A form of variable annuity contract where the contract holder pays sales charges up front rather than eventually having to pay a surrender charge.
ACCELERATED DEATH BENEFITS
A benefit that can be attached to a life insurance policy that enables the policy holder to receive cash advances against the death benefit in the case of being diagnosed with a terminal illness. Many individuals who choose the accelerated death benefit have less than one year to live and use the money for treatments and other costs needed to stay alive.
ACCIDENT AND HEALTH INSURANCE
A form of insurance that pays damages equal to the replacement value of damaged property minus depreciation.
ACTUAL CASH VALUE
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