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Electronic Funds Transfer: It refers to a transfer of funds through the electronic media. The procedures, as well as the rights and liabilities of the consumers who avail the facility of electronic fund transfers, are established by a federal legislation, known as 'The Electronic Funds Transfer Act'. Credit life insurance. Term life insurance issued through a lender or lending agency to repay the lending institution if the borrower dies. When the policy is terminated prior to the expiration date at the policyholder's request. Earned premium charged would be more than the pro-rata earned premium. Generally, the return premium would be approximately 90 percent of the pro-rata return premium. However, the company may also establish its own short-rate schedule. 
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