Across
- 2. additional payments made to the beneficiary of a life insurance policy if the insured person dies as a result of an accident, often provided as a rider to a standard life insurance policy.
- 5. a request made by the policyholder to the insurance company for payment of benefits due to an illness or injury that prevents them from working.
- 7. someone whose personal information, such as Social Security number, credit card details, or bank account information, is stolen and used without their permission
- 8. unauthorized use, theft, or manipulation of an individual's DNA information to impersonate them or commit fraudulent acts
- 14. length of time that the policyholder will receive disability benefits, which can range from a few months to several years or until retirement, depending on the policy.
- 15. type of term life insurance that provides coverage for one year at a time, with the option to renew each year without undergoing a new medical exam, though premiums may increase with age.
- 16. the measures, strategies, or tools used to prevent, detect, and respond to the theft or misuse of personal information.
- 19. specific requirements or circumstances outlined in the policy that must be met for a claim to be approved and benefits to be paid, such as the type of disability or the waiting period before benefits begin.
- 20. refers to the interest that accumulates on the cash value of a policy or any loans taken against the policy, but has not yet been paid out or credited to the policyholder.
- 22. sum of money paid to the beneficiary or beneficiaries of a life insurance policy when the insured person dies.
- 23. company or organization that provides and manages the disability insurance policy, assuming the financial risk and responsibility for paying benefits to the policyholder in the event of a qualifying disability.
- 24. unauthorized access or manipulation of computer systems, networks, or devices
- 25. optional add-ons to a life insurance policy that provide additional coverage or benefits, such as accidental death or disability benefits, often for an extra cost.
- 26. personal information, and details that distinguish an individual from others. This includes data such as a person’s name, date of birth, social security number, and other personal identifiers
- 27. physical effort or activity that may cause injury or aggravate an existing condition, potentially affecting the eligibility for benefits if the disability is related to excessive physical strain or activity.
Down
- 1. original death benefit stated in a life insurance policy, which is paid to the beneficiary upon the insured's death, excluding any additional riders or accumulated cash value.
- 3. termination of the policy by either the insurer or the policyholder, which stops coverage and any future benefits from being paid.
- 4. Fraudulent or deceptive scheme designed to trick people into giving up money, personal information, or other valuable items.
- 6. written amendments or additions to an existing policy that modify its terms or coverage, such as adding or changing specific conditions, benefits, or exclusions.
- 9. The act of making, altering, or imitating something with the intent to deceive or defraud others.
- 10. deliberate act of deception or dishonesty aimed at gaining an unfair or unlawful advantage, typically involving financial gain or the manipulation of others
- 11. refer to the payments made to the policyholder when they are unable to work due to a covered illness or injury, typically a percentage of their regular income.
- 12. person or entity designated to receive the death benefit from a life insurance policy when the insured person passes away.
- 13. life: type of life insurance that provides coverage for a specific period, paying a death benefit if the insured dies within that term, but offering no payout if the term expires without death.
- 16. cybercrime in which fraudsters attempt to trick individuals into revealing sensitive information such as passwords, credit card numbers, social security numbers, or other personal data.
- 17. is a payment made to policyholders of participating (mutual) life insurance policies, typically as a share of the insurer’s profits, which can be used to reduce premiums, purchase additional coverage, or be taken as cash.
- 18. life insurance policy offered by an employer or organization that covers a group of people, typically employees, under a single contract, often at lower premiums than individual policies.
- 21. the types of protections or insurance that help individuals manage the risks and consequences of identity theft or fraud