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Insurance Attorney - An attorney who practices the law as it relates to insurance matters. Occurrence — An event that results in an insured loss. Adjustable Life Insurance — Life insurance that gives the policyholder power to change the face amount, premium, coverage period or other features of the policy. Generally, depreciation is not an insurable loss. Insurance Institute of America IIA — An organization that develops programs and conducts national examinations in general insurance, risk management, management, adjusting, underwriting, auditing and loss control management. Online Bible Study An online gathering each Monday 7: Insurer — An organization that provides insurance. By Nicole September 29, Waiver of Premium — A provision in some insurance contracts that 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. While it applies to losses over the dollar amount in the underlying policy, terms of coverage are sometimes broader than in the basic policy. It also includes such diverse forms as plate glass, insurance against crime robbery, burglary and forgery boiler and machinery insurance and aviation insurance. Peril — The cause of a possible loss. This ratio measures the company's underlying profitability, or loss experience, on its total book of business.
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