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Stock Insurance Company - An incorporated insurer with capital contributed by stockholders, to whom earnings are distributed as dividends on their shares. Agreements with service providers. You receive goods, such as electricity, and services, such as apartment rental and health club memberships, with the agreement that you will pay for them each month. Your contract may require payments for a specific number of months, even if you s the service. Consumer Debt: Consumer debt or credit that is mainly incurred to fund consumption and not investment. So, consumer debt is one that is primarily used for purchasing consumer goods, that are not considered as tangible investment. Examples include credit card debt, car loans, family loans and store-financed consumer purchases. An individual usually incurs consumer debt for personal or household purposes. 
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DISABILITY INSURANCE Stock Insurance Company - An incorporated insurer with capital contributed by stockholders, to whom earnings are distributed as dividends on their shares. Issue limits. The maximum disability benefit an insurer will pay any one individual. 
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Liability Insurance - Insurance that pays and renders service on behalf of an insured for loss arising out of his responsibility, due to negligence, to others imposed by law or assumed by contract. Equifax and Experian: Both are two of the three major credit reporting agencies of the United States, the third one being TransUnion. REPLACEMENT COST 
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Over Limit: It refers to the act of accessing an amount of money greater than the available line of credit or borrowing limit. A fee is generally charged whenever the balance of a borrower goes over the credit limit, which is known as 'over limit fee' or 'over the limit fee'. 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). A danger or hazard that can cause a loss, for example, a car collision with an object, or a fire. 
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Repossession: The act of taking possession of the property offered as collateral by the borrower. Repossession can be voluntary or the creditor may forcibly gain possession of the property, when the borrower fails to meet his repayment obligation. Expiration Date This act is a part of USA law, and governs the disclosure of costs involved with having a credit card. Interest, account fees, and all secondary charges must be disclosed to the consumer. 
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Visa: A major processor of credit and debit transactions in the United States. The payment cards with the symbol of Visa are generally termed as 'Visa cards', though they are actually issued by the financial institutions that partners with Visa, and enables Visa cardholders to carry out transactions and purchases from Visa merchants or acquirers. The transactions are then processed by Visa payment networks. The financial institutions that tie up with Visa for issuing credit and debit cards are called 'Visa issuers', while the merchants that accepts Visa cards are known as 'Visa merchants'. Account Review: It refers to the act of reviewing the credit history of a consumer by a creditor or lender. Permissible Purposes    As defined in section 604 of the Fair Credit Reporting Act, only the named reasons for requesting a credit report are deemed "permissible". Requests not meeting these criteria must be denied. 
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Total Admitted Assets - This item is the sum of all admitted assets, and are valued in accordance with state laws and regulations, as reported by the company in its financial statements filed with state insurance regulatory authorities. This item is reported net as to encumbrances on real estate (the amount of any encumbrances on real estate is deducted from the value of the real estate) and net as to amounts recoverable from reinsurers (which are deducted from the corresponding liabilities for unpaid losses and unearned premiums). Health Savings Account - Plan that allows you to contribute pre-tax money to be used for qualified medical expenses. HSAs, which are portable, must be linked to a high-deductible health insurance policy. Credit items that have a positive status and should reflect favorably on your creditworthiness. 
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Debit Card    Purchases are deducted directly from the consumer's personal checking account. Term life insurance. Insurance protection that pays death benefits to survivors but no cash value buildup. Insurance 
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Claim - A demand made by the insured, or the insured's beneficiary, for payment of the benefits as provided by the policy. Federal legislation governing the actions of credit reporting agencies. No-fault insurance. Auto insurance that covers certain losses of the insured without considering who is at fault in the accident. 
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A Chapter 12 Bankruptcy is defined in the Bankruptcy Code. This is specifically for use by farmers in a crisis situation – i.e. drought or feed famine. Many special conditions apply, and special protection is awarded. When a credit grantor, direct marketer or potential employer makes a request for information from a consumer’s credit report, an inquiry is shown on the report. Grantors only see credit inquiries generated by other grantors as a result of an application of some kind, while consumers see all listed inquiries including prescreened and direct marketing offers, as well as employment inquiries. According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about your credit information prior to your consent. This section also includes the date of the inquiry and how long the inquiry will remain on your report. Truncation: Generally, only a few digits of a credit card are displayed on a receipt by the merchant. This is done mainly for security concerns, but without hampering the identification of the card used. This practice is known as truncation, and is required by the federal laws. 
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Non-Renewal The failure to exercise the care that is expected of a reasonable person in similar circumstances. Self-Insured Retention 
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This means a decision was made not to pursue a bankruptcy, a lien, etc. after court documents have been filed. Issued when a loan is registered on the Mortgage Electronic Registration Systems Inc. database. This is a record of ownership rights to property in America. Rider 
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Refers to the current state of an account. For example, an account might be open, foreclosed, paid, or settled. Other possible options include: paid, charge off, repossession, et al. No payment history is indicated solely by the Account Condition status. Includes insurance against loss from damage done, directly or indirectly by lightning, windstorm, tornado, earthquake or insurance under an open policy indemnifying the producer of any motion picture, television, theatrical, sport, or similar production, event, or exhibition against loss by reason of the interruption, postponement, or cancellation of such production, event, or exhibition due to death, accidental injury, or sickness preventing performers, directors, or other principals from commencing or continuing their respective performance or duties; and any insurance not included in any other classes and which is a proper subject of insurance (California Insurance Code §120). Underwriter - The individual trained in evaluating risks and determining rates and coverages for them. Also, an insurer. 
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The decrease in value of any property due to wear, tear, and/or time. Generally, depreciation is not an insurable loss. Fixed APR: Fixed APR, also known as fixed rate refers to an annual percentage rate (or interest) that is fixed throughout the year or the entire term of the loan. Balance Transfer: It is the act of transferring a part or all of the existing balance from one credit card to another. This is usually done with a view to take advantage of lower interest charged on another card. Generally a fee is charged for moving balance from one card to another, which is called 'balance transfer fee'. 
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Health insurance that provides income payments to the insured wage earner when income is interrupted or terminated because of illness, sickness, or accident. Stock life insurance company. A life insurance company owned and controlled by stockholders who share in the surplus earnings. The company issues, in general, nonparticipating life insurance. Outstanding Debt: The unpaid portion of a debt. 
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Inactive Account: A bank account with very less or no activity. Also known as a 'dormant account'. A doctrine of law that, in some states, may enable claimants to recover a portion of their damages even when they are partially at fault, or negligent. Each party's negligence is compared to the other's and a claimant's recovery can be reduced by the percentage of his or her own negligence. Request an Investigation: The credit information available on the credit report with the credit bureaus can be inaccurate in some instances, in which case, the concerned individual or business can always request an investigation of such information. The credit bureaus, in turn, would ask the sources or parties that have provided the information to verify it. On the basis of the result of the verification, the inaccurate information will be corrected, while the one that cannot be verified would be deleted. 
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Concurrent Periods - In hospital income protection, when a patient is confined to a hospital due to more than one injury and/or illness at the same time, benefits are paid as if the total disability resulted from only one cause. Home health care. Includes a wide variety of services that bring care to the home: skilled nursing care, physical and occupational therapy, speech therapy, personal care, and the assistance of home health aides (sometimes referred to as homemakers) with chore services. Installment Credit 
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Bank Card: A payment card (debit or credit card) that is issued by a bank. Contributory Negligence The parent company of GEICO. Other companies in the Berkshire Hathaway group are listed at the Berkshire-Hathaway website. 
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Opt Out GEICO offers overseas insurance from American International Underwriters through GEICO's International Insurance Underwriters agency. Liquidity - Liquidity is the ability of an individual or business to quickly convert assets into cash without incurring a considerable loss. There are two kinds of liquidity: quick and current. Quick liquidity refers to funds--cash, short-term investments, and government bonds--and possessions which can immediately be converted into cash in the case of an emergency. Current liquidity refers to current liquidity plus possessions such as real estate which cannot be immediately liquidated, but eventually can be sold and converted into cash. Quick liquidity is a subset of current liquidity. This reflects the financial stability of a company and thus their rating. 
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Protection and benefits provided in an insurance contract. Negligence ADMITTED COMPANY 
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The payment status gives an overview of the state of a current outstanding amount. If you are paying your account on time, the status will be “current account”. If you miss a payment however, the resulting status might be “delinquent” – until you make the needed payment. The termination of insurance coverage during the policy period. Flat cancellation is the cancellation of a policy as of its effective date, without any premium charge. Damages 
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Automobile Liability Insurance - Coverage if an insured is legally liable for bodily injury or property damage caused by an automobile. A creditworthy co-maker is sometimes required in situations where an applicant’s qualifications are marginal. A co-maker is legally responsible to repay the charges in the joint account agreement. Covers repairs to all mechanical parts of the car, protecting you from expensive repair bills. 
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Group insurance. Insurance issued to an employer for the benefit of employees or to members of an association. Chapter 7 - Straight Bankruptcy (total liquidation of assets) Home Equity Interest Rate (APR): The annual percentage rate or interest rate charged for a home equity loan. 
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Customary and reasonable. A charge that does not exceed the regular or normal charge for a given service in a locality where it is provided. Information on your personal credit report associated with your records that has been reported to us by you, your creditors and other sources. It may include name variations, your driver’s license number, Social Security number variations, your date or year of birth, your spouse’s name, your employers, your telephone numbers, and information about your residence. Chapter 7 - Straight Bankruptcy (total liquidation of assets) 
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