Glossary of insurance terms

SAP	SPAC
SPDA	SR-22
SVO	second-to-die life insurance
self-administration	self-insurance
separate account	settlement options
severity	short-term disability income insurance
single-premium whole life insurance	social security freeze
solvency	special risk insurance
specified disease insurance	standard provisions
standard risk	state (compulsory) disability plan
state insurance department	state regulation of insurance
statutory accounting	statutory capital
statutory surplus	stock life insurance company
stop-loss insurance	straight life annuity
subrogation	substandard insurance
substandard risk	supplemental insurance
supplementary contract	surcharge
surgical expense insurance	surgical schedule
surplus share reinsurance	surrender charge
survivorship insurance

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