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Participating Contract

An insurance contract that involves direct participation of policyholders whereby they are allowed to share in the profits in the...

    Front-End Load

    An amount (of costs) that is charged at the beginning of an insurance policy rather than in smaller amounts spread...

      Experience Rating

      A rating method in insurance that takes into consideration, for establishing a basis of comparability, the amount of loss experienced...

        Experience Adjustment

        Broadly, it constitutes a change in considerations or benefits under an insurance contract that are applicable to all relevant risk...

          Front-End Loaded

          A situation where most of the management fees/ charges/ commissions (for underwriting, brokerage, and marketing, etc.) arising in connection with...

            Insurance Contract

            A contract under which an insurance provider (the issuer/ insurance company) accepts significant insurance risks from, and to the benefit...