Adjustable Rate Mortgage (ARM)

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Assigned benefits. An arrangement whereby your physician accepts payment directly from the insurance company. Last Reported
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Tribureau Credit Report: A credit report compiled with the information available with all the three major credit bureaus. Also known as a 'merged credit report' or a '3-in-1 credit report'. Staff adjuster who handles claims in remote areas of a region.
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Guaranty Association - An organization of life insurance companies within a state responsible for covering the financial obligations of a member company that becomes insolvent. One of the three national credit reporting agencies, headquartered in Atlanta, Ga. The other two are Experian and TransUnion.
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Successive Periods - In hospital income protection, when confinements in a hospital are due to the same or related causes and are separated by less than a contractually stipulated period of time, they are considered part of the same period of confinement. When the policy is terminated midterm by the insurance company, the earned premium is calculated only for the period coverage was provided. For example: an annual policy with premium of $1,000 is cancelled after 40 days of coverage at the company's election. The earned premium would be calculated as follows: 40/365 days X $1,000=.110 X $1,000=$110.