The longest period of a time a disability or Long Term Care policy will pay you benefits

In Disability insurance, your physical or mental inability to perform the major duties of your occupation because of sickness or injury

The process used by an insurance company to assess the risk of providing insurance to you, meaning they look at your current health status and history

In life insurance, the person — or entity — who gets the money after you die

In a Whole Life life insurance policy, the money you would be paid if you cancel your Whole Life policy; you can also borrow against the Cash Value

Along with its siblings, Universal and Variable, combines life insurance with an investment feature (also known as the Cash Value)

Pure life insurance that protects you for a fixed period of time, no bells and whistles here

A very good, smart money management tool which allows you to save tax free money to pay for medical expenses

A doctor, lab or hospital who can charge you as much as they like (watch out!)

A doctor, lab or hospital who is contracted with the insurance company and who must discount their fees for you