Insurance crossword puzzle

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