Life insurance policy in which part of each dividend provides paid-up additions, and the other part gives 1-year term insurance to produce a predetermined total death benefit.

To join a health insurance plan.

Pension actuary who meets the standards of and is enrolled by the federal agency known as the Joint Board for the Enrollment of Actuaries .

Eligible individuals under a member’s family coverage who have applied and been accepted for membership in a health insurance plan (i.e., spouse and children of the insured). Under some insurance policies, parents, other family members, and domestic partners may be insured as dependents.

Individuals with the same employer or members of an association who are enrolled together in an insurance health plan. Also called contract group .

1. Person eligible for service as either a subscriber or a dependent of an insurance plan. 2. Individual or employer who becomes a member or subscribes to a health insurance plan or program. Also called beneficiary, enrolled patient, insured, member, policyholder, policy owner , or subscriber .

Toll-free telephone lines, usually staffed by the State or enrollment broker, that beneficiaries may call when they encounter a problem with their managed care organization. The people who staff hotlines are knowledgeable about program policies and may plan an “intake and triage” role or may assist in resolving the problem.