Life Insurance Glossary

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Definitions - H

Hazard
The exposure of vulnerability to injury, loss or damage.

Home Office
The headquarters of an insurance company, that typically houses the actuarial, claims, investment, law, marketing and service areas.

Hospice
Health care facility providing medical care and support services such as counseling to terminally ill persons.

Human Life Value
For purposes of life insurance, the present value of the family's share of the deceased provider's future earnings.

(some definitions taken from the National Association of Insurance Commissioners' Life Insurance Buyers Guide)

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Describe your Health:	Regular Regular Plus Preferred Preferred Plus
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