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Guaranteed insurability. An option that lets the policyholder buy more life insurance at stated times in the future without a medical exam. Credit Items
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Blue Cross. An independent, mutual for profit membership corporation providing coverage for hospital care. A service credit is an acknowledgement that you have on-going liabilities as a result of a service you use. For example, you might receive power to your house. You usually use the power before you pay for it –and therefore the service credit is the power which is used before the charge is made.
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Nonforfeiture table. A cash value life insurance policy table listing the insured's options to take the policy as extended term insurance, as cash, or as reduced paid-up life insurance. Civil Action
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Grace period. A period (usually 30 to 31 days) following the premium due date, during which an overdue premium may be paid without penalty. The policy remains in force throughout the period. Consumers who file for bankruptcy will have a waiting period before being deemed bankrupt. Until the bankruptcy is accepted in court, the application for bankruptcy is known as a petition.
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