Type of level term insurance that needs a larger premium payment in the first year than the amount of annual premiums in subsequent years. This higher first-year premium is called a deposit . If the insured dies, double the deposit is added to the death benefit. If the insured lives, double the deposit is returned. If the policy lapses, the insured forfeits the deposit and receives no refund.

Type of bank account that provides protection against cyber thieves because it has a block or filter that enables it to only accept electronic deposits. Sometimes called zero-balance account (ZBA) . See also electronic funds transfer (EFT) system .

Process of taking a witness’s sworn testimony out of court; usually done by an attorney. It is a chance for the opposing attorney to ask the witness whatever he or she wants to know, to fill in some blanks, finish preparing the case, evaluate the witness’ testifying style, and determine how to approach the witness at trial.

Failing in one’s duty.

Subset from an original identifiable file.

Study of anatomy and physiology of skin, hair, and nails and the diagnosis and treatment of their diseases and disorders.

Statement, written or oral, giving an unfavorable or negative opinion of another individual or situation.

Individual, other than the insured, who is to receive the proceeds on the death of the insured under a life insurance policy.

Medical code set or an administrative code set that Health and Human Services (HHS) has designated for use in one or more of the Health Insurance Portability and Accountability Act (HIPAA) standards.

Organization that Health and Human Services (HHS) has designated for oversight of the business data content of one or more of the Health Insurance Portability and Accountability Act (HIPAA)-mandated transaction standards.