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Gross Leverage - The sum of net leverage and ceded reinsurance leverage. This ratio measures a company's gross exposure to pricing errors in its current book of business, to errors of estimating its liabilities, and exposure to its reinsurers. Time-Barred Debt: A type of old and unpaid debt. Generally, there is a time limit for the creditors to get, or force, repayment from the debtor by a court order. If a debt becomes older than that specific time period then is declared as 'time-barred debt'.
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BURGLARY Reinsurance Recoverables to Policyholder Surplus - Measures a company's dependence upon its reinsurers and the potential exposure to adjustments on such reinsurance. Its determined from the total ceded reinsurance recoverables due from non-U.S. affiliates for paid losses, unpaid losses, losses incurred but not reported (IBNR), unearned premiums and commissions less funds held from reinsurers expressed as a percent of policyholder surplus.
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These accounts are currently up to date and have no payments owing on them. If all of your accounts are in good standing, you will not be in arrears, and will not have any amounts overdue. An extra charge applied by the insurer. For automobile insurance, a surcharge is usually for accidents or moving violations.

Pays for damage to your car from theft, vandalism, flood, fire or other covered perils. This coverage is subject to the terms, limits and conditions of your policy contract. Truth in Savings Act: A U.S. Federal law passed on 19th December, 1991, that basically requires uniformity in the disclosure of terms and conditions, interest rates, and fees associated with a savings account, so that customers can compare the different types of accounts.
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Charge Card: A type of credit card where no interest rate is charged, but requires the cardholders to pay the full amount of the bill in each month. However, an annual fee is charged in this type of credit card. The full cost to repair or replace the damaged property with no deduction for depreciation, subject to policy limits and contract provisions.
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