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Equifax and Experian: Both are two of the three major credit reporting agencies of the United States, the third one being TransUnion. Paid-up insurance. Insurance on which all required premiums have been paid.
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Title I of the Consumer Protection Act. Requires that most categories of lenders disclose the annual interest rate, the total dollar cost and other terms of loans and credit sales. Net Premiums Earned - The adjustment of net premiums written for the increase or decrease of the company's liability for unearned premiums during the year. When an insurance company's business increases from year to year, the earned premiums will usually be less than the written premiums. With the increased volume, the premiums are considered fully paid at the inception of the policy so that, at the end of a calendar period, the company must set up premiums representing the unexpired terms of the policies. On a decreasing volume, the reverse is true.
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Financial Institution: An institution that renders financial services like deposit taking and providing loans, or investment funds and insurance. Financial institutions primarily act as financial intermediaries and maintains the flow of money in the economy. They are regulated by government bodies. Mortgage Rate: Mortgage rate is the interest rate charged on a mortgage loan. Find out more information about mortgage payments and commercial mortgage lending.

Coverage providing four types of benefits (medical care, death, disability, and rehabilitation) for employee job-related injuries or diseases as a matter of right (without regard to fault). One who commits a tort (see above).
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Optional coverage that helps pay rental vehicle costs when your insured vehicle is disabled as the result of a covered accident or loss. Available to most policyholders for an additional premium. Expense Ratio - The ratio of underwriting expenses (including commissions) to net premiums written. This ratio measures the company's operational efficiency in underwriting its book of business.
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Writ of Replevin: A legal document authorizing the repossession of debtor's property, which has been pledged as security to obtain a loan. Title I of the Consumer Protection Act. Requires that most categories of lenders disclose the annual interest rate, the total dollar cost and other terms of loans and credit sales.
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