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Annual Fee Health insurance that provides income payments to the insured wage earner when income is interrupted or terminated because of illness, sickness, or accident. DEDUCTIBLE 
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Guaranteed Insurability Option - See "future purchase option." Noncancelable. A policy that guarantees the premium will remain the same and the policy stay in force as long as the premium is paid. Charge-Off 
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Statutory Reserve - A reserve, either specific or general, required by law. WAITING PERIOD Ceded Reinsurance Leverage - The ratio of the reinsurance premiums ceded, plus net ceded reinsurance balances from non-US affiliates for paid losses, unpaid losses, incurred but not reported (IBNR), unearned premiums and commissions, less funds held from reinsurers, plus ceded reinsurance balances payable, to policyholders' surplus. This ratio measures the company's dependence upon the security provided by its reinsurers and its potential exposure to adjustment on such reinsurance. 
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SR-22, Certificate of Financial Responsibility (CFR) Reserve - An amount representing actual or potential liabilities kept by an insurer to cover debts to policyholders. A reserve is usually treated as a liability. 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. 
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