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It also clarifies benefit structures and limits such as contributory and non contributory coverage, guarantee issue limits, evidence of insurability, conversion options, and common exclusions and grace period rules.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/healthcare/","Healthcare",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/life-insurance-glossary-a-list-of-general-insurance-terms/412615/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/life-insurance-glossary-a-list-of-general-insurance-terms/412615.png","ImageObject",300,407,{"name":42,"@type":43},"\tJames","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-29","2026-09-28",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",8,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What is the difference between an applicant and an insured?","Question",{"text":63,"@type":64},"An applicant is the party applying for an insurance policy. 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Solution Driven.  \nLife Insurance Glossary  \nThis is a list of general insurance terms. For specific terms and conditions regarding a specific plan, please refer to the policy, Joinder Agreement, or Certificate of Insurance.  \nActive, Full-Time Employee: An individual must work for the employer on a regular basis in the usual course of the employer’s business to be considered an active, full-time employee and thus be eligible for coverage. Usually, a minimum number of hours of regular work are specified.  \nAccidental Death and Dismemberment Insurance (AD&D): A benefit that provides an amount of money if an insured suffers a loss as a result of bodily injury or loss of life affected solely through accidental means.  \nActively at Work: The performance of an eligible employee’s substantial and material duties of their job at their employer’s place of business, or any other place of business to which their employer requires them to travel and satisfying the minimum hour work requirement.  \nAdministration/Administrative Fee: A fee for services provided by the agent.  \nAnnual Enrollment: A yearly event in which eligible employees are allowed to apply for coverage.  \nApplicant: The party applying for an insurance policy.  \nBeneficiary: The person designated by the insured to receive benefits under the policy if the insured dies.  \nCarrier: The name of the insurance company.  \nCensus: A list or spreadsheet of all eligible and/or enrolled employees. Information such as full name, Social Security number, birth date, occupation, gender, date of hire, insurance amounts, and annual salary are generally required.  \nCertificate of Insurance: The document the employee receives explaining their benefits as well as the terms and conditions for those benefits.  \nClaim: A request made by the employee or the employee’s beneficiary, for payment of benefits as provided by the policy.  \nContributory: The employee is responsible for a portion of the premium or full premium amounts.  \nConversion: An option which allows the insured who leaves the group plan to convert their group life coverage to any plan of individual life insurance with that same insurance carrier, regardless of their state of health. Written application must be made within the 31 day period following termination. The premium will be based on the employee’s age on the nearest birthday upon issue, the class of risk to which they belong, and the premium rate in effect on the date of conversion.  \nDependent: An employee’s spouse (who is a nonemployee of the employer) and/or their unmarried dependent children usually from age 14 days to 19 years of age or as specified in within the Joinder Agreement. If the eligible dependent is a full-time student, coverage is normally provided until age 26.  \nDependent Life: An optional benefit that may or may not be included in your plan. It provides coverage for an insured’s dependents, usually at the employee’s expense.  \nEffective Date: Date which the policy/employee is active.  \nEligibility Date: The date an employee becomes eligible for insurance under the policy.  \nEligibility Requirements: The conditions a person must meet in order to be a participant in a group life insurance or group disability plan.  \nEmployee: A person who is currently working for the participating employer for wages.  \n© AP/National Insurance Services  \n-1-  \nlife.ins.glossary. rev.8.21  \nClient  \nFocused. Solution Driven.  \nEmployer: Any participating employer signing a Joinder Agreement and named in the Schedule of Benefits.  \nEnroll: To complete the appropriate enrollment materials with the intention of being approved for the selected coverage.  \nEvidence of Insurability (EOI): A health questionnaire completed by an employee showing that they (or their spouse and/or dependents) are in good health. Evidence of Insurability is often required for coverage over the guarantee issue limit and late enrollees.  \nExclusions: A specific condition or circumstance ","cbCaisO4aq0kAlLu","https://ap.wps.com/l/cbCaisO4aq0kAlLu","pdf",111905,"English","# Terms and Definitions\n## Enrollment, Eligibility, and Coverage\n## Benefits, Documentation, and Limits","[{\"question\":\"What is the difference between an applicant and an insured?\",\"answer\":\"An applicant is the party applying for an insurance policy. An insured is an employee and/or their dependents who meet eligibility requirements for coverage under the policy.\"},{\"question\":\"What does evidence of insurability (EOI) mean?\",\"answer\":\"EOI is a health questionnaire completed by an employee (and sometimes their spouse or dependents) showing they are in good health. It is often required for coverage above the guarantee issue limit and for late enrollees.\"},{\"question\":\"When can coverage be converted after leaving a group plan?\",\"answer\":\"Conversion is an option allowing an insured who leaves the group plan to convert their group life coverage to an individual life insurance plan with the same carrier. A written application must be made within the 31-day period following termination.\"}]","Life Insurance Glossary - A list of general insurance terms | PDF",1790592197]