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Insurance Terms
You'll find everything you need to know about life insurance here. Our Research Center is different
because we only offer material which is explained in "Plain English".
To get started, let's take a look at common Insurance terms, and make it easy to understand what they mean:
These definitions are courtesy of the American Council of Life Insurers
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Term-certain annuity An annuity with payouts over a fixed number of years. See annuity certain.
Term insurance Insurance that covers the insured for a certain period of time, known as the term. The policy pays death benefits only if the insured dies during the term, which can be one, five, 10, or even 20 years.
Total disability The inability of an individual to perform all essential functions of his or her occupation, or in some cases any occupation, due to a physical or mental impairment.
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