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Person responsible for paying a bill. Dread disease insurance. A health insurance policy that protects against medical expenses resulting from a certain dreaded disease such as cancer.
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Return on Policyholder Surplus (Return on Equity) - The sum of after-tax net income and unrealized capital gains, to the mean of prior and current year-end policyholder surplus, expressed as a percent. This ratio measures a company's overall after-tax profitability from underwriting and investment activity. The cost to repair or replace an insured item. Some insurance only pays the actual cash or market value of the item at the time of the loss, not what it would cost to fix or replace it. If you have personal property replacement cost coverage, your insurance will pay the full cost to repair an item or buy a new one once the repairs or purchases have been made.
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Out of pocket payments. The percentage of medical expenses not paid by insurance company. Only approved, allowable expenses apply toward out-of-pocket. Titanium Card: A type of credit card that has higher credit limit than platinum cards, and is usually offered to people with good credit history and higher incomes.

The ability of a consumer who has opted out to have their name re-added to prescreened credit and insurance offer lists, direct marketing lists and individual reference service lists. Consumers who have previously opted out of receiving prescreened offers may have their names added to prescreened lists for credit and insurance offers by calling 1 888 5OPTOUT (1 888 567 8688). Wage Garnishment: A technique of debt recovery ordered by the court, where the lender can obtain a part of the monetary compensation, including salary, directly from the employer of the borrower, until the debt is repaid completely. Read about wage garnishment.
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GOOD DRIVER DISCOUNT Primary Account Number (PAN): A number encoded on plastic cards, which helps to identify the issuer, and the particular account to which funds are electronically deposited. 'Plastic card' is a generic term used to refer to various types of payment cards like credit, debit and charge cards, etc.
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The process of selecting applicants for insurance and classifying them according to their degrees of insurability so that the appropriate premium rates may be charged. The process includes rejection of unacceptable risks. Z score: A model developed by Edward Altman, professor of New York University, for predicting bankruptcy.
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