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Definitions - H

Hazard
The exposure of vulnerability to injury, loss or damage.

Home Office
The headquarters of an insurance company, that typically houses the actuarial, claims, investment, law, marketing and service areas.

Hospice
Health care facility providing medical care and support services such as counseling to terminally ill persons.

Human Life Value
For purposes of life insurance, the present value of the family's share of the deceased provider's future earnings.

Some whole life policies let you pay premiums for a shorter period such as 20 years, or until age 65. Premiums for these policies are higher since the premium payments are made during a shorter period.

Quick Life Insurance Terms Glossary

(some definitions taken from the National Association of Insurance Commissioners' Life Insurance Buyers Guide)

LIFE IS COMPLICATED....
BUT TERM LIFE INSURANCE DOES NOT HAVE TO BE.

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