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Automated Clearing House: A nationwide fund transfer network that allows the participating businesses or financial institutions to electronically transfer funds among each other within United States. Liability Examiner Nonstandard Auto (High Risk Auto or Substandard Auto) - Insurance for motorists who have poor driving records or have been canceled or refused insurance. The premium is much higher than standard auto due to the additional risks.

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Issuer Identification Number (IIN): The first six digits of a credit card's numbers are known as issuer identification number, as they help to identify the particular issuer of the card. Assigned benefits. An arrangement whereby your physician accepts payment directly from the insurance company. Credit Bureau Risk Score: This is a measure of credit risk, estimated on the basis of the credit report information available with the major credit bureaus. This number is calculated with the help of statistical models and it helps the creditors to evaluate the risk involved in giving a loan to a particular individual or business firm. Generally, credit bureau risk score is also referred to as 'credit score' or 'score'. Credit scores are generally arranged in different categories or credit score ranges to evaluate credit risks. Know more about credit score scale and credit score ranges and what they mean.

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Term used to refer to the other party's insurance company. Term Life Insurance - Life insurance that provides protection for a specified period of time. Common policy periods are one year, five years, 10 years or until the insured reaches age 65 or 70. The policy doesn't build up any of the nonforfeiture values associated with whole life policies. Health Savings Account - Plan that allows you to contribute pre-tax money to be used for qualified medical expenses. HSAs, which are portable, must be linked to a high-deductible health insurance policy.

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ACTUAL CASH VALUE Points: Fees or charges paid to a mortgage lender at the beginning of a loan. Typically, one point is equal to one percent of the loan. Also known as a 'discount point'. Guarantor: The individual responsible for paying a bill.

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