A contract between an insurer and a client outlining coverage terms, conditions, and premium payments.

The process of identifying and evaluating potential risks that clients may face to recommend appropriate coverage.

A method of gathering information about a client's specific insurance requirements to tailor solutions.

A collection of insurance policies and coverage options presented to a client, showcasing tailored recommendations.

Coverage that protects against financial loss from accidents involving vehicles, including liability and collision.

Insurance that covers damages to a client's home and belongings, typically including liability protection.

A policy that pays a designated beneficiary a sum of money upon the insured's death, providing financial security.

The amount a policyholder pays for insurance coverage, usually on a monthly or annual basis.

The amount a policyholder must pay out-of-pocket before the insurance coverage kicks in.

A request made by the policyholder to the insurer for payment or coverage for a loss.

The process insurers use to evaluate risk and determine the terms of coverage for a policy.

Specific conditions or circumstances that are not covered by an insurance policy.

A modification or addition to an existing insurance policy that changes its terms or coverage.

Coverage that protects the insured from claims resulting from injuries and damage to other people or property.

A provision requiring the insured to share a portion of the costs of a claim, usually stated as a percentage.

Coverage that pays for injuries to others for which the policyholder is legally responsible.

Coverage that pays for damage the policyholder causes to another person's property.

Coverage that pays for living expenses if a home becomes uninhabitable due to a covered loss.

An additional provision added to an insurance policy that provides extra benefits or coverage.

A medical condition that existed before the effective date of an insurance policy, often affecting coverage.

A licensed professional who sells insurance policies and assists clients with their coverage needs.

An independent agent who represents multiple insurance companies to find the best coverage for clients.

Coverage that protects professionals against claims of negligence or malpractice.

A type of life insurance that provides coverage for a specific period, typically with no cash value.

A type of life insurance that provides coverage for the insured's entire life and includes a cash value component.