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Assured - Those insured under the terms of an insurance policy.

Benefit - The money paid to the policyholder when a claim is made.

Bid Price - The selling price or cash-in value of your unit holdings.

Bonus - Relates to a with-profits policy. The amount of money added to the benefit payable under the policy. The amount is dependent upon the profits made by the insurance company. Added bonuses cannot be taken away.

Convertible Term Assurance - A term insurance policy which gives you the option to convert your current policy to a whole-life or endowment insurance policy, without having to take further medical examinations.

Critical Illness Insurance - A policy that pays out a lump sum on the diagnosis of life threatening illnesses indicated in the terms of the plan.

Decreasing Term - A form of term life insurance where the death benefit decreases each year as per your policy. Premiums remain level. This type of certificate is frequently sold as mortgage insurance. T (more...)

Dental insurance is important for all of us especially when dental work keeps getting more expensive. A group dental insurance plan can either mean a family plan or a plan offered through your employer. There are different things to consider depending on the type of group dental insurance plan you are looking for.

Employer Group Dental Insurance Plan

Employers often offer a managed care group dental insurance plan to gain reduced cost for you. This means you have to choose a dentist in the group plan and that you may be limited in how much work you can get done in a year. Most limited coverage plans have a cap of a thousand dollars. They may not include braces, caps or other cosmetic work, but the group dental insurance plan often includes bridges, cavities, and cleanings. If your company does offer an indemnity plan it may cost a little more for additional coverage s. That choice will be yours to determine.

If you are looking for a group dental insurance plan for your family t (more...)