[et_pb_section fb_built=”1″ admin_label=”Header” _builder_version=”4.10.5″ background_image=”http:\/\/www.botica.ca\/wp-content\/uploads\/2021\/08\/botica-023.jpg” background_position=”bottom_center” custom_margin=”|||” custom_padding=”12vw|0px|0|0px|false|false” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ padding_top_bottom_link_1=”false” padding_left_right_link_1=”true” _builder_version=”4.9.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”1160px” custom_margin=”|||||false” custom_padding=”27px|0px|0|0px|false|false” animation_style=”slide” animation_direction=”right” use_custom_width=”on” custom_width_px=”1160px” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”3.25″ background_color=”#ffffff” custom_padding=”40px|40px|0px|40px” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_text_color=”#767676″ ul_font=”||||||||” ol_font=”||||||||” header_font=”Playfair Display|700|||||||” header_text_color=”#202020″ header_font_size=”48px” header_line_height=”1.5em” header_2_font=”||||||||” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” header_4_font=”||||||||” header_5_font=”||||||||” header_6_font=”||||||||” animation_style=”fade” header_font_size_tablet=”38px” header_font_size_phone=”28px” header_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.4″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”FAQ” _builder_version=”4.9.2″ background_enable_image=”off” background_size=”initial” background_position=”bottom_center” custom_padding=”0|0px|130px|0px|false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.9.4″ _module_preset=”default” background_color=”#FFFFFF” animation_style=”slide” animation_direction=”right” sticky_position=”top” border_width_bottom=”2px” border_color_bottom=”#EBEDEB” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.9.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.9.4″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ module_id=”index1″ _builder_version=”4.9.4″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” custom_margin_tablet=”0px|||” animation_style=”slide” animation_direction=”left” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.4″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Accidental Death and Dismemberment” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n
Coverage that provides a lump-sum payment to you or your survivors if an accident results in the loss of a limb, paralysis or your death.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Accidental Death Benefit (ADB)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Coverage against accidental death usually payable in addition to base amount of coverage.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Accidental Dismemberment: (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Provides additional financial security should an insured person be dismembered or lose the use of a limb as the result of an accident.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Account Value” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The sum of all the interest options in your policy, including interest.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Accumulated Value” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n An amount of money invested plus the interest earned on that money.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Actuary” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n One who uses statistical information to evaluate the probability of future events and prices insurance products.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Agency” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A grouping of sales producers according to region. Compare with Branch. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Agent” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n One who represents an insurance company when providing services to clients.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Amortization (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Refers to the reduction of debt by regular payments of interest and principal in order to pay off a loan by maturity.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Annual Premium” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Yearly amount payable by a client for a policy or component.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Annuity” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Periodic payments made to an individual under the terms of the policy.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Annuity Period” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The time between each payment under an annuity.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Applicant” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The party applying for an insurance policy.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Asset” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n All things of value owned by an individual or organization.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Automatic Benefits Payment” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Automatic payment of moneys derived from a benefit.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Automatic Waiver of Premium” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A benefit that automatically forfeits premium payments.<\/span><\/p>\n [\/et_pb_toggle][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.4″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Beneficiary” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.4″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The person designated to receive proceeds entitled by a benefit. Payment of a benefit is triggered by an event. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Beneficiary (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The person or party designated to receive proceeds entitled by a benefit. Payment of a benefit is triggered by an event. In the case of credit insurance, the beneficiary will always be the creditor. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Benefit” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n An instruction that pays a cash amount upon the occurrence of a specific event.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Benefit Value” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The amount of cash payable on a benefit.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Bond” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Fixed interest security issued by a corporation or government, having a specific maturity date.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Book Returns” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Book yield is the investment income earned in a year on a portfolio of assets purchased over a number of years and at different interest rates, divided by the book value of those assets.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Borrower (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A consumer who borrows money from a lender.<\/span><\/p>\n [\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.4″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Canada Pension Plan (CPP)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A plan that provides retirement and long term disability income benefits to residents of Canadian provinces (excluding Quebec).<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Canadian Life and Health Insurance Association (CLHIA)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n An association of most of the life and health insurance companies in Canada that conducts research and compiles information about the life and health insurance industry in Canada. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Cash Surrender Value” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Benefit that entitles a policy owner to an amount of money upon cancellation of a policy.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Child Insurance Rider (CIR)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Insurance or insurability provided on current or future children of insured.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Claim” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Request for payment of benefits under the terms of an insurance policy.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Claimant” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Person or party making request for payment of benefits under the terms of an insurance policy.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”CLHIA” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Canadian Life and Health Insurance Association.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”COLA” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Cost of living adjustment.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Commercial Business Loan (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n An agreement between a creditor and a borrower, where the creditor has loaned an amount to the borrower for business purposes.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Contingencies” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Events that are possible, but may or may not happen. Premium rates and acceptance of certain risk are based on contingencies. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Contribution Principle” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n This is the principle, which specifies the factors that must be taken into account when calculating dividends. Depending on the insurance companies, the key factors are: interest earnings, mortality, and operating expense. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Conversion” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The act of changing from one type of life insurance policy to another, without having to give evidence of insurability.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Cost of Insurance” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The cost of insuring a particular individual under the policy. It is based on the amount of coverage, as well as the underwriting class, age, sex and tobacco consumption of that individual. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Creditor (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A lender or lending institution that offers financing and loans to a borrower, for the purpose of acquiring a commodity.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Critical Illness Insurance” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Coverage that provides a lump-sum payment should you become seriously ill with a specified illness. There are no restrictions on how you use your benefit. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Critical Illness Insurance (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Coverage that provides a lump-sum payment should you become seriously ill with a specified illness. The payment is made to your creditors to pay off your debt owing. <\/span><\/p>\n [\/et_pb_toggle][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Daily Interest Accumulation” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Account in which interest is accrued daily and credited to the account at the end of a specified time.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Death Benefit” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Amount paid on death of an insured.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Debt (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Money, goods or services that someone is obligated to pay someone else in accordance with an expressed or implied agreement. Debt may or may not be secured. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Deductible” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A flat amount that an insured must pay before the insurance company makes any benefit payments under a health insurance policy.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Disability” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Inability to work due to injury or sickness.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Disability Insurance (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Group Insurance designed to cover monthly obligations due to a borrower being unable to work due to sickness or injury.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Dividend” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Unlike dividends which are paid to company shareholders, participating insurance policy dividends are not based on the company\u2019s overall profits. Rather, they are determined by grouping policies by type and country of issue and looking at how each class contributes to the company\u2019s earnings and surplus. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Dividend Policy” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n This policy governs an insurance company\u2019s actions regarding distribution of dividends to policyholders. It\u2019s goal is to achieve a dividend distribution that is equitable and timely, and which gives full recognition of the need to ensure the ongoing solidity of the company. It also specifies that distribution to individual policyholders must be equitable between dividend classes and policyholder generations, and among policyholders within any class. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Duration” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The time it takes for a policy or annuity to reach maturity.<\/span><\/p>\n [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ module_id=”index2″ _builder_version=”4.9.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.9.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” custom_margin_tablet=”0px|||” animation_style=”slide” animation_direction=”left” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Equity-based insurance” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Life insurance or annuity products in which the cash value and benefit level fluctuate according to the performance of an equity portfolio.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Equity investment” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Through equity investment, investors gain part ownership of the corporation. The primary type of equity investment is corporate stock. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Estate Planning” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n An insurance program designed to provide funds for insured\u2019s dependents upon death of the insured, and to also conserve, as much as possible, the personal assets that the insured wants to bequeath to heirs.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Evidence of Insurability” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Evidence submitted to an insurance company that is used to determine whether an individual is eligible for the insurance coverage in which the individual has applied for.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Exclusion” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A specific condition or circumstance listed in the policy that are not covered by the policy<\/span><\/p>\n [\/et_pb_toggle][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Guaranteed Interest Annuity (GIA)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Removing liability or responsibility regarding a tangible event.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Guaranteed Interest Certificate (GIC)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Removing liability or responsibility regarding a tangible event.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Guaranteed Renewal” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A promise that a life insurance policy will be renewed without penalty or medical examination after the term has expired. The renewal rate can also be guaranteed. <\/span><\/p>\n [\/et_pb_toggle][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Illustration” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n An illustration is a computer-generated spreadsheet that takes into account a number of assumptions in order to show how a specific policy might perform for a specific individual.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Indemnity” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A type of contract in which the amount of the benefit to be paid is based on the actual amount of financial loss determined at the time of the loss \u2013 for example, hospital expense insurance.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Indexation” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The adjustment of benefits to compensate for the effects of inflation.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Individual Insurance” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Insurance that is offered to individuals rather than groups.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Insurance Act” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n In Canada, a general statute that contains most of the insurance law of a common law province, and regulates the conduct of insurers and insurance agents within the province.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Insurance Policy (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A policy under which the insurance company promises to pay a benefit of the person who is insured.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Insured” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Person whose life is protected under a specific policy.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Insurer” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The party in an insurance contract that promises to pay a benefit if a specified loss occurs. It is usually an insurance company. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Interest Option” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n One of several investment accounts in which your premiums may be invested within your life insurance policy.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Interest Rate” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Rate charged or paid for the use of money, normally expressed as a percentage<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Irrevocable Beneficiary” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Legal designation that cannot be contested. (See beneficiary) <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Issue” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n When an item is approved and released for sale, or when a policy or sales contract is accepted.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Issue Age” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Age of an insured as at the policy issue date, using \u201cage nearest\u201d next birthday formula.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Issue Date” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Date on which a policy is approved.<\/span><\/p>\n [\/et_pb_toggle][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Job Loss Insurance (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Coverage that can pay down your debt should you become involuntarily unemployed. The payment is made to your creditors to reduce your debt owing. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Joint Policy Life” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n One insurance policy that covers two lives, and generally provides for payment at the time of the first insured\u2019s death. It could also be structured to pay on second death basis for estate planning purposes. <\/span><\/p>\n [\/et_pb_toggle][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Lapse” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Termination when a policy has no cash value after all attempts at conservation have failed.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Lapses” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Policies which are sold but do not remain in force because the policyholder fails to pay premiums.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Lease (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Contract granting use of real estate, equipment or other fixed assets for a specified period of time in exchange for payment. The owner or a leased property is the lesser and the user the lessee. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Lender (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Individual or firm that extends money to a borrower with the expectation of being repaid, usually with interest. Lenders create debt in the form of loans. Lenders include financial institutions, leasing companies government lending agencies and automobile dealers. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Level Premium” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A premium that remains unchanged throughout the life of a policy<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Life Insurance” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Insurance that provides protection against an economic loss caused by death of the person insured.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Life Insured” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The person whose life is protected by an individual policy.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Life Underwriter” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Insurance Agent.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Lives” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Number of insured\u2019s.<\/span><\/p>\n [\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.9.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Maturity” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The time when a policy or annuity reaches the end of its span.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Money Market Fund” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A low risk mutual fund that achieves greater liquidity by investing primarily in short-term securities.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Mortality Rate” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The death rates for various age groups of the population.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Mortgage Life insurance (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Decreasing term life insurance that provides a death benefit amount corresponding to the decreasing amount owed on a mortgage.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Mortgage (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n An agreement between a creditor and a borrower, where the creditor has loaned an amount to the borrower for purposes of purchasing a loan secured by a home.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Multiple Lives” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Two or more death benefits based on one definition with different insured\u2019s.<\/span><\/p>\n [\/et_pb_toggle][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Non-participating Policy” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A type of insurance policy or annuity in which the owner does not receive dividends.<\/span><\/p>\n [\/et_pb_toggle][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Operating Expenses” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The amount of money the company must spend on overhead, distribution, taxes, underwriting the risk and servicing the policy. It is a factor in calculating premium rates. <\/span><\/p>\n [\/et_pb_toggle][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.4″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Paid-Up Additions” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A type of insurance policy or annuity in which the owner receives dividends, typically increases the death.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Participating Policy” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A policy offers the potential of sharing in the success of an insurance company through the receipt of dividends.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Pension Fund” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Assets used to pay the pensions of retirees. An investment institution established to manage the assets used to pay the pensions of retirees. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Personal Line of credit (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A bank\u2019s commitment to make loans to a borrower up to a specified maximum during a specific period, usually one year.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Policy” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A written document that serves as evidence of insurance coverage and contains pertinent information about the benefits, coverage and owner, as well as its associated directives and obligations. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Policy Anniversary” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Yearly event linked to a policy. Usually the date issued. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Policy Date” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Date on which the insurance company assumes responsibilities for the obligations outlined in a policy.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Policy Fee” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Administrative charge included in a Policy Premium<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Policy Year” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Period between two policy anniversaries.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Policyowner” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The person who owns and holds all rights under the policy, including the power to name and change beneficiaries, make a policy loan, assign the policy to a financial institution as collateral for a loan, withdraw funds or surrender the policy.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Pre-Authorized Cheque (PAC)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Withdrawals generated by a company (with client\u2019s permission) against a client\u2019s bank account on a predetermined schedule for a predetermined amount.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Pre-existing medical condition (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A medical condition that existed before you became insured. Most policies exclude benefits if the condition is related to the event that triggers a claim if occurs within a certain period (6-12 months) after you became insured. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Preferred Beneficiary” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Used in older contracts to confer the same rights as an irrevocable beneficiary. Applied to family members. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Premium” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Annual amount payable, by a client, for a selected product or service.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Premium (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Annual or monthly amounts payable, by a client, for a selected insurance coverage to insure debt obligations to their creditors are protected.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Premium Mode” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Payment schedule of policy premiums, usually selected by the policy owner (monthly, quarterly, annually).<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Premium Offset” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n After premiums have been paid for a number of years, further annual premiums may be paid by the current dividends and the surrender of some of the paid-up additions, which have built up in the policy. In effect, the policy can begin to pay for itself. Whether a policy becomes eligible for premium offset, the date on which it becomes eligible and whether it remains eligible once premium offset begins, will all depend on how the dividend scale changes over the years. Since dividends are not guaranteed, premium offset cannot be guaranteed either. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Mortgage Life insurance (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Decreasing term life insurance that provides a death benefit amount corresponding to the decreasing amount owed on a mortgage.<\/span><\/p>\n [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ module_id=”index3″ _builder_version=”4.9.4″ global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.9.4″ text_font=”||||||||” text_font_size=”15px” text_line_height=”2em” header_font=”||||||||” header_2_font=”Playfair Display|700|||||||” header_2_text_color=”#202020″ header_2_font_size=”42px” header_2_line_height=”1.5em” header_3_font=”Rubik|500||on|||||” header_3_text_color=”#1D2C70″ header_3_font_size=”14px” header_3_letter_spacing=”2px” header_3_line_height=”2em” max_width=”700px” custom_margin_tablet=”0px|||” animation_style=”slide” animation_direction=”left” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”32px” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Quebec Pension Plan” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A plan that primarily provides retirement and long-term disability income benefits for residents of Quebec.<\/span><\/p>\n [\/et_pb_toggle][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Refinancing (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Extending the maturity date or increasing the amount of existing debt or both. Also, revising a payment schedule, usually to reduce the monthly payments and often to modify interest charges. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Reinsurance” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Process in which the risk of potential loss is shared between two or more insurers.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Reinsurer” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n An insurance company that accepts the risk transferred from another insurance company in a reinsurance transaction.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Rider” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n An attachment to an insurance policy that becomes part of the insurance contract and expands the benefits payable.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Risk” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Calculated chance of loss.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Risk class” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A group of insureds who present similar risk to the insurance company. Risk classes include \u2013 standard, preferred, nonsmoker, substandard, uninsurable. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”RRSP” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Registered Retirement Savings Plan \u2013 A plan enabling Canadian citizens to establish tax-sheltered accounts to accumulate money towards retirement.<\/span><\/p>\n [\/et_pb_toggle][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Segregated Fund” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A pool of assets held by the insurer, to back a specific liability to a policyholder. Segregated Funds fluctuate in value depending on the market value of a specific group of assets the company must maintain separately. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Strike Insurance (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Coverage that can pay down your debt should you become unemployed due to a legal strike in your place of work. The payment is made to your creditors to reduce your debt owing. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Surrender” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Give up certain rights under a policy, or give up the policy itself.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Surrender Charge” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Expense charges applied when the owner of a policy surrenders a policy for its cash value.<\/span><\/p>\n [\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Term” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.4″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n The time period during which a policy is in force, or the time it takes for a policy to reach maturity.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Terminal Illness Insurance (Credit Insurance)” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Coverage that provides a lump-sum payment should you become terminally ill. The payment is made to your creditors to pay off your debt owing. <\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Terminate” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Cease all legal obligations under a contract.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Term Life” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n A product that provides life coverage for a specified duration typically not beyond the age of 75.<\/span><\/p>\n [\/et_pb_toggle][et_pb_divider color=”#1D2C70″ divider_weight=”4px” _builder_version=”4.9.2″ max_width=”140px” height=”4px” animation_style=”slide” animation_direction=”top” locked=”off” global_colors_info=”{}”][\/et_pb_divider][et_pb_toggle title=”Underwriter” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Person that uses various types of evidence to evaluate the insurability of a client.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Underwriting” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Evaluating and classifying potential risk of a client.<\/span><\/p>\n [\/et_pb_toggle][et_pb_toggle title=”Unearned Premium” open_toggle_text_color=”#202020″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#ffffff” icon_color=”#1D2C70″ _builder_version=”4.9.2″ title_text_color=”#202020″ title_font=”Rubik|500||on|||||” title_font_size=”12px” title_letter_spacing=”2px” title_line_height=”2em” body_font=”||||||||” body_text_color=”#767676″ body_line_height=”2em” custom_margin=”|||” custom_padding=”30px|30px|30px|30px|true|true” animation_style=”zoom” animation_intensity_zoom=”20%” border_width_all=”2px” border_color_all=”#EBEDEB” border_width_bottom=”2px” box_shadow_style=”preset3″ box_shadow_vertical=”40px” box_shadow_blur=”60px” box_shadow_spread=”-10px” box_shadow_color=”rgba(0,0,0,0.03)” locked=”off” global_colors_info=”{}”]<\/p>\n Premiums paid for coverage not yet provided.<\/span><\/p>\nIndex<\/h3>\n
E – F – G – H – I – J – K – L – M – N – O – P<\/h2>\n
Index<\/h3>\n
Q- R – S – T – U – V – W – X – Y – Z<\/h2>\n