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Lloyds Organizations - These organizations are voluntary unincorporated associations of individuals. Each individual assumes a specified portion of the liability under each policy issued. The underwriters operate through a common attorney-in-fact appointed for this purpose by the underwriters. The laws of most states contain some provisions governing the formation and operation of such organizations, but these laws don't generally provide as strict a supervision and control as the laws dealing with incorporated stock and mutual insurance companies. Disease Management - A system of coordinated health-care interventions and communications for patients with certain illnesses. Fair Credit Reporting Act A federal law, established in 1971, and revised in 1997, which enables consumers to learn what information Credit Reporting Agencies have on file about them, and to dispute inaccurate data in the file. It also establishes specific permissible purposes for which credit reports may be requested, and places time limits on how long adverse information may be reported.

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Void transaction: Refers to invalidation or deletion of transaction information recorded for settlement. Assets - Assets refer to "all the available properties of every kind or possession of an insurance company that might be used to pay its debts." There are three classifications of assets: invested assets, all other assets, and total admitted assets. Invested assets refer to things such as bonds, stocks, cash and income-producing real estate. All other assets refer to nonincome producing possessions such as the building the company occupies, office furniture, and debts owed, usually in the form of deferred and unpaid premiums. Total admitted assets refer to everything a company owns. All other plus invested assets equals total admitted assets. By law, some states don't permit insurance companies to claim certain goods and possessions, such as deferred and unpaid premiums, in the all other assets category, declaring them "nonadmissable." Grace Period The period allowed to avoid any finance charges by paying off the balance in full before the due date.

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Smart Card An electronic prepaid cash card, usually sold at banks and are exchanged at face value. Debit Card: A card that allows the holder to withdraw money or deduct the cost of purchases directly from the bank account of the holder. A loan with a balloon payment requires that a single, lump-sum payment be made at the end of the loan.

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Actuary - A specialist in the mathematics of insurance who calculates rates, reserves, dividends and other statistics. (Americanism: In most other countries the individual is known as "mathematician.") Collision Insurance - Covers physical damage to the insured's automobile (other than that covered under comprehensive insurance) resulting from contact with another inanimate object. Insurance issued to a creditor (lender) to cover the life of a debtor (borrower) for an outstanding loan.

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