Risk assessment, also called underwriting, is the methodology used by insurers for evaluating and assessing the risks associated with an insurance policy. The same helps in calculation of the correct premium for an insured.
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There are different kinds of risks associated with insurance like changes in mortality rates, morbidity rates, catastrophic risk, etc. This assessment is impleme.
Under a settlement option, the maturity amount entitled to a life insurance policyholder is paid in structured periodic installments up to a certain stipulated period of time post maturity instead of a 'lump-sum' payout. Such a payout needs to be intimated to the insurer in advance by the insured. The primary objective of settlement option is to generate regular streams of income for the insured.
Adverse selection is a phenomenon wherein the insurer is confronted with the probability of loss due to risk not factored in at the time of sale. This occurs in the event of an asymmetrical flow of information between the insurer and the insured. Adverse selection occurs when the insured deliberately hides certain pertinent information from the insurer. The information may be of crit. When an insurance company enters into a reinsurance contract with another insurance company, then the same is called treaty reinsurance. In the case of treaty reinsurance, the company that sells the insurance policies to another insurance company is called ceding company.
Reinsurance frees up the capital of the ceding company and helps augment the solvency margin. First time default on premium payments by a policy holder is termed as First Unpaid Premium. With each premium payment a receipt is issued which indicates the next due date of premium payment.
If the premium is not paid, this date becomes the date of first unpaid premium. Embedded value is the sum of the net asset value and present value of future profits of a life insurance company. This measure considers future profits from existing business only, and ignores the possibility of introduction of new policies and hence profits from those are not taken into account. Indemnity means making compensation payments to one party by the other for the loss occurred. Indemnity is based on a mutual contract between two parties one insured and the other insurer where one promises the other to compensate for the loss against payment of premiums.
Return, Annuity, Insurable Interest, Insurability. The practice of deferring the outlays incurred in the acquisition of new business over the term of the insurance contract is called deferred acquisition cost. Acquisition costs are the direct and indirect variable outlays incurred by an insurer at the time of selling or underwriting an insurance contract both new and renewal. The costs may be in the form of brokerage, underwrit.
Insurance contracts that do not come under the ambit of life insurance are called general insurance.
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The different forms of general insurance are fire, marine, motor, accident and other miscellaneous non-life insurance. The tangible assets are susceptible to damages and a need to protect the economic value of the assets is needed.
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