Physician who specializes in treating patients who need critical care.

Trust created between living individuals that is usually revocable (it can be changed or revoked by the person who created it). Also known as living trust .

Back and forth communication between user and computer.

Written contract in which a federal agency agrees to provide to, purchase from, or exchange with another federal agency, services (including data), supplies, or equipment. Interagency agreements are between at least one component with the Department of Health and Human Services (DHHS) and another federal agency or component thereof.

Provision in a life insurance policy in which the proceeds of the policy are temporarily left on deposit with the insurance company and the money earned on those proceeds is paid either annually, semiannually, quarterly, or monthly to the beneficiary.

Represents the average annual cost of a life insurance policy. This amount is obtained by calculating the premiums, dividends, and cash values. This cost amount is one figure calculated under the interest-adjusted net cost (IANC) method for comparing the costs of life insurance policies. Also called surrender cost index (SCI) .

System of comparison of the costs of life insurance policies that weighs the dividends and cash values based on how much into the future the various amounts are payable. Three amounts are calculated: interest-adjusted cost, interest-adjusted payment, and the equivalent level annual dividend. Also known as surrender cost index (SCI) method .

Represents the average annual payment of a life insurance policy. This amount is obtained by calculating premiums and dividends. This cost amount is one figure calculated under the interest-adjusted net cost (IANC) method for comparing the costs of life insurance policies. Also called net payment cost index .