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Preferred Provider Organization - Network of medical providers who charge on a fee-for-service basis, but are paid on a negotiated, discounted fee schedule. Floater - A separate policy available to cover the value of goods beyond the coverage of a standard renters insurance policy including movable property such as jewelry or sports equipment.
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Licensed for Reinsurance Only - Indicates the company is a licensed (admitted) insurer to write reinsurance on risks in this state. Equal Credit Opportunity Act (ECOA): A federal law that requires creditors and lenders to avoid discrimination on the basis of race, color, religion, age, sex, national origin, marital status, as well as income received from public assistance program, while providing credit.
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PIN Cashing: A fraud that involves withdrawal of cash using stolen credit or debit card information. ACTUAL CASH VALUE
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Credit items that have a positive status and should reflect favorably on your creditworthiness. The process a consumer credit reporting agency goes through in order to verify credit report information disputed by a consumer. The credit grantor who supplied the information is contacted and asked to review the information and report back; they will tell the credit reporting agency that the information is accurate as it appears, or they will give us corrected information to update the report.
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Net Premium - The amount of premium minus the agent's commission. Also, the premium necessary to cover only anticipated losses, before loading to cover other expenses. Indicates a judgment that was rendered void or set aside.
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Policyholder Surplus - The sum of paid in capital, paid in and contributed surplus, and net earned surplus, including voluntary contingency reserves. It also is the difference between total admitted assets and total liabilities. Whole Life Insurance - Life insurance which might be kept in force for a person's whole life and which pays a benefit upon the person's death, whenever that might be.
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