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INSURANCE DEFINITIONS
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Temporary Absence
A period during which a member of a group insurance scheme can be away from work and continue to be covered by the insurance.

Term
The period of time for which a policy or bond is issued.

Term Insurance
Provides a lump sum on the death of the life or lives assured during a specified period of time (term). If no death occurs during the term, then the policy will lapse, with no redemption value.

Terminal Bonus
Additional bonus which may be paid when a claim arises under a with-profit policy, either at maturity or on death of the policyholder.

Testate
A term signifying one who has made a valid Will.

Third Party
Someone other than the policyholder or insurer who is involved in an insurance claim.

Title
A legal right or document proving legal right.

Title Deed
This is the legal document that not only identifies the owner of a property but also other details about the property and the land it is built upon. This will be kept by the lender until your borrowing and interest on that borrowing has been repaid.

Total Disability
Inability to undertake either occupational duties or aspects of normal day to day life. In an insurance policy providing cover against this contingency the definition applying to that contract is normally spelled out in detail. The exact definition may vary considerably between policies.

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