banking credit crossword puzzle (by Ikhlas Noukri)

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Across
  1. 4. — Risk increase due to dishonesty or reckless behavior.
  2. 6. — Process of evaluating risk and deciding coverage and price.
  3. 8. — Principle of restoring the insured to the financial position before loss.
  4. 11. — Damage, injury, or financial harm that may be covered by insurance.
  5. 12. — The written insurance contract.
  6. 15. — Legal responsibility for injury or damage to others.
  7. 17. — Specific loss or condition that a policy does not cover.
  8. 19. — Person who investigates claims and determines payment amounts.
  9. 20. — Insurer’s right to recover from a third party after paying a claim.
  10. 22. — Another term for an insurance company that underwrites coverage.
  11. 23. — Person or entity designated to receive policy proceeds.
  12. 25. — Legally binding agreement; an insurance policy is one.
  13. 27. — Optional add-on that modifies or adds coverage to a policy.
  14. 28. — An unexpected event that results in injury or damage.
  15. 30. — Temporary proof of coverage before the policy is issued.
  16. 31. — Amount paid to keep insurance coverage in force.
  17. 34. — Eligible for coverage because the risk can be accepted and priced.
  18. 35. — Protection provided by the policy for specified losses.
  19. 38. — Extra time after the due date to pay without losing coverage.
  20. 41. — Failure to use reasonable care, leading to harm.
  21. 42. — Condition that increases the chance or severity of a loss.
  22. 44. — Company that provides coverage and pays covered losses.
  23. 45. — Policy provisions that describe duties and rules for coverage.
  24. 47. — Maximum amount an insurer will pay for a covered loss.
  25. 48. — Person or entity covered by the policy.
  26. 50. — Fixed amount paid for a covered health service.
Down
  1. 1. — Auto coverage that pays for damage from hitting another object/vehicle.
  2. 2. — Professional who uses statistics to price risk and set premiums.
  3. 3. — Request for payment under the terms of an insurance policy.
  4. 5. — Insurance purchased by an insurer to spread risk.
  5. 7. — Submission of required information or documents (e.g., premium reports).
  6. 9. — Auto coverage for non-collision losses like theft or hail.
  7. 10. — Cost-sharing percentage the insured pays after the deductible.
  8. 13. — Premium method based on an insured’s prior loss history.
  9. 14. — Coverage for movable items, often scheduled (e.g., jewelry).
  10. 16. — Agent who represents only one insurance company.
  11. 18. — Costs the insured pays that are not reimbursed by insurance.
  12. 21. — An event that triggers coverage under an occurrence-based policy.
  13. 24. — Amendment that changes a policy’s terms or coverage.
  14. 26. — Termination of coverage due to nonpayment of premium.
  15. 29. — Decrease in value over time; affects actual cash value claims.
  16. 32. — Cause of loss insured against (e.g., fire, wind).
  17. 33. — Party to whom a policy owner transfers certain policy rights.
  18. 36. — Licensed representative who sells insurance for a company.
  19. 37. — Amount the insured pays before the insurer begins to pay.
  20. 39. — Form used to request insurance and provide underwriting information.
  21. 40. — Contract that provides a stream of payments, often for retirement.
  22. 43. — Compensation paid to an agent or broker for selling a policy.
  23. 46. — Intermediary who shops coverage from multiple insurers for a client.
  24. 49. — Intentional deception to obtain insurance benefits unlawfully.