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Settlement option. One of the several ways, other than immediate payment in a lump sum, in which the insured or beneficiary may choose to have a life insurance policy paid. Loan Origination Rate: In addition to interest, lending institutions also make some charges in order to cover the processing or originating costs of a loan. This charge is calculated as a certain percentage of the loan amount, and is known as a 'loan origination rate'. GRACE PERIOD 
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The time period you have to pay a bill in full and avoid interest charges. Waiver of Premium - A provision in some insurance contracts which enables an insurance company to waive the collection of premiums while keeping the policy in force if the policyholder becomes unable to work because of an accident or injury. The waiver of premium for disability remains in effect as long as the ensured is disabled. 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). 
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Insurance ID Card The amount of the loss which the insured is responsible to pay before benefits from the insurance company are payable. You may choose a higher deductible to lower your premium. This means a decision was made not to pursue a bankruptcy, a lien, etc. after court documents have been filed. 
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Scheduled Payment: Payment that are due at a scheduled time. A term used when an insurance company requests that you submit multiple repair estimates for consideration. Petition 
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