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Living benefits

In some life 

Insurance

 policies, benefits available before death, in such events as 

Long-term

, catastrophic or terminal illness. This 

Benefit

 first became available when companies 

Offering

 viatical settlements purchased the life 

Insurance

 policies of terminally ill individuals from the 

Insurance

 companies which issued the policies. After extracting a portion of the value of the 

Policy

 for costs and 

Profit

, these companies offered the 

Remainder

 of the death 

Benefit

 to terminally ill 

Policy

 holders. 

Insurance

 companies have different rules about how much 

Money

 can be extracted and how 

Close

 to death the holder must be to receive benefits early. The 

Remainder

 of the value of the policy, minus interest 

Charge

, is awarded to the beneficiaries upon the death of the holder. also called 

Accelerated benefits

.



Related Terms: 26

Accelerated benefits

,

Benefit

,

Charge

,

Call

,

CLO

,

Close

,

Death benefit

,

Insurance

,

Interest

,

ITS

,

Long

,

Long-term

,

Life insurance

,

Money

,

Offer

,

Offering

,

Profit

,

Purchase

,

Policy

,

Remainder

,

Rent

,

Ring

,

Settlement

,

Settle

,

Sue

,

Term


Other Related Pages:

Category: Insurance


Starting With: L


Semi Related Terms: 838  CLICK HERE TO VIEW

30-day wash rule

,

Accelerated Cost Recovery System

,

Accelerated Depreciation

,

Acquisition cost

,

Allowance for depreciation

,

Available assets

,

Adjustable rate

,

Accreted value

,

Accrual of discount

,

Accrued interest

,

After-tax basis

,

Amortization of premium

,

Amortized value

,

At par

,

All or any part

,

At best

,

At call

,

Active money

,

Adjustable rate preferred stock

,

Accommodative monetary policy

,

Accelerated benefits

,

Accidental death benefit

,

Adjustable life insurance

,

All-risks coverage

,

At risk

,

Add-on service

,

Abstract of title

,

Action to quiet title

,

As is

,

Assignment to creditors

,

Attorney in fact

,

Adjustable Rate Mortgage

,

Advance rate

,

After acquired clause

,

After-acquired collateral

,

Amortization term

,

Annual Percentage Rate

,

Applicable federal rate

,

Assignment of mortgage

,

Average life

,

A shares

,

At the money

,

Absorption rate

,

After-tax contributions

,

Across the board

,

Additional paid-in capital

,

Average up

,

After-tax

,

Assessed value

,

After-hours trading

,

Against the box

,

At the bell

,

At the close

,

At the figure

,

At the full

,

At the market

,

At the opening order

,

Automated Pricing and Reporting System

,

Away from the market

,

Below the line

,

Book profit

,

Books of final entry

,

Books of original entry

,

Book value per share

,

Burn rate

,

Banking Act of 1933

,

Barren money

,

Benchmark interest rate

,

Bid-to-cover ratio

,

Bureau of Public Debt

,

Best efforts offering

,

Brought over the wall

,

Buying on margin

,

Buy minus

,

Buy minus order

,

Buy on close

,

Buy on opening

,

Buy the book

,

Broad money

,

Balance of payments

,

Bank Rate

,

Base interest rate

,

Board of Governors

,

Benefit

,

Break-even analysis

,

Breaking the syndicate

,

Bill of exchange

,

Bill of sale

,

Breach of trust

,

By the book

,

Bailing out

,

Bank term loan

,

Base rate

,

Blended rate

,

Broker loan rate

,

Business finance companies

,

Bust-up takeover

,

Blitzkrieg tender offer

,

Breakup value

,

B shares

,

Buy and write

,

Benefit offset

,

Benefits administration

,

Before-tax income

,

Break-even tax rate

,

Blow-off top

,

Breadth-of-market theory

,

Beat the gun

,

Capitalized cost

,

Capitalized interest

,

Charge

,

Cost Accounting

,

Cost Of Goods Sold

,

Cost of sales

,

Compound interest

,

Call

,

Call date

,

Called away

,

Called bond

,

Call price

,

Call protection

,

Call risk

,

CAT bond

,

Certificate of Participation

,

CLO

,

Committee on Uniform Securities Identification Procedures

,

Conversion value

,

Coupon rate

,

Current issue

,

Current market value

,

Current production rate

,

Call money rate

,

Closed out

,

Code of procedure

,

Customer protection rule

,

Capitalization of income

,

Capitalization rate

,

Cap rate

,

Civilian unemployment rate

,

Cost of Living Adjustment

,

Cost-of-living index

,

Council of Economic Advisers

,

Carrying charge

,

Cash and carry trade

,

Cash settlement

,

Chasing the market

,

Cheapest to deliver

,

Chicago Board of Trade

,

Commodities Exchange Act

,

Cost basis

,

Cash surrender value

,

Cash value

,

Cash value life insurance policy

,

Casualty insurance

,

Catastrophic coverage

,

Chartered Life Underwriter

,

Convertible term insurance

,

Cost-of-living rider

,

Credit insurance

,

Credit life insurance

,

Certificate of stock

,

Cost of carry

,

Certificate of title

,

Contingent remainder

,

Contract for deed

,

Cancellation of debt

,

Cash-out refinancing

,

Certificate of Claim

,

Charge card

,

Consumer interest

,

Cost of debt capital

,

Cost of funds

,

Crowding out

,

Creeping tender offer

,

Contingent deferred sales charge

,

C shares

,

Call option

,

Call ratio backspread

,

Call swaption

,

Class of options

,

Close to the money

,

Covered call

,

Certificate of Occupancy

,

Cloud on title

,

Cash or Deferred Arrangement

,

Class A Shares

,

Class B Shares

,

Crash of 1929

,

Crash of 1987

,

Child and dependent care credit

,

Coefficient of determination

,

Cup and handle

,

Certificate of delivery

,

Close

,

Close a position

,

Close market

,

Close out

,

Closing purchase

,

Cornering the market

,

Curbs in

,

Curbs out

,

Deferred charge

,

Depreciated cost

,

Direct profit

,

Deposit in transit

,

Date of issue

,

Date of payment

,

Deferred interest bond

,

Dual currency bond

,

Dual listing

,

Division of Enforcement

,

Division of Investment Management

,

Division of Market Regulation

,

Date of record

,

Dividend in arrears

,

Dividend rate

,

Desk (the)

,

Discount rate

,

Division of labor

,

Death benefit

,

Decreasing term life

,

Disability insurance

,

Dual life insurance

,

Direct Public Offering

,

De-escalation clause

,

De facto

,

Doing business as

,

Durable Power of Attorney

,

Date of maturity

,

Debtor in possession

,

Debtor-in-possession financing

,

Deed of Release

,

Deed of Trust

,

Discharge of bankruptcy

,

Discharge of lien

,

Due-on-sale clause

,

Dollar cost averaging

,

Dual-purpose fund

,

Deep in the money

,

Deep out of the money

,

Deed of Surrender

,

Department of Housing and Urban Development

,

Defined benefit plan

,

Dogs of the Dow

,

Double up

,

Dead cat bounce

,

Depth of market

,

Economic value

,

Effective annual interest rate

,

Eurodollar certificate of deposit

,

Exact interest

,

Escrowed to maturity

,

Event risk

,

Ex-legal

,

Either-or order

,

Exchange rate

,

Extended broad money

,

Easy monetary policy

,

Economic growth rate

,

Edge Act

,

Employer Cost Index

,

Employment Cost Index

,

E-mini

,

Exchange for futures

,

Exchange for physical

,

Exchange of spot

,

Ex-pit transaction

,

Excess insurance

,

Executive indemnity insurance

,

Effective tax rate

,

Employee Stock Purchase Plan

,

Ex-all

,

Explicit interest

,

Early exercise

,

Ex-warrants

,

Economic rent

,

Early withdrawal penalty

,

Earned benefit

,

Employee Retirement Income Security Act of 1974

,

Ex-rights

,

Ex-rights date

,

Excess profits tax

,

Even lot

,

Even spread

,

Even up

,

First In First Out

,

Fixed-charge coverage ratio

,

Fixed cost

,

Federal Deposit Insurance Corporation

,

Federal Savings and Loan Association

,

First call date

,

Flight to quality

,

Floating-rate bond

,

Flow of funds

,

Federal Call

,

Fill or kill

,

Flotation costs

,

Front-ending an order

,

Fiat money

,

Floating exchange rate

,

Foreign exchange rate

,

Forward exchange rate

,

Forward P/E

,

Factors of production

,

Favorable balance of trade

,

Federal Reserve Discount Rate

,

Fiscal policy

,

First board

,

First notice day

,

Fee-for-service

,

Fixed benefits

,

Fair market value

,

First preferred stock

,

Form S-1

,

Firm commitment offering

,

Friends and family offering

,

Fully distributed issue

,

Fair Credit Reporting Act

,

Fair Debt Collection Practices Act

,

Finance charge

,

First mortgage

,

Fixed rate

,

Fixed-rate loan

,

Fixed-Rate Mortgage

,

Floating rate

,

Forward interest rate

,

Forward Rate Agreement

,

Full faith and credit

,

Family of funds

,

Fund of funds

,

Finite-life REIT

,

Free and clear

,

Federal Insurance Contributions Act

,

Flexible benefit plan

,

Free right of exchange

,

Federal ID Number

,

Fair value

,

First-round financing

,

Gross profit

,

Gross profit margin

,

Glass-Steagall Act

,

G-7

,

General Agreement on Tariffs and Trade

,

G-8

,

Group insurance

,

Growth and income fund

,

Gather in the stops

,

Going long

,

Historical cost

,

Hart-Scott-Rodino Act of 1976

,

Hit the bid

,

House call

,

House of issue

,

Hazard insurance

,

Health insurance

,

Health Insurance Portability and Accountability Act

,

Hot issue

,

Holder in due course

,

Hang out loan

,

Home equity line of credit

,

Home Mortgage Disclosure Act

,

Head and shoulders

,

Hammering the market

,

Held at the opening

,

Holding the market

,

Imputed value

,

Interest-bearing

,

In escrow

,

Interest rate collar

,

Interest rate risk

,

Interest rate swap

,

Intermediate-term

,

Intrinsic value

,

Investment value

,

Issue date

,

In-house

,

Investment Advisor Act of 1940

,

Investment Company Act of 1940

,

In line

,

Inflation rate

,

Interest rate futures

,

Interbank Rate

,

Individual policy pension trust

,

Insurable interest

,

Insurance

,

Insurance agent

,

Insurance broker

,

Insurance carrier

,

Insurance claim

,

Insurance examiner

,

Insurance policy

,

Insurance premium

,

Initial Public Offering

,

Insider Trading sanctions Act of 1984

,

Interest

,

Interest expense

,

Internal Rate of Return

,

Indication of interest

,

Intrastate offering

,

In intestacy

,

Inter vivos trust

,

Imputed interest

,

Interest deduction

,

Interest-only loan

,

Interest rate

,

Interest rate cap

,

Interest rate ceiling

,

Interest rate floor

,

In play

,

In-process research and development

,

Investment policy

,

Interest rate option

,

I/O strip

,

Inchoate interest

,

Interest-only strip

,

Incidental benefit

,

In-service withdrawal

,

Income exclusion rule

,

Individual tax return

,

Imbalance of orders

,

In and out

,

Individual investor

,

In sympathy

,

In the tank

,

ITS

,

Jointly and severally

,

Jumping the gun

,

Joint and several liability

,

Joint and survivor annuity

,

Joint life annuity

,

Knock-out option

,

Last In First Out

,

Liquidation value

,

Lender of last resort

,

Law of one price

,

Long

,

Long Bond

,

Long position

,

Long-term

,

Lending at a rate

,

Limit-on-close order

,

Long Market Value

,

Lawful money

,

Law of demand

,

Law of supply

,

Limit up

,

London International Financial Futures and Options Exchange

,

Long hedge

,

London Inter-Bank Offer Rate

,

Level premium insurance

,

Level term insurance

,

Life expectancy

,

Life insurance

,

Living benefits

,

Long-term care insurance

,

Long-term debt

,

Long-Term Equity Anticipation Securities

,

Letter of comment

,

Liquidity event

,

Line of credit

,

Loan-to-cost

,

Loan-to-value

,

Loan value

,

Loan-value ratio

,

Lock-in

,

Long-term mortgage

,

Long leg

,

Long straddle

,

Lease-purchase agreement

,

Long-term lease

,

Life annuity

,

Life expectancy method

,

Leading the market

,

Locked in

,

Long-term gain or loss

,

Level I quotes

,

Long squeeze

,

Money center bank

,

Money order

,

Maturity value

,

Medium-term

,

Medium-term bond

,

Minus yield

,

Municipal bond insurance

,

Municipal Bond Insurance Association

,

Maintenance call

,

Make a market

,

Margin call

,

Margin rate

,

Market if touched order

,

Market on close order

,

Mark-to-market

,

Money management

,

Medium of exchange

,

Money

,

Marginal propensity to consume

,

Monetary policy

,

Major medical insurance

,

Master policy

,

Mortgage life insurance

,

Market rate

,

Money at call

,

Money factor

,

Mortgage interest deduction

,

Mortgage rate

,

Mill rate

,

Market-value weighted index

,

Minus tick

,

Money flow

,

Net book value

,

Net interest margin

,

Net profit

,

Net profit margin

,

Near money

,

Negotiable certificate of deposit

,

Negotiable Order of Withdrawal

,

Nine-Bond Rule

,

Nominal rate

,

Non-interest-bearing note

,

Notice of Sale

,

National Association of Securities Dealers

,

National Association of Securities Dealers Automated Quotations system

,

Nonparticipating life insurance policy

,

Net Asset Value

,

New issue

,

Null and void

,

Notice of Default

,

Naked call

,

National Association of Real Estate Investment Trusts

,

Nonforfeitable benefit

,

Nominal value

,

Next Day Settlement

,

Off-balance-sheet financing

,

Off the books

,

One time charge

,

Operating costs

,

Original cost

,

Other long term liabilities

,

Office of Thrift Supervision

,

Ordinary interest

,

Offer

,

Offering

,

Offering circular

,

Offering price

,

Offering scale

,

Original Issue Discount

,

Out-of-favor

,

Over-the-Counter

,

Off-floor order

,

On-floor order

,

On margin

,

Or better

,

Operating profit margin

,

Operating rate

,

Open interest

,

One-share one-vote rule

,

Original issue stock

,

Offering date

,

Opinion of title

,

On account

,

On-the-spot loan

,

Option holder

,

Out of the money

,

Old age, survivors, and disability insurance

,

On-balance volume

,

Off-board

,

On close

,

One man picture

,

On open

,

On the opening

,

Pooling of interests

,

Pre-depreciation profit

,

Pre-tax profit margin

,

Profit

,

Profit and loss statement

,

Profit margin

,

Pro forma

,

Pass-through coupon rate

,

Payment-in-kind security

,

Premium over bond value

,

Premium over conversion value

,

Price Value of a Basis Point

,

Provisional call feature

,

Public offering

,

Purchase

,

Payment for order flow

,

P&L

,

Profit warning

,

Provision for income taxes

,

Participating insurance

,

Policy

,

Policy limit

,

Policy loan

,

Policy surrender

,

Private Mortgage Insurance

,

Public offering price

,

Power of Attorney

,

Paid up

,

Personal interest

,

Prepaid interest

,

Prime rate

,

Prioritization of debt

,

Purchase-money mortgage

,

Private Market Value

,

Prime rate fund

,

Purchase agreement

,

Pension benefit

,

Pension Benefit Guaranty Corporation

,

Profit-sharing

,

Prudent Expert Act

,

Paid-in capital

,

Paid-in surplus

,

Private Investment in Public Equity

,

Portfolio insurance

,

Preservation of capital

,

Point-and-figure chart

,

Profit ratio

,

Painting the tape

,

Paper profit

,

Plus tick rule

,

Priced out

,

Profit-taking

,

Put/call ratio

,

Replacement cost

,

Replacement value

,

Reports and Records

,

Residual value

,

Retention rate

,

Return of capital

,

Return on Capital

,

Return on Invested Capital

,

Return on Total Assets

,

Run rate

,

Real interest rate

,

Rate covenant

,

Reading the tape

,

Receive against payment

,

Receive versus payment

,

Regulation D

,

Regulation G

,

Regulation T

,

Regulation U

,

Rights offering

,

Round of funding

,

Rule 10b-6

,

Rule 15c3-1

,

Rule 19c3

,

Rule 405

,

Rule 415

,

Rules of Fair Practice

,

Rate of exchange

,

Reciprocal of European terms

,

Real economic growth rate

,

Reduced paid-up insurance

,

Replacement cost insurance

,

Red herring

,

Regulation A

,

Remainder

,

Right of first refusal

,

Right of rescission

,

Right to Know

,

Rate-improvement

,

Rate lock

,

Renegotiable rate

,

Revolving line of credit

,

Right of recourse

,

Rule of 78

,

Roll up

,

Rent

,

Rent control

,

Right of redemption

,

Retirement Equity Act of 1984

,

Risk/return trade-off

,

Return on Capital Employed

,

Rate of return

,

Realized profit

,

Real rate of return

,

Ring

,

Rule 13d

,

Salvage value

,

Selling, General and Administrative Expenses

,

SG&A

,

Sales charge

,

Savings and Loan

,

Savings Association Insurance Fund

,

Short-term reserves

,

Sight letter of credit

,

Simple interest

,

S&L

,

Secondary offering

,

Securities and Exchange Commission

,

Shelf offering

,

Short-term

,

Split offering

,

Spot rate

,

Step-up bond

,

Straight value

,

Segregation of securities

,

Sell the book

,

Settlement

,

Suitability Rules

,

Savings rate

,

Standard of living

,

Swap rate

,

Settlement price

,

Second-to-die insurance

,

Self insurance

,

Settlement options

,

Single-premium life insurance

,

Stock life insurance company

,

Surrender value

,

Survivor benefit

,

Survivorship insurance

,

Short interest

,

Short interest ratio

,

Small corporate offering registration

,

Settle

,

Statute of Limitations

,

Structured settlement

,

Sue

,

Sale and leaseback

,

Satisfaction of debt

,

Security interest

,

Settlement sheet

,

Start rate

,

Scorched-earth policy

,

Staggered board of directors

,

Selling the spread

,

Short market value

,

Step-up warrant

,

Step-up lease

,

Savings Incentive Match Plan for Employees

,

Single-life annuity

,

Surrender charge

,

Shareholder value

,

Selling short against the box

,

Shorting against the box

,

Short purchase

,

Short sale rule

,

S Corporation

,

Short-term gain or loss

,

Standard mileage rate

,

Subchapter M

,

Subchapter S Corporation

,

Same Day Funds Settlement

,

Schedule C

,

Securities Act of 1933

,

Securities Acts Amendments of 1975

,

Securities Exchange Act of 1934

,

Seek a market

,

Settlement date

,

Short swing profits

,

Short swing rules

,

Smart money

,

S&P phenomenon

,

Stop and reverse

,

Stopped out

,

Times interest earned

,

Total cost

,

Term CD

,

T-Bill

,

Term

,

Term bond

,

Term to maturity

,

Take a position

,

Trailing P/E

,

Tight monetary policy

,

Tight money

,

Term insurance

,

Title insurance

,

Tender offer

,

Tenancy by the entirety

,

Teaser rate

,

TED spread

,

Term deposit

,

Term loan

,

Truth in Lending

,

Term trust

,

Theoretical value

,

Tenancy at will

,

The Street

,

Timing the market

,

Taxable event

,

Taxpayer Relief Act of 1997

,

Tax Reform Act of 1986

,

Tax Reform Act of 1993

,

Trading profit

,

Top out

,

Take a bath

,

Take profits

,

Term repo

,

Trading costs

,

Term sheet

,

U.S. Government Agency Security

,

U.S. Savings Bond

,

U.S. Treasury

,

U.S. Treasury Bill

,

U.S. Treasury Bond

,

U.S. Treasury Note

,

U.S. Treasury Securities

,

Unseasoned issue

,

Uniform Securities Act

,

Unappropriated profit

,

Unemployment rate

,

Umbrella liability insurance

,

Universal life

,

Unearned interest

,

Uncovered call

,

Up volume

,

Unit of trade

,

Unit of trading

,

Unrealized profit

,

Variable rate

,

Value stock

,

Vanishing premium policy

,

Variable life

,

Variable universal life

,

Value averaging

,

Value investing

,

Value Added Tax

,

Written-down value

,

With interest

,

Williams Act

,

Waiver of premium

,

War chest

,

Widow-and-orphan stock

,

W-2 Form

,

Wash sale rule

,

W formation

,

When, as, and if issued

,

When issued

,

X or XD

,

Year-To-Date

,

Yield to call

,

Yield to maturity

,

Yield to worst

,

Y shares

,

Zero-minus tick


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