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Insurance

Non-owned auto

A private passenger vehicle, such as an auto, pickup truck, van, or trailer, that is not owned or regularly used by the insured or any of their family members is not covered under this policy. This also applies to any vehicle that is in the custody or being operated by the insured or their family members.

Reasonable expectations

The principle of reasonable expectation, an extension of the adhesion doctrine, holds that insurance coverage should be interpreted based on what the insured would reasonabl...

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Temporary life annuity

An annuity is a financial product that provides a fixed stream of payments, typically for retirement purposes. It can be structured to pay out benefits for a specific number...

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Non-Standard Life

A Non-Standard Life refers to an individual who is unable to obtain a policy at the standard rate of premiums, but can be granted a policy at an additional premium over the ...

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Uninsurable risk

Insurance is a crucial tool in managing financial risks. However, there are certain risks that are difficult to insure against. These risks are typically unpredictable and h...

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