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Viatical Settlement Provider - Someone who serves as a sales agent, but does not actually purchase policies. Lapsed policy. A policy terminated for non-payment of premiums. Level premium life insurance. Life insurance for which the premium remains the same from year to year.
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Obligor - Commonly called "principal," one bound by an obligation. Under a bond, strictly speaking, both the principal and the surety are obligers. Agent -individual who sells and services insurance policies in either of two classifications:
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Paid-up insurance. Insurance on which all required premiums have been paid. Risk Scoring Models: Statistical models with complicated formulas, that are used for measuring the risk involved with loans or debt. In other words, they evaluate the creditworthiness of the individuals or businesses, on the basis of their credit history.
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Lease A written document containing the conditions under which the possession and use of real and/or personal property are given by the owner to another for a stated period and for a stated consideration. Consolidation Loan A loan usually obtained for the purpose of reducing the amount of the payments of bills owing by consolidating the bills into one loan payment. The consumer pays off several bills with the proceeds from one loan and is left with one consolidated monthly payment.
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Subrogation. The legal process by which an insurance company seeks to recover a claim it has paid from another company or person who is legally liable for it. Comparative Negligence
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A private or civil wrong or injury, other than breach of contract, which violates a person's legally protected right(s), and for which the law may permit a remedy in the form of money damages. A doctrine of law that, in some states, may prevent claimants from recovering any portion of their damages if they are even partially at fault, or negligent.
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