A trust comprised of several small employers who work in the same field. This trust is created to purchase group insurance at a lower cost, or establish a self-funded plan.

Funds and trusts financed by the employer to provide medical benefits.

Using a separate fund as well as insurance cash values to provide retirement benefits.

A provision that some or all of the benefits under a policy will be increased by a stated multiple, such as 100% or 200%, in the event that peril occurs in a specified way, e.g., double indemnity in case of Permanent Total Disablement due to an accident under PA Policies.

A clause stating that the benefits provided by a certain policy will be multiplied by a certain percentage if the peril happens in a specified way; for example, double indemnity on a property insurance policy in the case of arson.

Insurance which combines coverage of both property and liability loss exposures into one Policy.

A state law that makes it legal for the same insurer to write both property and casualty insurance.

Any kind of personal or commercial package policy that includes many different coverages.

A policy that covers property owned by one person in more than one location.