Any facts about the applicant’s health needed to underwrite him or her; for example, a medical physical.

Signifies that the quoted price applies only at the indicated point of origin (e.g., “price ex-factory” means that the quoted price is for the goods available at the factory gate of the seller.

Exchange bill of lading.

Agreement not to bring civil suit against another for specified type(s) of future wrong(s), thus excusing (or exculpating) the other from potential liability to the party granting this waiver. Being a waiver, an exculpatory agreement differs from an indemnify agreement, such as a hold harmless agreement, which is a promise to pay another under certain circumstances.

A payment by an insurer to an insured for which there is no contractual liability. Such payments are sometimes made as a goodwill gesture if there is the possibility of a misunderstanding or a mistake.
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A payment made by underwriters “as a favour” or “out of kindness” without an admission of liability so as to maintain goodwill.
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REINSURANCE: A payment made for which company is not liable under the terms of the Policy. Usually made in lieu of incurring greater legal expenses in defending a claim. Rarely encountered in reinsurance as the reinsurer by custom and for practical reasons follows the fortunes of the ceding company.
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Compensation from the insurer that is not required by the contract. The insurer may occasionally pay a claim, although he or she is not liable as an act of goodwill.
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REINSURANCE: Latin: “by favor”. A voluntary payment made by an insurer or reinsurer in response to a loss for which it is not technically obligated under the terms of its contract.

A step in a legal action taken by one party in the absence of the other is said to be ex parte.