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A sudden and unexpected event, occurring at a specific time and place.

Accident and Sickness

Insurance against bodily injury, disability or death by accident, or against disability or expense resulting from sickness, and the insurance relating thereto.

Accidental Death Insurance

A form of Health insurance that provides payment, if death of the insured results from accident. Accidental Death insurance is often combined with Dismemberment insurance in a form called Accidental Death & Dismemberment (AD&D).

Accidental Means

The unexpected cause of an accidental bodily injury. Under an Accidental Means definition, which is very restrictive, if you meant to do whatever caused your injury, there is no coverage. Most Health insurance policies cover Accidental Bodily Injury, which is much broader, in that it covers accidents regardless of the cause.

Accrued Items

A list of expenses on a closing statement that has incurred but is not yet paid, for example, interest on a mortgage loan or real estate taxes.

Accumulation at Interest Option

A dividend or settlement option under which the policyholder allows his/her dividends or policy proceeds to accumulate interest with the company. Although the dividends or proceeds are not generally taxable, the interest earned is.


A formal declaration before a notary public or other authorized public official on a deed, contract or other documents that the execution was a voluntary act and authenticated for the purpose of recording.


A measure of land equal to 43,560 square feet, 4,840 square yards, 4,047 square meters, 160 square rods.


Actual Cash Value (ACV)

The cost to replace an item of property at the time of loss, less an allowance for depreciation. Often used to determine amount of reimbursement for a loss (Replacement Cost minus Depreciation).

Actual Eviction

The result of legal action brought by a landlord against a defaulted lessor or tenant, whereby the tenant is physically removed by court order or action.

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