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Discount Mortgage Companies: Companies that finance mortgage with their own funds. Mortgage companies generally borrow from a bank to provide funds to the consumers, to buy home or real estate property, and then sell the loans to investors. Know more about mortgage financing and mortgage refinance.
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Utilization - How much a covered group uses a particular health plan or program. An act or omission initiating an unbroken sequence of events resulting in injury to a person or damage to property.
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Payment Status: It reflects the status of an account, i.e. whether payments have been made on time. It includes delinquent payments, and any unfavorable condition that has occurred in the last seven years, all of which reflects the previous history of an account. Advance-Fee Loan: A type of loan where all the finance charges as well as credit expenses are deducted before providing principal amount to the borrower.

Own Occupation - Insurance contract provision that allows policyholders to collect benefits if they can no longer work in their own occupation. Loss Adjustment Expenses - Expenses incurred to investigate and settle losses.
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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). Elimination Period - The time which must pass after filing a claim before policyholder can collect insurance benefits. Also known as "waiting period."
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