Type
Word Search
Description

annuity
children
Dryden
education
Empowerment
experience
financial
friends
fun
group insurance
ice cream
life insurance
magician
night shift
no school
participation
payments
policies
Prudential
Rock
Team
teamwork

Financial Planning with Life Insurance Crossword

Type
Crossword
Description

A person designated to receive something, such as life insurance proceeds, from the insured. beneficiary
Life insurance that does not provide policy dividends also called a nonpar policy. nonparticipating policy
Insurance that provides policy dividends, also called a par policy. participating policy
Life insurance protection for a specified period of time sometimes called temporary life insurance. term insurance
An insurance plan in which the policy holder pays a specified premium each year for as long as he or she lives; also may be called a straight life policy. Whole life insurance
The amount received after giving upa life insurance policy. cash value
A whole life policy that continues term insurance and investment elements. universal life insurance
A provision that allows the insured not to forfeit all accrued benefits. Nonforfeiture clause
A document attached to a policy that modifies its coverage rider
A benefit under which the company pays twice the face value of th epolicy if the insured's death results from an accident. double indemnity
A method of evaluating the cost of life insurance by taking into account the time value of money. interest-adjusted index
The insurance company pays the face amount of the policy in one installment to the beneficiary or to the estate of the insured. lump-sum payment
The option that provides for payment of the life insurance proceeds in equal periodic installments for a specified number of years after year death. limited installment payment
Life insurance option that pays the beneficiary for as long as he/she lives. life income option
The life insurance proceeds are left with the insurance company at a specified rate of interest. The company acts as trustee and pays the interest to the beneficiary. proceeds left with the company
A contract that provides a regular income for as long as the person lives. annuity

Basics of Health Insurance Crossword

Type
Crossword
Description

An established schedule of fees set for services performed by providers and paid by the patient fee for service
protection in return for periodic premium payments that provides reimbursement of expenses resulting from illness or injury Health insurance
the sum of money paid at the time of medical service; it is a form of coinsurance copayment
provision frequently is found in medical insurance policies whereby the policyholder and the insurance company share the cost of covered losses in a specified ratio coinsurance
Civilian Health and Medical Program of the Veterans Administration known as CHAMPUS
states that when an individual is covered under two insurance policies, the insurance plan of the policyholder whose birthday comes first in the calendar year (month and day, not year) becomes the primary insurance. birthday rule
A term used in managed care for an approved referral authorization
a payment method used by many managed care organizations in which a fixed amount of money is reimbursed to the provider for patients enrolled during a specific period of time, no matter what services were received or how many visits were made. Capitation
a letter or statement from Medicare that describes what was paid, denied, or reduced in payment. EOMB
Pays expenses involved in the care of the teeth and gums Dental care
Protects a person in the event of a certain type of accident, such as an airplane crash Special risk insurance
Often includes benefits for medical expenses payable to individuals who are injured in the insured person’s home or during an automobile accident Liability insurance
Covers a continuum of maintenance and health services for chronically ill, disabled, or mentally retarded individuals Vision care
Provides payment of a specified amount on the insured’s death Life insurance
Pays the cost of all or part of the insured person’s hospital room and board and specific hospital services Hospitalization
a review of individual cases by a committee to make sure services are medically necessary and to study how providers use medical care resources utilization review
40. An insurance term used when a primary care provider wants to send a patient to a specialist referral
periodic (monthly, quarterly, or annual) payment of a specific sum of money to an insurance company for which the insurer, in return, agrees to provide certain benefits premium
person who pays a premium to an insurance company and in whose name the policy is written in exchange for the insurance protection provided by a policy of insurance policyholder
a general practice or nonspecialist provider or physician responsible for the care of a patient for some health maintenance organizations gatekeeper

Collective Nouns Word Search

Type
Word Search
Description

army
audience
band
cattle
children
class
colony
family
flock
herd
litter
mice
pack
school
team

Insurance Terms Crossword

Type
Crossword
Description

A person who sells insurance policies. Sometimes referred to as a producer, planner or advisor Agent
The person, people, or entity designated to receive the death benefits from a life insurance policy or annuity contract. Beneficiary
A policyholder's request for reimbursement from an insurance company under a home insurance policy for a loss to property. Claim
A period of up to two years during which a life insurance company may deny payment of a claim because of suicide or a material misrepresentation on an application. Contestability
When a policy is guaranteed to pay out but there is a limited death benefit within the first two years. This occurs when the second health question is answered yes or left blank Guaranteed Issue
The person or organization covered by an insurance policy. Insured
The termination of an insurance policy because a renewal premium is not paid by the end of the grace period. Lapse
The contract issued by the insurance company to the insured. Policy
Relative incidence of death within a particular group categorized according to age or some other factor such as occupation, sex, or ethnicity. Actuaries use these tables to estimate insurance premiums for products being sold. Mortality
The person or party who owns an individual insurance policy. This person may be the insured, the beneficiary, or another person. This person usually is the one who pays the premium and is the only person who may make changes to a policy. Policy Owner
The process by which a life insurance company puts a policy back in force after it lapsed because of nonpayment of renewal premiums. Reinstatement
The termination of an insurance contract by the insurer when material misrepresentation has occurred. Rescission
A written agreement attached to the policy expanding or limiting the benefits otherwise payable under the policy. Also called an "endorsement." Rider
The person who reviews an application for insurance and decides if the applicant is acceptable and at what premium rate. Underwriter

Insurance Review Crossword

Type
Crossword
Description

Provides payments for both liability and property insurance on a vehicle automobile-insurance
Receives money if a person dies beneficiary
Out-of-pocket money paid by policyholder before an insurance company deductible
Money paid for health care health-insurance
Financial product purchased to protect one against the risk of loss insurance
The chance of loss from an event that cannot be entirely controlled risk
Someone who relies on someone else for income dependent
Provides payment payment beneficiaries who were named by the insured person life-insurance
When the act of insuring an event increases the likelihood that the event will happen moral-hazard
A person who owns the insurance policy policyholder
The money paid to an insurance company to purchase policy premium
Cash set aside that can be used to cover the costs of unexpected expenses emergency-savings
A formal request to an insurance company asking for a payment when the policyholder has an accident, illness, or injury claim
Requires the insured individual to pay a fixed percentage of the loss after the deductible has been paid co-insurance
Provides payments to replace earnings during times when workers cannot work due to illness or injury disability-insurance
Employers may offer employees benefits in the form of products of services that add extra value for the employee beyond earned wages employee-benefits
The donation of a product or service in place of cash in-kind-income

Insurance Vocabulary Crossword

Type
Crossword
Description

A U.S. law that creates a payroll tax requiring a deduction from the employees and employers. FICA
Provides assistance to people with an inadequate or no income. Social Security
A program under the US Social Security Administration. Medicare
In an insurance policy that you have to pay out of pocket by the policyholder. Deductiable
Choice of a high monthly payment and low deductible or high deductible and low monthly payment. Options
Insurance that pays for an employee's medical care in the event that he/she is injured at work. Workers' Compensation
type of vehicle, coverage needed, credit score, age, driving record, marital status Auto Insurance Premiums
Payment by a United States agency to unemployed people. Unemployment Compensation
payment made by a beneficiary (especially for health services) in addition to that made by an insurer. Co-Pay
Protection against financial loss that would result from the premature death of an insured. Life Insurance
Jointly funded by the states and the federal government. Medicaid
Pays and benefits employees receive when they leave employment at a company. Severance Package

Life Insurance Crossword Puzzle

Type
Crossword
Description

A life insurance policy is a contract between the insurance company and the person buying the insurance, called the Insured
Is the person named in the policy to receive the insurance benefits Beneficiary
In the life of another person, you must recieve some kind of financial benefit from that person's continued life. Insurableinterest
Insurance that provides financial protection from losses resulting from a death during a definite period, or term, Termlifeinsurance
Has cash value and an investment feature Permanentlifeinsurance
refers to the amount of money that the insurance company will pay if the policyholder decides the insurance is no longer needed cashvalue
Is the amount of insurance coverage that was orginally purchased and that will be paid upon the death of the insured Facevalue
Permanent insurance that extends over the lifetime, or whole life, of the insured is wholelifeinsurance
One type of whole life insurance is an ordinarylifepolicy
Provides both insurance protection and a substantial savings plan Universallifeinsurance

Financial Terms Crossword Puzzle

Type
Crossword
Description

When you’re investing or saving, this is the interest that you earn on the amount you deposit, plus any interest you’ve accumulated over time. Compoundinterest
A number used by banks and other financial institutions to measure a borrower’s credit worthiness. FICOscore
The difference between your assets and liabilities. networth
The process by which you choose what proportion of your portfolio you’d like to dedicate to various asset classes, based on your goals, personal risk tolerance and time horizon. Assetallocation
Commonly referred to as fixed-income securities. Bonds
The increase in the value of an asset or investment — like a stock or real estate — above its original purchase price. Capitalgains
The process of buying or selling securities over time in order to maintain your desired asset allocation. Rebalancing
Also called equities or shares. Stocks
This is the process of paying off your debt in regular installments over a fixed period of time. Amortization
A type of mortgage in which the interest you pay on your outstanding balance rises and falls based on a specific benchmark. ARM
An account held by an impartial third party on behalf of two parties in a transaction. Escrow
A mortgage that carries a fixed interest rate for the entire life of the loan. Fixed-rate mortgage
Employer-sponsored retirement plans, such as pensions, in which the employer promises a specified retirement benefit based on a formula that may include an employee’s earnings history, length of employment and age. Defined-benefit plans
Companies often use these as management incentives. stockoptions
The payments you make to an insurance company in return for protection from financial losses within the scope of your policy. Premium
Used to determine your taxable income, minus any additional IRS-qualified deductions that you’re eligible to take. AGI
A person who is financially dependent on your income, typically a child or an adult relative you may support. Dependent
A standard amount that can be used to reduce your taxable income if you decide not to itemize your deductions. Standarddeduction
A qualified expense that the IRS allows you to subtract from your adjusted gross income, which further reduces your taxable income. Itemizeddeduction
A type of policy that provides additional liability coverage beyond what your home, auto or boat insurance may provide. Umbrellainsurance

Insurance Key Terms Crossword

Type
Crossword
Description

a situation involving exposure to danger. "flouting the law was too much of a risk" risk
(in business) the forecasting and evaluation of financial risks together with the identification of procedures to avoid or minimize their impact risk management
a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium. "many new borrowers take out insurance against unemployment or sickness" insurance
a person or group in whose name an insurance policy is held. policy holder
An insurance premium is the amount of money that an individual or business must pay for an insurance policy. The insurance premium is considered income by the insurance company once it is earned, and also represents a liability in that the insurer must provide coverage for claims being made against the policy. policy premium
a course or principle of action adopted or proposed by a government, party, business, or individual. "the administration's controversial economic policies" policy
the extent to which something is probable; the likelihood of something happening or being the case. "the rain will make the probability of their arrival even greater" probability
state or assert that something is the case, typically without providing evidence or proof. "he claimed that he came from a wealthy, educated family" claim
the extent to which something deals with or applies to something else. "the grammar did not offer total coverage of the language" coverage
able to be deducted, especially from taxable income or tax to be paid. "child-care vouchers will be deductible expenses for employers" deductible
covered by insurance insured
a person or company that underwrites an insurance risk; the party in an insurance contract undertaking to pay compensation. insurer
the state of being responsible for something, especially by law. "the partners accept unlimited liability for any risks they undertake" liability
serious and immediate danger. "his family was in peril" peril
a danger or risk. "the hazards of smoking hazard
DEFINITION of 'Insurance Risk Class' A group of individuals or companies that have similar characteristics which is used to determine the risk associated with underwriting a new policy and the premium that should be charged for coverage. insurable risk
DEFINITION of 'Uninsurable Risk' A hazard or condition that has either a high likelihood of loss, or in which the insurance would be considered against the law. Insurance companies limit their losses by not taking on certain risks that are very likely to soon result in a loss. uninsurable risk

college Readiness Crossword

Type
Crossword
Description

provides billions of dollars nationally in the form of grants, loans, and student employment for students to pursue post secondary education Financial Aid Administrator
a collection of different types of financial aid from multiple sources Financial Aid Package
students, parents, and borrowers are required to use an. FSA ID
a set amount of time after you graduate, leave school, or drop below half-time enrollment before you must begin repayment on your loan. Grace Period
one who meets at least one of the following criteria: You are working on a degree beyond a bachelor's, such as a master's or doctorate. You have a child or children, or other legal dependents, who receive more than half their financial support from you. Independent Student
the proportion of a loan that is charged as interest to the borrower, typically expressed as an annual percentage of the loan outstanding. interest
Some money for college is awarded without regard for financial need. Merit Based Aid
is defined as a formal process focus on how a product addresses the needs of a human. Need Analysis
the final price paid for goods or services after subtracting tax and any other costs Net Price
payment in excess of what is due over payment
A quantitative estimate of the parents ability to contribute to the post secondary educational expenses of an independent student parent Contribution
the amount of money borrowed by the student principal
a signed document containing a written promise to pay a stated sum to a specified person or the bearer at a specified date or on demand. promissory note
omeone who is enrolled or accepted for enrollment in an eligible institution for the purpose of obtaining a degree or certificate offered by the school. regular student
a federal regulation requiring the U-M Office of Financial Aid to monitor the progress of each student who is receiving financial aid as they move toward completing their degree satisfactory academic progress
The system used in the United States to draft young people into armedservice. Though the United States at present has no draft, young men are required by law to register with the Selective Service when they reach the age of eighteen. selective service registration
a paper or electronic document that gives you some basic information about your eligibility for federal student aid and lists your answers to the questions on your Free Application for Federal Student Aid student aid report
Support financially subsidized
the amount of income used to calculate an individual's or a company's income tax due. taxable income
the Higher Education Act of 1965 (HEA) covers the administration of the United States federal student financial aid programs title IV Programs
The Federal Government pays the interest for Direct Subsidized Loans while the student is in college or while the loan is in deferment unsubsidized
all incommode received that is not reported to the IRS untaxed income
the process of establishing the truth, accuracy, or validity of something. verification