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