage of an insurance policy 4 : a statement creating or giving notice of the creation of a legal entity, relationship, or status

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incontestability clause

incontestability clause : a clause in an insurance policy that forbids the insurer from disputing the policy (as on the ground that the insured made false statements)

insuring agreement

insuring agreement : the part of an insurance policy setting out in basic terms what the policy covers

net valuation premium

net valuation premium : a premium for a life insurance policy set after a determination of the amount needed to cover liabilities and maintain policy reserves

personal injury protection (pip)

personal injury protection (pip) That part of an insurance policy, in many cases a no-fault policy, which provides protection against personal injury and related losses, as opposed to

sublimit

sublimit : a liability limit in an insurance policy for a particular risk (as loss of jewelry by theft) that is below the aggregate liability limit of

subject

subject : the person upon whose life a life insurance policy is written and upon whose death the policy is payable : insured compare beneficiary, policyholder

pro rata clause

pro rata clause : a clause in an insurance policy limiting an insurer's liability for a loss to a proportionate share in relation to coverage collectible from other

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