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Glossary of Insurance Terms

There are 154 entries in this glossary.
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Term Definition
Voluntary Reserve

An allocation of surplus not required by law. Insurers often accumulate such reserves to strengthen their financial structure.

Waiting Period

See "elimination period."

Waiver of Premium

A provision in some insurance contracts which enables an insurance company to waive the collection of premiums while keeping the policy in force if the policyholder becomes unable to work because of an accident or injury. The waiver of premium for disability remains in effect as long as the ensured is disabled.

Whole Life Insurance

Life insurance which might be kept in force for a person's whole life and which pays a benefit upon the person's death, whenever that might be.

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