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To be eligible for the Good Drivers Discount all operators of the insured vehicles must have been licensed for three or more year, have no more than a one (1) point charge on their driving record and has not been determined "at fault" in an accident resulting in bodily injury or death to any person. Ceded Reinsurance Leverage - The ratio of the reinsurance premiums ceded, plus net ceded reinsurance balances from non-US affiliates for paid losses, unpaid losses, incurred but not reported (IBNR), unearned premiums and commissions, less funds held from reinsurers, plus ceded reinsurance balances payable, to policyholders' surplus. This ratio measures the company's dependence upon the security provided by its reinsurers and its potential exposure to adjustment on such reinsurance.
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Re-Entry - Re-entry, which is the allowance for level-premium term policyowners to qualify for another level-premium period, generally with new evidence of insurability. Installment Loan A credit account in which the amount of the payment and the number of payments are predetermined or fixed.
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Comparative Negligence Qualifying Ratio: A ratio used for assessing whether a loan applicant would be able to meet the repayment obligation, before approving a loan. It also helps to determine how much an applicant can borrow. The most commonly used qualifying ratios are front end ratios and back end ratios. The Front end ratio, also known as a housing-expense ratio, compares the monthly proposed house payments to the gross monthly income, while back-end ratios shows the percentage of the monthly income that goes towards repayment of debts.
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