A vehicle that has been rented, leased, or borrowed and is used for business purposes

A type of policy that does not pay dividends to the policy holder because the contract does not require them to be.

A provider who is not authorized to participate in Medicare. This term can also refer to a provider who is not yet contracted with a health plan.

A type of coverage wherein reimbursement is provided for medical services performed by nonparticipating medical providers.

Insurers that are established according to state laws with the purpose of supplying medical expense reimbursement coverage.

An employee benefit plan that does not need to be filed with the IRS and does not offer a tax deduction in exchange for contributions. Under this type of plan, the employer may discriminate with regard to who can receive coverage, and certain employees can be allocated more benefits than others.

Refusal on the part of either the insurer or the insured to renew coverage. This may be done by either party on the expiration date or the policy’s anniversary.

Provision in a policy that states the circumstances under which an insurer may elect not to renew someone’s policy.

An agent who does not reside in the state in which he or she is licensed.
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US: An agent who is licensed in a domicile in which he or she does not reside.
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An agent who is licensed to sell insurance in a state other than the one he lives in.