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6 Types of life insurance
6.1 Temporary (Term)
6.2 Permanent
6.2.1 Whole life coverage
6.2.2 Universal life coverage
6.2.3 Limited-pay
6.2.4 Endowments
6.3 Accidental death
7 Related life insurance products
7.1 Senior and preneed products
8 Investment policies
8.1 With-profits policies
8.2 Insurance/Investment Bonds
8.3 Pensions
9 Annuities
10 Tax and life insurance
10.1 Taxation of life insurance in the United States
10.2 Taxation of life assurance in the United Kingdom
10.2.1 Pension Term Assurance
11 History
11.1 Market trends
12 Criticism
13 See also
14 References
15 External links
Parties to contract
There is a difference between the insured and the policy owner (policy holder), although the owner and the insured are often the same person. In an "open panel" plan the HMO or PPO contracts with independent practicioners, opening participation in
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Other managed care techniques
Other managed care techniques include such things as disease management, case management, wellness incentives, patient education, utilization management and utilization review. Attendants were still leery of removing the restraints, though.
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Travel insurance is an insurance cover taken by those who travel abroad, which covers certain losses such as medical expenses, lost of personal belongings, travel delay, personal liabilities, etc.
Volcano insurance is an insurance that covers volcano damage in Hawaii.
Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expense incurred because of a job-related injury.
Types of insurance companies
Insurance companies may be classified as
Life insurance companies, which sell life insurance, annuities and pensions products.
Non-life or general insurance companies, which sell other types of insurance.
General insurance companies can be further divided into these sub categories.
Standard Lines
Excess Lines
In most countries, life and non-life insurers are subject to different regulatory regimes and different tax and accounting rules
