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Hence, two people can use the credit card account, whilst a single person is responsible for the repayments. Unauthorized Use: Use of a credit card by someone who is not the authorized user. It can happen when a credit card is lost or stolen, which can then be used for making purchases without the knowledge of the authorized users. 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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Investment Income - The return received by insurers from their investment portfolios including interest, dividends and realized capital gains on stocks. It doesn't include the value of any stocks or bonds that the company currently owns. LIMIT Living Benefits - This feature allows you, under certain circumstances, to receive the proceeds of your life insurance policy before you die. Such circumstances include terminal or catastrophic illness, the need for long-term care, or confinement to a nursing home. Also known as "accelerated death benefits."
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Total Admitted Assets - This item is the sum of all admitted assets, and are valued in accordance with state laws and regulations, as reported by the company in its financial statements filed with state insurance regulatory authorities. This item is reported net as to encumbrances on real estate (the amount of any encumbrances on real estate is deducted from the value of the real estate) and net as to amounts recoverable from reinsurers (which are deducted from the corresponding liabilities for unpaid losses and unearned premiums). Credit Report A record or file to a prospective lender or employer on the credit standing of a prospective borrower, used to help determine credit worthiness. Certificate of Financial Responsibility (CFR)
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Market value policy. A homeowner's insurance policy that pays to replace, repair, or rebuild damaged property up to the maximum of the policy, which is set at the property's market value. Materials used in making the repairs will be similar to, but not the same as, the original materials. Process that determines the value of property, or the extent of damage, usually performed by an impartial expert. One who initially brings legal action against another (defendant) seeking a court decision.
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