Unit of measurement used by managed care plans or insurance companies to find out the number of people covered in the contract or policy. The formula for determining this number is to multiply the number of plan members by 2.5.

Insurance policy provision that allows the insured to receive all or part of the policy’s death benefit before the insured’s death dependent on specific conditions. This type of rider may be used to help an insured individual pay medical expenses if he or she develops a terminal illness.

Surgical procedure of excising a kidney from a living donor and implanting it into a suitable recipient.

Legal document that states the wishes of an individual concerning life support or other medical treatment in certain circumstances, usually when death is imminent or if the person is unconscious and unable to make a decision. Also known as a medical directive, advance directive , or health care advance directive .

In life insurance, this is a specific amount that can be borrowed from the issuing company by the policy owner, using the cash value of the policy as collateral. If the policy owner dies and the debt is not completely paid, then the amount borrowed plus any interest is deducted from the face amount of the loan.
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The amount which can be borrowed at a specified rate of interest from the issuing company by the policyholder, using the value of the policy as collateral. In the event the policyholder dies with the debt partially or fully unpaid, then the amount borrowed plus any interest is deducted from the amount payable.