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Insurance

Variable annuity

An annuity is a financial product that can vary in value depending on the performance of the underlying investments. This means that the value of the annuity can go up or down based on the performance of the securities in which the funds are invested. As a knowledgeable finance professor, it is important to understand the potential risks and rewards of investing in such annuities. It is crucial to carefully consider the underlying securities before making any investment decisions.

Deferment period

The duration between the initiation of a policy and the date of its maturity is known as the accumulation period. During this time, the policyholder makes regular contributi...

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Quota share treaties

In the world of insurance, there exists a practice known as reinsurance. This involves multiple insurers coming together to share the risk and responsibility of covering a...

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Policyholders surplus

As we delve into the world of finance, it is important to understand the concept of surplus. In insurance, surplus refers to the excess amount of money a company has after c...

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Reinstatement clause

Insurance policies can often lapse due to non-payment of premiums. However, with the option of reinstatement, an individual can revive their policy and continue receiving cov...

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