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Generally, depreciation is not an insurable loss. Premium — The price of insurance protection for a specified risk for a specified period of time. Like Us on Facebook. Liability — Broadly, any legally enforceable obligation. Also known as "waiting period. Automobile Liability Insurance — Coverage if an insured is legally liable for bodily injury or property damage caused by a vehicle that the individual owns or operates. Extended Replacement Cost — This coverage pays a certain amount above the policy limit to replace a damaged home, generally percent or percent. Formerly known as Decoration Day, Memorial Day commemorates the people who lost their lives while in service in the U. Death Benefit — The limit of insurance or the amount of benefit that will be paid in the event of the death of a covered person. Insurance Institute of America IIA — An organization that develops programs and conducts national examinations in general insurance, risk management, management, adjusting, underwriting, auditing and loss control management.
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In life insurance, living and death benefits are listed. Actual Cash Value — The fair market value of property; technically replacement cost less depreciation. Variable Life Insurance — A form of Life insurance whose face value fluctuates depending on the value of the dollar, securities or other equity products supporting the policy at the time premium payment is due. Exposure — Measure of vulnerability to loss, usually expressed in dollars or units. Also known as "waiting period.