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Preferred Auto - Auto coverage for drivers who have never had an accident and operates vehicles according to law. Drivers are not a risk for any insurance company that writes auto insurance, and no insurance company would be afraid to take them on as risk. Major medical insurance. Health insurance to cover medical expenses over and above that of a basic health insurance policy. 
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S-loss Provision. A provision under which an insured pays a certain amount of coinsurance after which the insurance company pays 100 percent of the remaining covered expenses. Available to policyholders who insure more than one vehicle at the same location. 
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Accident insurance. A form of health insurance that insures against financial loss resulting from an accident. Multi-Car Discount 
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Renewal - The automatic re-establishment of in-force status effected by the payment of another premium. Automobile insurance. Insurance that pays for loss to individuals or property from an auto accident, theft, or other perils specified in the insurance contract. 
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Subaccount Charge - The fee to manage a subaccount, which is an investment option in variable products that is separate from the general account. Grace period. A period (usually 30 to 31 days) following the premium due date, during which an overdue premium may be paid without penalty. The policy remains in force throughout the period.