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Glossary of insurance terms

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accelerated benefitsaccident
accident and health combined ratioaccident and health expense ratio
accident and health loss ratioaccident report form
accidental bodily injuryaccidental death benefits
account currentaccount selling
accounts receivable insuranceaccredited adviser in insurance
accumulation periodactual cash value (ACV)
actuaryadjustable life insurance
adjusted cash flowadjusted cash flow/benefits paid
adjusteradverse selection
age limitsagency underwriter
agentaggregate exposure, gross
aggregate exposure, netaggregate indemnity
all-risksallocated benefits
alternate delivery systemalternate settlement option
ambulatory careamendment
annuity certainannuity consideration
assigned risk plansassignment
association groupaudit
audited premiumauto liability
auto medical paymentsauto physical damage coverage
auto replacement coverageautomatic premium loan
automobile insurance plans

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Sources: American Council of Life Insurance, Health Insurance Association of America, and Standard & Poor's Redesign Survey