Normal Distribution

A mathematical distribution, bell-shaped in nature, in which approximately 68 percent of all observations fall within one standard deviation of the mean, approximately 95 percent fall within two standard deviations of the mean and approximately 99 percent of all observations fall within three standard deviations of the mean.

Normal Loss

Rupee amount of a particular type of loss which an organization typically suffer annually. Unless Insurance is needed for loss control or other reasons and organization typically will plan to retain rather than insure its normal losses budget able business expenses.

Normal pension age (NPA)

Earliest age at which a pension scheme member becomes entitled to receive full retirement benefits other than the guaranteed minimum pension. This definition is relevant for preservation and contracting out purposes. Each scheme has its own NPA; members retiring earlier normally get a reduced pension.