Division in a life and health insurance company that provides help to the company’s agents, policyholders, and beneficiaries. Types of service include supplying answers to requests for information, interpreting policy language, answering questions about insurance policy coverage, and making changes requested by the policyholder. This department also sends premium notices and collects premium payments, processes policy loans, dividends, and so on. Also called client service department, policy administration department, policy owner service department, and service and claim department.