Carrying passengers using a rented vehicle. Typically an automobile insurance policies’ exclusion.

Livestock is insured using this commercial form. Farm coverage often carries this as an add-on.

A insurance rider attached to a life insurance contract for an insured person who is terminally ill, providing long-term care benefits.

Allows life insurance to have long-term care benefits. Stems from a mixture of life insurance and long-term care coverage. This practice reduces the value of the life insurance policy is less because

Focusing on form, fit, and function, this set of flexible requirements are designed to easily fit new products, processes, and more advanced requirements into what currently exists. It promotes continuous quality improvements

Revocable trust as an estate planning device, built on property transfer or gift to one or more beneficiaries from its living trustor. It is not a way to stave off creditors from

A family uses this dwelling as a type of housing.

Income from working that is sufficient to pay the bills, buy enough food, handle emergencies, and stay off welfare.

Lloyd’s of London is copied by an organized group. It is not affiliated with Lloyd’s. Only responsible for the risk portion they choose to insure, unrelated entities congregate to collectively provide coverage.

1. Force exerted overall on a structure or a body. 2. Expected amount of production from a producer. Allotted work to an individual, group, machine, or system. 3. A piece of equipment,

The even splitting of workload among two or more servers. The intent is to provide a certain standard of throughput for the user community while having online backup servers in case one

1. Time-bound ratio of average energy demand versus maximum demand peak load. 2. Ratio of demonstrated machine capacity as a work center, or as a system versus service availability versus utilization. 3.

Energy utilities’ demand reduction method. Demand is load. Different geographical areas have their energy generation temporarily switched off.

Moving demand from daily peak hours to off-peak hours. A load management technique.

An investor making periodic contributions to a mutual fund account. It spreads out the load payments as smaller ones. Also known as Spread Load Contractual Plan. An alternative is to pay fees

Built in to the insurance cost, this amount covers insurer operating cost, periodic insurer’s losses higher than anticipated, and interest earned from the insurer’s investments. The amount required to only cover losses

The point where warehouse meets the outside world; where goods are loaded on/off a vehicle. A warehouse area.

For making a mortgage loan, the lender charges a fee to the borrower. Typically a percentage of the loan principal.

Delinquent borrower’s payoff routine worked out with a lender. Rescheduling the loan, having a longer payback period, having smaller installment amount are typical conditions. Staves off further delinquency and likely foreclosure.

A rule preventing take over by no allowing any partner owning more than 10% from converting their stock into voting stocks.