{"id":12735,"date":"2022-02-11T16:40:58","date_gmt":"2022-02-11T16:40:58","guid":{"rendered":"https:\/\/sentinelnew.advisornet.org\/glossaire\/"},"modified":"2023-08-04T17:28:00","modified_gmt":"2023-08-04T17:28:00","slug":"glossaire","status":"publish","type":"page","link":"https:\/\/sentinelgroup.ca\/fr\/glossaire\/","title":{"rendered":"Glossaire"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"12735\" class=\"elementor elementor-12735 elementor-4086\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9150040 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"9150040\" data-element_type=\"section\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6791ebf\" data-id=\"6791ebf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-241875a elementor-widget elementor-widget-heading\" data-id=\"241875a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Glossaire financier<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b14c08f elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b14c08f\" data-element_type=\"section\" data-settings='{\"shape_divider_top\":\"opacity-fan\"}'>\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 283.5 19.6\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.33\" d=\"M0 0L0 18.8 141.8 4.1 283.5 18.8 283.5 0z\"><\/path>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.33\" d=\"M0 0L0 12.6 141.8 4 283.5 12.6 283.5 0z\"><\/path>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.33\" d=\"M0 0L0 6.4 141.8 4 283.5 6.4 283.5 0z\"><\/path>\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L0 1.2 141.8 4 283.5 1.2 283.5 0z\"><\/path>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-341e23e\" data-id=\"341e23e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c2d400 elementor-tabs-view-horizontal elementor-widget elementor-widget-tabs\" data-id=\"4c2d400\" data-element_type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\">\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7981\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-7981\" aria-expanded=\"false\">TOUS<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7982\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7982\" aria-expanded=\"false\">UNE<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7983\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7983\" aria-expanded=\"false\">B<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7984\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7984\" aria-expanded=\"false\">C<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7985\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7985\" aria-expanded=\"false\">E<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7986\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"6\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7986\" aria-expanded=\"false\">F<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7987\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"7\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7987\" aria-expanded=\"false\">g<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7988\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"8\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7988\" aria-expanded=\"false\">je<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-7989\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"9\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7989\" aria-expanded=\"false\">J<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-79810\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"10\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79810\" aria-expanded=\"false\">K<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-79811\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"11\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79811\" aria-expanded=\"false\">L<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-79812\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"12\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79812\" aria-expanded=\"false\">M<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-79813\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"13\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79813\" aria-expanded=\"false\">N<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-79814\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"14\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79814\" aria-expanded=\"false\">P<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-79815\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"15\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79815\" aria-expanded=\"false\">R<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-79816\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"16\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79816\" aria-expanded=\"false\">S<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-79817\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"17\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79817\" aria-expanded=\"false\">J<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-79818\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"18\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79818\" aria-expanded=\"false\">tu<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-79819\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"19\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79819\" aria-expanded=\"false\">V<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-79820\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"20\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79820\" aria-expanded=\"false\">O<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-79821\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"21\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79821\" aria-expanded=\"false\">Oui<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-7981\" aria-expanded=\"false\">TOUS<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7981\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7981\" tabindex=\"0\" hidden=\"false\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-0\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"#\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;ACCIDENTAL DEATH AND DISMEMBERMENT (AD&amp;D) RIDER&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A supplementary benefit rider or endorsement that provides for an amount of money in addition to the basic death benefit of a life insurance policy. This additional amount is payable only if the insured dies or loses any two limbs or the sight of both eyes as the result of an accident. Some AD&amp;D riders pay one half of the benefit amount if the insured loses one limb or the sight in one eye.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">AVENANT D&Eacute;C&Egrave;S ET MUTILATION ACCIDENTELS (DMA)<\/a><\/li>\n<li class=\"ln-0\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"#\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;ACTUARY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A technical expert in life insurance, particularly in mathematics. A person in this job applies the theory of probability to calculate mortality rates, morbidity rates, lapse rates, premium rates, policy reserves, and other values.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ACTUAIRE<\/a><\/li>\n<li class=\"ln-0\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"#\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;ADJUSTABLE LIFE INSURANCE POLICY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A life insurance contract designed specifically to allow the policy owner to alter the policy's plan by changing the amount of the coverage or the amount of the premium. The insurer calculates the specific plan of insurance that can be provided based on the requested death benefit and premium. Therefore, an adjustable life insurance policy can use insurance plans that range from a term insurance policy of short duration to a limited-payment whole life insurance policy.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">POLICE D&rsquo;ASSURANCE VIE AJUSTABLE<\/a><\/li>\n<li class=\"ln-1\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"#\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;BENEFICIARY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The person or other party designated to receive life insurance policy proceeds. See also contingent beneficiary, irrevocable beneficiary, primary beneficiary, and revocable beneficiary.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">B&Eacute;N&Eacute;FICIAIRE<\/a><\/li>\n<li class=\"ln-1\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"#\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;BENEFIT&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The amount of money paid when an insurance claim is approved. Also called the policy benefit.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">AVANTAGE<\/a><\/li>\n<li class=\"ln-1\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/benefit-of-survivorship\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;BENEFIT OF SURVIVORSHIP&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Describes the fact that annuity payments will be made as long as the designated recipient is alive at the time the payment is due. This concept is used in the calculation of amounts due under life insurance settlement options.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">B&Eacute;N&Eacute;FICE DE SURVIE<\/a><\/li>\n<li class=\"ln-1\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/business-continuation-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;BUSINESS-CONTINUATION INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A type of business insurance designed to provide funds so the remaining partners in a business, or the remaining stockholders in a closely-held corporation, can buy the business interest of a deceased or disabled partner or stockholder.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE POURSUITE D&rsquo;EXPLOITATION<\/a><\/li>\n<li class=\"ln-2\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/cash-value\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;CASH VALUE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In a life insurance policy, the amount of money, before adjustment for factors such as policy loans or late premiums, that the policyowner will receive if the policyowner allows the policy to lapse or cancels the coverage and surrenders the policy to the insurance company. Cash values are a feature of most types of permanent life insurance, such as whole life and universal life. Also called inside build-up and policyowner's equity.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">VALEUR EN ESP&Egrave;CES<\/a><\/li>\n<li><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/acfm\/\">CIRO<\/a><\/li>\n<li class=\"ln-2\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/conversion-privilege\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;CONVERSION PRIVILEGE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;(1) The right of a person who is covered by a group insurance policy to convert his or her group coverage to coverage under an individual insurance policy. Such a conversion can be made when a person leaves the group, benefits are downgraded or terminated for a specific class, or when the group master policy is ended. (2) The right to change insurance coverage in certain prescribed situations from one type of policy to another. For example, the right to change from an individual term insurance policy to an individual whole life insurance policy.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">PRIVIL&Egrave;GE DE CONVERSION<\/a><\/li>\n<li class=\"ln-2\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/convertible-term-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;CONVERTIBLE TERM INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A type of term insurance that allows the policyowner to change the term insurance policy to a whole life policy without providing evidence of insurability. The premium rate is normally based on the age of the insured at the time of the conversion.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE TEMPORAIRE CONVERTIBLE<\/a><\/li>\n<li class=\"ln-3\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/death-benefit\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;DEATH BENEFIT&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The amount of money paid or due to be paid when a person insured under a life insurance policy dies. This amount does not include adjustments for outstanding policy loans, dividends, paid-up additions, or late premium payments.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">PRESTATION DE D&Eacute;C&Egrave;S<\/a><\/li>\n<li class=\"ln-3\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/deductible\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;DEDUCTIBLE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A flat amount that an insured must pay before the insurance company will make any benefit payments under a health insurance policy. Also called the deductible amount or initial deductible.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">D&Eacute;DUCTIBLE<\/a><\/li>\n<li class=\"ln-3\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/demutualization\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;DEMUTUALIZATION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The process of converting a mutual insurance company to a stock insurance company.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">DEMUTUALISATION<\/a><\/li>\n<li class=\"ln-3\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/disability-benefits\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;DISABILITY BENEFITS&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Benefits that are payable periodically while an insured continues to be disabled. \" being disabled is generally defined in terms of inability to work.>PRESTATIONS D&rsquo;INVALIDIT&Eacute;<\/a><\/li>\n<li class=\"ln-3\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/double-indemnity\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;DOUBLE INDEMNITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Death benefit coverage that pays an additional benefit equal to the basic death benefit of the policy if the insured's death is accidental.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">DOUBLE INDEMNIT&Eacute;<\/a><\/li>\n<li class=\"ln-4\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/estate-planning\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;ESTATE PLANNING&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;An insurance program designed not only to provide funds for the prospect's dependents upon the death of the prospect, but also to conserve, as much as possible, the personal assets that the prospect wants to bequeath to heirs. Estate planning usually involves accountants, lawyers, and the trust officers of banks, as well as insurance agents.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">PLANIFICATION SUCCESSORALE<\/a><\/li>\n<li class=\"ln-5\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/family-income-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;FAMILY INCOME INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A specialized individual policy that commonly combines whole life insurance with decreasing term insurance. The whole life insurance portion of the policy is usually paid as a lump sum when the insured dies. The decreasing term insurance portion of the policy provides an income for a predetermined period to help support the insured's family.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE REVENUS FAMILIAUX<\/a><\/li>\n<li class=\"ln-5\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/fiduciary\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;FIDUCIARY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A person or organization who holds, manages and has discretionary authority and control over money belonging to another person or organization, or who renders investment advice in exchange for compensation. When an insurance company manages pension funds, the insurance company is acting as a fiduciary.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">FIDUCIAIRE<\/a><\/li>\n<li class=\"ln-5\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/fraudulent-claim\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;FRAUDULENT CLAIM&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A type of claim that occurs when a claimant intentionally uses false information in an attempt to collect policy proceeds.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">R&Eacute;CLAMATION FRAUDULEUSE<\/a><\/li>\n<li class=\"ln-6\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/general-agent-ga\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;GENERAL AGENT (GA)&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The individual in charge of a field office of an insurer that uses the general agency distribution system. The general agent is an independent entrepreneur who is under contract to the insurer.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">AGENT G&Eacute;N&Eacute;RAL (AG)<\/a><\/li>\n<li class=\"ln-6\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/grace-period\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;GRACE PERIOD&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The length of time (usually 31 days) after a premium is due and unpaid during which the policy, including all riders, remains in force. If a premium is paid during the grace period, the premium is considered to have been paid on time.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">P&Eacute;RIODE DE GR&Acirc;CE<\/a><\/li>\n<li class=\"ln-8\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/impairment\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;IMPAIRMENT&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Any aspect of the health, occupation, activities, or life-style of a proposed insured that could increase his or her expected mortality or morbidity.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">D&Eacute;FICIENCE<\/a><\/li>\n<li class=\"ln-8\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/individual-retirement-account-ira\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;INDIVIDUAL RETIREMENT ACCOUNT (IRA)&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In the United States, a tax-sheltered savings plan that allows some citizens to make pre-tax contributions to an approved account. The contributions and investment earnings are taxable as income only when paid out. Investors can establish IRAs through a number of financial institutions, including insurance companies.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">COMPTE DE RETRAITE INDIVIDUEL (IRA)<\/a><\/li>\n<li class=\"ln-9\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/joint-and-survivor-annuity\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;JOINT AND SURVIVOR ANNUITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;An annuity under which a series of payments is made to two or more annuitants. The annuity payments continue until both or all of the annuitants have died. Also called a joint and last survivorship annuity.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">RENTE CONJOINTE ET DE SURVIVANT<\/a><\/li>\n<li class=\"ln-9\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/joint-and-survivorship-option\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;JOINT AND SURVIVORSHIP OPTION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A life insurance settlement option under which payments will be made to two or more payees. These payments will continue until both or all the named payees are deceased.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">OPTION CONJOINTE ET DE SURVIE<\/a><\/li>\n<li class=\"ln-10\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/key-employee\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;KEY EMPLOYEE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In pension planning in the United States, a highly paid employee who satisfies any one of four criteria relating to compensation and company ownership. The criteria are described in legislation and tax rules. The amount of benefits accrued to key employees in a pension plan, as compared to benefits accrued to other employees, is the major factor in determining whether the plan is a top-heavy employee benefit plan.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">EMPLOY&Eacute; CL&Eacute;<\/a><\/li>\n<li class=\"ln-10\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/key-person-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;KEY-PERSON INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Life insurance purchased by a business on the life of a person (usually an employee) whose continued participation in the business is necessary to the firm's success and whose death or disability would cause financial loss to the company.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE PERSONNE CL&Eacute;<\/a><\/li>\n<li class=\"ln-11\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/level-premiums\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;LEVEL PREMIUMS&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Premiums that remain the same each year that the life insurance policy is in force.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">PRIMES DE NIVEAU<\/a><\/li>\n<li class=\"ln-11\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/life-annuity-with-period-certain\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;LIFE ANNUITY WITH PERIOD CERTAIN&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A life annuity which promises that if the annuitant dies before the end of a designated period (usually 5, 10, or 20 years), the insurer will continue payments to a contingent payee until the end of the designated period. Also called a life income with period certain annuity.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">RENTE VIAG&Egrave;RE &Agrave; P&Eacute;RIODE CERTAINE<\/a><\/li>\n<li class=\"ln-11\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/life-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;LIFE INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Insurance that provides protection against the economic loss caused by the death of the person insured.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE-VIE<\/a><\/li>\n<li class=\"ln-11\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/long-term-care-ltc-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;LONG-TERM CARE (LTC) INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Coverage available on an individual or group basis to provide medical and other services to patients who need constant care in their own home or in a nursing home.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE SOINS DE LONGUE DUR&Eacute;E (SLD)<\/a><\/li>\n<li class=\"ln-11\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/long-term-disability-income-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;LONG-TERM DISABILITY INCOME INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Disability income insurance which typically provides disability income benefits that begin at the end of a specified waiting period and that continue until the earlier of the date when the insured person returns to work, dies, or becomes eligible for pension benefits.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE REVENU EN CAS D&rsquo;INVALIDIT&Eacute; DE LONGUE DUR&Eacute;E<\/a><\/li>\n<li class=\"ln-12\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/material-fact\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;MATERIAL FACT&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A fact that is relevant to an insurance company's underwriting decision regarding issuing or rating a policy.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">FAIT MAT&Eacute;RIEL<\/a><\/li>\n<li class=\"ln-12\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/material-misrepresentation\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;MATERIAL MISREPRESENTATION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In insurance, a misstatement by an applicant that is relevant to the insurer's acceptance of the risk, because, if the truth had been known, the insurer would not have issued the policy or would have issued the policy on a different basis.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">FAUSSES D&Eacute;CLARATIONS MAT&Eacute;RIELLES<\/a><\/li>\n<li class=\"ln-12\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/misrepresentation\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;MISREPRESENTATION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;(1) A false or misleading statement made to induce a prospect to purchase insurance. Misrepresentation is a prohibited insurance sales practice. (2) A false or misleading statement made by an applicant for insurance. Certain misrepresentations provide a basis for the insurer to avoid the policy.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">FAUSSE REPR&Eacute;SENTATION<\/a><\/li>\n<li class=\"ln-12\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/misstatement-of-age-provision\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;MISSTATEMENT OF AGE PROVISION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Life insurance policy wording that specifies the action the insurer will take if, at the insured's death, the insurer discovers that the insured's age was misstated in the application and the misstatement has resulted in an incorrect premium for the amount of insurance purchased. In an individual life insurance policy, this provision specifies that the policy's benefit amount will be adjusted. In a group insurance policy, this provision generally specifies that the policy's premium amount will be adjusted.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">D&Eacute;CLARATION ERRON&Eacute;E DE LA DISPOSITION D&rsquo;&Acirc;GE<\/a><\/li>\n<li class=\"ln-13\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/nonsmoker-risk-class\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;NONSMOKER RISK CLASS&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;An underwriting risk class that includes people who are standard risks and who have not smoked cigarettes for a specified period of time, usually 12 months, before applying for insurance. People in the nonsmoker risk class pay lower than standard premiums.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">CAT&Eacute;GORIE DE RISQUE NON-FUMEUR<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/partial-disability\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;PARTIAL DISABILITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A disability that prevents an insured from engaging in some of the duties of his or her usual occupation or from engaging in the occupation on a full-time basis.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">INVALIDIT&Eacute; PARTIELLE<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/partial-disability-benefit\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;PARTIAL DISABILITY BENEFIT&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A flat amount specified in a disability income insurance policy that is payable when the insured suffers a partial disability. Usually the partial disability benefit is half the full disability benefit.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">PRESTATION D&rsquo;INVALIDIT&Eacute; PARTIELLE<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/partnership-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;PARTNERSHIP INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A type of business insurance designed to provide funds so the remaining partners in a business can buy the business interest of a deceased or disabled partner. See also business-continuation insurance.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE PARTENARIAT<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/payee\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;PAYEE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The person to whom benefits are payable under a supplementary contract.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">B&Eacute;N&Eacute;FICIAIRE<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/policy\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;POLICY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A written document that serves as evidence of an insurance contract and contains the pertinent facts about the policyowner, the insurance coverage, the insured, and the insurer.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">POLITIQUE<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/premium\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;PREMIUM&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The payment, or one of a series of payments, required by the insurer to put an insurance policy in force and keep it in force.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">PRIME<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/primary-beneficiary\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;PRIMARY BENEFICIARY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The party or parties who have first rights to receive policy benefits when the benefits of an insurance policy become payable.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">B&Eacute;N&Eacute;FICIAIRE PRINCIPAL<\/a><\/li>\n<li class=\"ln-17\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/registered-representative\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;REGISTERED REPRESENTATIVE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Any person who is licensed with the National Association of Securities Dealers and who is engaged either in selling securities as the agent or representative of a broker-dealer or in training the sales persons associated with a broker-dealer.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">REPR&Eacute;SENTANT ENREGISTR&Eacute;<\/a><\/li>\n<li class=\"ln-17\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/reinstatement\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;REINSTATEMENT&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The process by which a life insurance company puts back in force a policy that had lapsed because of nonpayment of renewal premiums.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">R&Eacute;INT&Eacute;GRATION<\/a><\/li>\n<li class=\"ln-17\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/reinsurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;REINSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A transaction between two insurance companies in which one company purchases insurance from the other to cover part or all of the risks that the first company does not wish to retain in full.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">R&Eacute;ASSURANCE<\/a><\/li>\n<li class=\"ln-17\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/renewal-premiums\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;RENEWAL PREMIUMS&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Premiums payable after the initial premium.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">PRIMES DE RENOUVELLEMENT<\/a><\/li>\n<li class=\"ln-17\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/renewal-provision\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;RENEWAL PROVISION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;(1) An individual life insurance policy provision that gives the policyowner the right to continue the insurance coverage at the end of the specified term without submitting evidence of continued insurability. (2) A provision in an individual health insurance policy describing the circumstances under which the insurance company may refuse to renew the coverage, may cancel the coverage, or may increase the policy's premium rate.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">DISPOSITION DE RENOUVELLEMENT<\/a><\/li>\n<li class=\"ln-17\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/risk-class\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;RISK CLASS&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A group of insureds who present a substantially similar risk to the insurance company. Among the most common risk classes used by life insurance companies are standard, preferred, nonsmoker, substandard, and uninsurable.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">CLASSE DE RISQUE<\/a><\/li>\n<li class=\"ln-18\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/social-security\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;SOCIAL SECURITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In the United States, a program of the United States federal government that provides retirement income, health care for the aged, and disability coverage for eligible workers and their dependents.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">S&Eacute;CURIT&Eacute; SOCIALE<\/a><\/li>\n<li class=\"ln-18\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/social-security-disability-income-ssdi\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;SOCIAL SECURITY DISABILITY INCOME (SSDI)&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In the United States, a long-term disability income program that provides benefits to disabled workers who are under age 65 and who have paid a specified amount of Social Security tax for a prescribed number of quarter-year periods.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">REVENU D&rsquo;INVALIDIT&Eacute; DE LA S&Eacute;CURIT&Eacute; SOCIALE (RSSDI)<\/a><\/li>\n<li class=\"ln-18\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/sole-proprietorship-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;SOLE PROPRIETORSHIP INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Insurance on the life of the sole proprietor of a business. Sole proprietorship insurance is used either to pay the salary of someone hired to run the business after the owner's death or disablement or to compensate the owner's family for the loss of potential income due to the failure of the business after the owner's death or disability.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE ENTREPRISE INDIVIDUELLE<\/a><\/li>\n<li class=\"ln-19\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/term-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;TERM INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Life insurance under which the benefit is payable only if the insured dies during a specified period. See also convertible term insurance, credit life insurance, decreasing term insurance, deposit term insurance, family income insurance, increasing term insurance, level term insurance, mortgage redemption insurance, and renewable term insurance.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE TEMPORAIRE<\/a><\/li>\n<li class=\"ln-19\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/testamentary-disposition\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;TESTAMENTARY DISPOSITION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In life insurance, the use of a will to indicate the person or party to whom the proceeds of a life insurance policy should be distributed.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">DISPOSITION TESTAMENTAIRE<\/a><\/li>\n<li class=\"ln-19\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/total-disability\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;TOTAL DISABILITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;When a disability begins, it is typically considered a \" total disability if it prevents an insured person from performing the essential duties of his or her regular occupation. under many insurance policies definition changes at end a specified period after begins usually two years. therefore insureds are considered totally disabled only their disabilities prevent them working any occupation for which they reasonably fitted by education training experience.>INVALIDIT&Eacute; TOTALE<\/a><\/li>\n<li class=\"ln-19\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/triple-indemnity\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;TRIPLE INDEMNITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A type of accidental death benefit coverage that pays an additional benefit equal to twice the policy's basic death benefit if the accident is sustained while the insured is a passenger in a public conveyance operated by a licensed common carrier, such as a bus, train, or airplane.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">TRIPLE INDEMNIT&Eacute;<\/a><\/li>\n<li class=\"ln-20\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/underwriter\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;UNDERWRITER&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;(1) The person who assesses and classifies the potential degree of risk that a proposed insured represents. (2) The person or organization that guarantees that money will be available to pay for losses that are insured against. In this sense, the insurance company is the underwriter.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">SOUSCRIPTEUR<\/a><\/li>\n<li class=\"ln-20\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/underwriting\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;UNDERWRITING&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;(1) The process of assessing and classifying the potential degree of risk that a proposed insured represents. Also called selection of risks. (2) Providing guarantees that money will be available to pay for losses that are insured against.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">SOUSCRIPTION<\/a><\/li>\n<li class=\"ln-20\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/universal-life-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;UNIVERSAL LIFE INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;An unbundled whole life insurance product in which the mortality, investment, and expense factors used to calculate premium rates and cash values are expressed separately in the policy. In a universal life insurance policy, any applicable expense charges are deducted from the premium and the remainder of the premium is then credited to the policy's cash value. Each month the insurer deducts the mortality and any other costs from the cash value and credits the remainder of the cash value with interest.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE VIE UNIVERSELLE<\/a><\/li>\n<li class=\"ln-21\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/variable-annuity\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;VARIABLE ANNUITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A form of annuity policy under which the amount of each benefit payment is not guaranteed and specified in the policy. The amounts of the benefit payments fluctuate according to the earnings of a separate account fund.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">RENTE VARIABLE<\/a><\/li>\n<li class=\"ln-21\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/variable-life-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;VARIABLE LIFE INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A form of whole life insurance under which the death benefit and the cash value of the policy fluctuate according to the investment performance of a separate account fund. Most variable life insurance policies guarantee that the death benefit will not fall below a specified minimum. A minimum cash value is seldom guaranteed. Because the policy owner assumes investment risk under variable life insurance policies, these products are considered securities contracts. In the United States, variable life insurance policies must be registered with the Securities and Exchange Commission (SEC), and only agents who have passed the National Association of Securities Dealers (NASD) examination may sell this product.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE VIE VARIABLE<\/a><\/li>\n<li class=\"ln-22\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/whole-life-annuity\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;WHOLE LIFE ANNUITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A mathematical term for a series of regular periodic payments, each of which is made only if a designated payee is then alive, with the payments continuing for that payee's entire life.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">RENTE VIAGER ENTIERE<\/a><\/li>\n<li class=\"ln-22\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/whole-life-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;WHOLE LIFE INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Life insurance that remains in force during the insured's entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance also builds a savings element (called the cash value) as a result of the level premium approach to funding the death benefit.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE VIE ENTIERE<\/a><\/li>\n<li class=\"ln-24\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/yearly-renewable-term-yrt-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;br \/&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;YEARLY RENEWABLE TERM (YRT) INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Term life insurance that gives the policyowner the right to continue the coverage at the end of each year. This renewal right continues for a specified number of years or until the insured reaches the age specified in the contract. Also called annually renewable term (ART) insurance.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt; &lt;encoded_tag_open \/&gt;p&lt;encoded_tag_closed \/&gt;\">ASSURANCE &Agrave; TERME RENOUVELABLE &Agrave; L&rsquo;ANN&Eacute;E (YRT)<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7982\" aria-expanded=\"false\">UNE<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7982\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7982\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-0\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/accidental-death-and-dismemberment-add-rider\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;ACCIDENTAL DEATH AND DISMEMBERMENT (AD&amp;D) RIDER&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A supplementary benefit rider or endorsement that provides for an amount of money in addition to the basic death benefit of a life insurance policy. This additional amount is payable only if the insured dies or loses any two limbs or the sight of both eyes as the result of an accident. Some AD&amp;amp;D riders pay one half of the benefit amount if the insured loses one limb or the sight in one eye.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">AVENANT D&Eacute;C&Egrave;S ET MUTILATION ACCIDENTELS (DMA)<\/a><\/li>\n<li class=\"ln-0\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/actuary\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;ACTUARY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A technical expert in life insurance, particularly in mathematics. A person in this job applies the theory of probability to calculate mortality rates, morbidity rates, lapse rates, premium rates, policy reserves, and other values.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ACTUAIRE<\/a><\/li>\n<li class=\"ln-0\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/adjustable-life-insurance-policy\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;ADJUSTABLE LIFE INSURANCE POLICY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A life insurance contract designed specifically to allow the policy owner to alter the policy's plan by changing the amount of the coverage or the amount of the premium. The insurer calculates the specific plan of insurance that can be provided based on the requested death benefit and premium. Therefore, an adjustable life insurance policy can use insurance plans that range from a term insurance policy of short duration to a limited-payment whole life insurance policy.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">POLICE D&rsquo;ASSURANCE VIE AJUSTABLE<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7983\" aria-expanded=\"false\">B<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7983\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7983\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-1\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/beneficiary\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;BENEFICIARY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The person or other party designated to receive life insurance policy proceeds. See also contingent beneficiary, irrevocable beneficiary, primary beneficiary, and revocable beneficiary.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">B&Eacute;N&Eacute;FICIAIRE<\/a><\/li>\n<li class=\"ln-1\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/benefit\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;BENEFIT&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The amount of money paid when an insurance claim is approved. Also called the policy benefit.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">AVANTAGE<\/a><\/li>\n<li class=\"ln-1\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/benefit-of-survivorship\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;BENEFIT OF SURVIVORSHIP&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Describes the fact that annuity payments will be made as long as the designated recipient is alive at the time the payment is due. This concept is used in the calculation of amounts due under life insurance settlement options.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">B&Eacute;N&Eacute;FICE DE SURVIE<\/a><\/li>\n<li class=\"ln-1\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/business-continuation-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;BUSINESS-CONTINUATION INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A type of business insurance designed to provide funds so the remaining partners in a business, or the remaining stockholders in a closely-held corporation, can buy the business interest of a deceased or disabled partner or stockholder.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE POURSUITE D&rsquo;EXPLOITATION<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7984\" aria-expanded=\"false\">C<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7984\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7984\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-2\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/cash-value\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;CASH VALUE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In a life insurance policy, the amount of money, before adjustment for factors such as policy loans or late premiums, that the policyowner will receive if the policyowner allows the policy to lapse or cancels the coverage and surrenders the policy to the insurance company. Cash values are a feature of most types of permanent life insurance, such as whole life and universal life. Also called inside build-up and policyowner's equity.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">VALEUR EN ESP&Egrave;CES<\/a><\/li>\n<li><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/acfm\/\">CIRO<\/a><\/li>\n<li class=\"ln-2\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/conversion-privilege\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;CONVERSION PRIVILEGE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;(1) The right of a person who is covered by a group insurance policy to convert his or her group coverage to coverage under an individual insurance policy. Such a conversion can be made when a person leaves the group, benefits are downgraded or terminated for a specific class, or when the group master policy is ended. (2) The right to change insurance coverage in certain prescribed situations from one type of policy to another. For example, the right to change from an individual term insurance policy to an individual whole life insurance policy.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">PRIVIL&Egrave;GE DE CONVERSION<\/a><\/li>\n<li class=\"ln-2\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/convertible-term-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;CONVERTIBLE TERM INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A type of term insurance that allows the policyowner to change the term insurance policy to a whole life policy without providing evidence of insurability. The premium rate is normally based on the age of the insured at the time of the conversion.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE TEMPORAIRE CONVERTIBLE<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"5\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7985\" aria-expanded=\"false\">E<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7985\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7985\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-4\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/estate-planning\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;ESTATE PLANNING&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;An insurance program designed not only to provide funds for the prospect's dependents upon the death of the prospect, but also to conserve, as much as possible, the personal assets that the prospect wants to bequeath to heirs. Estate planning usually involves accountants, lawyers, and the trust officers of banks, as well as insurance agents.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">PLANIFICATION SUCCESSORALE<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"6\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7986\" aria-expanded=\"false\">F<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7986\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7986\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-5\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/family-income-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;FAMILY INCOME INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A specialized individual policy that commonly combines whole life insurance with decreasing term insurance. The whole life insurance portion of the policy is usually paid as a lump sum when the insured dies. The decreasing term insurance portion of the policy provides an income for a predetermined period to help support the insured's family.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE REVENUS FAMILIAUX<\/a><\/li>\n<li class=\"ln-5\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/fiduciary\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;FIDUCIARY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A person or organization who holds, manages and has discretionary authority and control over money belonging to another person or organization, or who renders investment advice in exchange for compensation. When an insurance company manages pension funds, the insurance company is acting as a fiduciary.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">FIDUCIAIRE<\/a><\/li>\n<li class=\"ln-5\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/fraudulent-claim\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;FRAUDULENT CLAIM&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A type of claim that occurs when a claimant intentionally uses false information in an attempt to collect policy proceeds.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">R&Eacute;CLAMATION FRAUDULEUSE<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"7\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7987\" aria-expanded=\"false\">g<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7987\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7987\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-6\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/general-agent-ga\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;GENERAL AGENT (GA)&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The individual in charge of a field office of an insurer that uses the general agency distribution system. The general agent is an independent entrepreneur who is under contract to the insurer.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">AGENT G&Eacute;N&Eacute;RAL (AG)<\/a><\/li>\n<li class=\"ln-6\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/grace-period\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;GRACE PERIOD&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The length of time (usually 31 days) after a premium is due and unpaid during which the policy, including all riders, remains in force. If a premium is paid during the grace period, the premium is considered to have been paid on time.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">P&Eacute;RIODE DE GR&Acirc;CE<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"8\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7988\" aria-expanded=\"false\">je<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7988\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7988\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-8\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/impairment\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;IMPAIRMENT&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Any aspect of the health, occupation, activities, or life-style of a proposed insured that could increase his or her expected mortality or morbidity.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">D&Eacute;FICIENCE<\/a><\/li>\n<li class=\"ln-8\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/individual-retirement-account-ira\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;INDIVIDUAL RETIREMENT ACCOUNT (IRA)&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In the United States, a tax-sheltered savings plan that allows some citizens to make pre-tax contributions to an approved account. The contributions and investment earnings are taxable as income only when paid out. Investors can establish IRAs through a number of financial institutions, including insurance companies.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">COMPTE DE RETRAITE INDIVIDUEL (IRA)<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"9\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-7989\" aria-expanded=\"false\">J<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7989\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-7989\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-9\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/joint-and-survivor-annuity\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;JOINT AND SURVIVOR ANNUITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;An annuity under which a series of payments is made to two or more annuitants. The annuity payments continue until both or all of the annuitants have died. Also called a joint and last survivorship annuity.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">RENTE CONJOINTE ET DE SURVIVANT<\/a><\/li>\n<li class=\"ln-9\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/joint-and-survivorship-option\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;JOINT AND SURVIVORSHIP OPTION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A life insurance settlement option under which payments will be made to two or more payees. These payments will continue until both or all the named payees are deceased.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">OPTION CONJOINTE ET DE SURVIE<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"10\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79810\" aria-expanded=\"false\">K<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-79810\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-79810\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-10\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/key-employee\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;KEY EMPLOYEE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In pension planning in the United States, a highly paid employee who satisfies any one of four criteria relating to compensation and company ownership. The criteria are described in legislation and tax rules. The amount of benefits accrued to key employees in a pension plan, as compared to benefits accrued to other employees, is the major factor in determining whether the plan is a top-heavy employee benefit plan.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">EMPLOY&Eacute; CL&Eacute;<\/a><\/li>\n<li class=\"ln-10\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/key-person-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;KEY-PERSON INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Life insurance purchased by a business on the life of a person (usually an employee) whose continued participation in the business is necessary to the firm's success and whose death or disability would cause financial loss to the company.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE PERSONNE CL&Eacute;<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"11\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79811\" aria-expanded=\"false\">L<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-79811\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-79811\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-11\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/level-premiums\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;LEVEL PREMIUMS&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Premiums that remain the same each year that the life insurance policy is in force.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">PRIMES DE NIVEAU<\/a><\/li>\n<li class=\"ln-11\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/life-annuity-with-period-certain\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;LIFE ANNUITY WITH PERIOD CERTAIN&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A life annuity which promises that if the annuitant dies before the end of a designated period (usually 5, 10, or 20 years), the insurer will continue payments to a contingent payee until the end of the designated period. Also called a life income with period certain annuity.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">RENTE VIAG&Egrave;RE &Agrave; P&Eacute;RIODE CERTAINE<\/a><\/li>\n<li class=\"ln-11\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/life-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;LIFE INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Insurance that provides protection against the economic loss caused by the death of the person insured.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE-VIE<\/a><\/li>\n<li class=\"ln-11\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/long-term-care-ltc-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;LONG-TERM CARE (LTC) INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Coverage available on an individual or group basis to provide medical and other services to patients who need constant care in their own home or in a nursing home.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE SOINS DE LONGUE DUR&Eacute;E (SLD)<\/a><\/li>\n<li class=\"ln-11\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/long-term-disability-income-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;LONG-TERM DISABILITY INCOME INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Disability income insurance which typically provides disability income benefits that begin at the end of a specified waiting period and that continue until the earlier of the date when the insured person returns to work, dies, or becomes eligible for pension benefits.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE REVENU EN CAS D&rsquo;INVALIDIT&Eacute; DE LONGUE DUR&Eacute;E<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"12\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79812\" aria-expanded=\"false\">M<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-79812\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-79812\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-12\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/material-fact\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;MATERIAL FACT&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A fact that is relevant to an insurance company's underwriting decision regarding issuing or rating a policy.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">FAIT MAT&Eacute;RIEL<\/a><\/li>\n<li class=\"ln-12\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/material-misrepresentation\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;MATERIAL MISREPRESENTATION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In insurance, a misstatement by an applicant that is relevant to the insurer's acceptance of the risk, because, if the truth had been known, the insurer would not have issued the policy or would have issued the policy on a different basis.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">FAUSSES D&Eacute;CLARATIONS MAT&Eacute;RIELLES<\/a><\/li>\n<li class=\"ln-12\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/misrepresentation\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;MISREPRESENTATION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;(1) A false or misleading statement made to induce a prospect to purchase insurance. Misrepresentation is a prohibited insurance sales practice. (2) A false or misleading statement made by an applicant for insurance. Certain misrepresentations provide a basis for the insurer to avoid the policy.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">FAUSSE REPR&Eacute;SENTATION<\/a><\/li>\n<li class=\"ln-12\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/misstatement-of-age-provision\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;MISSTATEMENT OF AGE PROVISION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Life insurance policy wording that specifies the action the insurer will take if, at the insured's death, the insurer discovers that the insured's age was misstated in the application and the misstatement has resulted in an incorrect premium for the amount of insurance purchased. In an individual life insurance policy, this provision specifies that the policy's benefit amount will be adjusted. In a group insurance policy, this provision generally specifies that the policy's premium amount will be adjusted.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">D&Eacute;CLARATION ERRON&Eacute;E DE LA DISPOSITION D&rsquo;&Acirc;GE<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"13\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79813\" aria-expanded=\"false\">N<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-79813\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-79813\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-13\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/nonsmoker-risk-class\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;NONSMOKER RISK CLASS&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;An underwriting risk class that includes people who are standard risks and who have not smoked cigarettes for a specified period of time, usually 12 months, before applying for insurance. People in the nonsmoker risk class pay lower than standard premiums.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">CAT&Eacute;GORIE DE RISQUE NON-FUMEUR<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"14\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79814\" aria-expanded=\"false\">P<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-79814\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-79814\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/partial-disability\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;PARTIAL DISABILITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A disability that prevents an insured from engaging in some of the duties of his or her usual occupation or from engaging in the occupation on a full-time basis.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">INVALIDIT&Eacute; PARTIELLE<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/partial-disability-benefit\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;PARTIAL DISABILITY BENEFIT&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A flat amount specified in a disability income insurance policy that is payable when the insured suffers a partial disability. Usually the partial disability benefit is half the full disability benefit.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">PRESTATION D&rsquo;INVALIDIT&Eacute; PARTIELLE<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/partnership-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;PARTNERSHIP INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A type of business insurance designed to provide funds so the remaining partners in a business can buy the business interest of a deceased or disabled partner. See also business-continuation insurance.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE PARTENARIAT<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/payee\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;PAYEE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The person to whom benefits are payable under a supplementary contract.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">B&Eacute;N&Eacute;FICIAIRE<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/policy\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;POLICY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A written document that serves as evidence of an insurance contract and contains the pertinent facts about the policyowner, the insurance coverage, the insured, and the insurer.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">POLITIQUE<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/premium\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;PREMIUM&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The payment, or one of a series of payments, required by the insurer to put an insurance policy in force and keep it in force.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">PRIME<\/a><\/li>\n<li class=\"ln-15\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/primary-beneficiary\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;PRIMARY BENEFICIARY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The party or parties who have first rights to receive policy benefits when the benefits of an insurance policy become payable.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">B&Eacute;N&Eacute;FICIAIRE PRINCIPAL<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"15\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79815\" aria-expanded=\"false\">R<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-79815\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"15\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-79815\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-17\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/registered-representative\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;REGISTERED REPRESENTATIVE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Any person who is licensed with the National Association of Securities Dealers and who is engaged either in selling securities as the agent or representative of a broker-dealer or in training the sales persons associated with a broker-dealer.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">REPR&Eacute;SENTANT ENREGISTR&Eacute;<\/a><\/li>\n<li class=\"ln-17\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/reinstatement\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;REINSTATEMENT&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;The process by which a life insurance company puts back in force a policy that had lapsed because of nonpayment of renewal premiums.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">R&Eacute;INT&Eacute;GRATION<\/a><\/li>\n<li class=\"ln-17\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/reinsurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;REINSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A transaction between two insurance companies in which one company purchases insurance from the other to cover part or all of the risks that the first company does not wish to retain in full.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">R&Eacute;ASSURANCE<\/a><\/li>\n<li class=\"ln-17\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/renewal-premiums\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;RENEWAL PREMIUMS&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Premiums payable after the initial premium.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">PRIMES DE RENOUVELLEMENT<\/a><\/li>\n<li class=\"ln-17\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/renewal-provision\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;RENEWAL PROVISION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;(1) An individual life insurance policy provision that gives the policyowner the right to continue the insurance coverage at the end of the specified term without submitting evidence of continued insurability. (2) A provision in an individual health insurance policy describing the circumstances under which the insurance company may refuse to renew the coverage, may cancel the coverage, or may increase the policy's premium rate.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">DISPOSITION DE RENOUVELLEMENT<\/a><\/li>\n<li class=\"ln-17\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/risk-class\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;RISK CLASS&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A group of insureds who present a substantially similar risk to the insurance company. Among the most common risk classes used by life insurance companies are standard, preferred, nonsmoker, substandard, and uninsurable.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">CLASSE DE RISQUE<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"16\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79816\" aria-expanded=\"false\">S<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-79816\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"16\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-79816\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-18\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/social-security\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;SOCIAL SECURITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In the United States, a program of the United States federal government that provides retirement income, health care for the aged, and disability coverage for eligible workers and their dependents.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">S&Eacute;CURIT&Eacute; SOCIALE<\/a><\/li>\n<li class=\"ln-18\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/social-security-disability-income-ssdi\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;SOCIAL SECURITY DISABILITY INCOME (SSDI)&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In the United States, a long-term disability income program that provides benefits to disabled workers who are under age 65 and who have paid a specified amount of Social Security tax for a prescribed number of quarter-year periods.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">REVENU D&rsquo;INVALIDIT&Eacute; DE LA S&Eacute;CURIT&Eacute; SOCIALE (RSSDI)<\/a><\/li>\n<li class=\"ln-18\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/sole-proprietorship-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;SOLE PROPRIETORSHIP INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Insurance on the life of the sole proprietor of a business. Sole proprietorship insurance is used either to pay the salary of someone hired to run the business after the owner's death or disablement or to compensate the owner's family for the loss of potential income due to the failure of the business after the owner's death or disability.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE ENTREPRISE INDIVIDUELLE<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"17\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79817\" aria-expanded=\"false\">J<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-79817\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"17\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-79817\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-19\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/term-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;TERM INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Life insurance under which the benefit is payable only if the insured dies during a specified period. See also convertible term insurance, credit life insurance, decreasing term insurance, deposit term insurance, family income insurance, increasing term insurance, level term insurance, mortgage redemption insurance, and renewable term insurance.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE TEMPORAIRE<\/a><\/li>\n<li class=\"ln-19\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/testamentary-disposition\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;TESTAMENTARY DISPOSITION&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;In life insurance, the use of a will to indicate the person or party to whom the proceeds of a life insurance policy should be distributed.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">DISPOSITION TESTAMENTAIRE<\/a><\/li>\n<li class=\"ln-19\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/total-disability\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;TOTAL DISABILITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;When a disability begins, it is typically considered a \" total disability if it prevents an insured person from performing the essential duties of his or her regular occupation. under many insurance policies definition changes at end a specified period after begins usually two years. therefore insureds are considered totally disabled only their disabilities prevent them working any occupation for which they reasonably fitted by education training experience.>INVALIDIT&Eacute; TOTALE<\/a><\/li>\n<li class=\"ln-19\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/triple-indemnity\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;TRIPLE INDEMNITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A type of accidental death benefit coverage that pays an additional benefit equal to twice the policy's basic death benefit if the accident is sustained while the insured is a passenger in a public conveyance operated by a licensed common carrier, such as a bus, train, or airplane.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">TRIPLE INDEMNIT&Eacute;<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"18\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79818\" aria-expanded=\"false\">tu<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-79818\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"18\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-79818\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-20\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/underwriter\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;UNDERWRITER&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;(1) The person who assesses and classifies the potential degree of risk that a proposed insured represents. (2) The person or organization that guarantees that money will be available to pay for losses that are insured against. In this sense, the insurance company is the underwriter.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">SOUSCRIPTEUR<\/a><\/li>\n<li class=\"ln-20\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/underwriting\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;UNDERWRITING&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;(1) The process of assessing and classifying the potential degree of risk that a proposed insured represents. Also called selection of risks. (2) Providing guarantees that money will be available to pay for losses that are insured against.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">SOUSCRIPTION<\/a><\/li>\n<li class=\"ln-20\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/universal-life-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;UNIVERSAL LIFE INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;An unbundled whole life insurance product in which the mortality, investment, and expense factors used to calculate premium rates and cash values are expressed separately in the policy. In a universal life insurance policy, any applicable expense charges are deducted from the premium and the remainder of the premium is then credited to the policy's cash value. Each month the insurer deducts the mortality and any other costs from the cash value and credits the remainder of the cash value with interest.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE VIE UNIVERSELLE<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"19\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79819\" aria-expanded=\"false\">V<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-79819\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"19\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-79819\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-21\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/variable-annuity\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;VARIABLE ANNUITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A form of annuity policy under which the amount of each benefit payment is not guaranteed and specified in the policy. The amounts of the benefit payments fluctuate according to the earnings of a separate account fund.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">RENTE VARIABLE<\/a><\/li>\n<li class=\"ln-21\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/variable-life-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;VARIABLE LIFE INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A form of whole life insurance under which the death benefit and the cash value of the policy fluctuate according to the investment performance of a separate account fund. Most variable life insurance policies guarantee that the death benefit will not fall below a specified minimum. A minimum cash value is seldom guaranteed. Because the policy owner assumes investment risk under variable life insurance policies, these products are considered securities contracts. In the United States, variable life insurance policies must be registered with the Securities and Exchange Commission (SEC), and only agents who have passed the National Association of Securities Dealers (NASD) examination may sell this product.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE VIE VARIABLE<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"20\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79820\" aria-expanded=\"false\">O<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-79820\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"20\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-79820\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-22\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/whole-life-annuity\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;WHOLE LIFE ANNUITY&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;A mathematical term for a series of regular periodic payments, each of which is made only if a designated payee is then alive, with the payments continuing for that payee's entire life.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">RENTE VIAGER ENTIERE<\/a><\/li>\n<li class=\"ln-22\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/whole-life-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;WHOLE LIFE INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Life insurance that remains in force during the insured's entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance also builds a savings element (called the cash value) as a result of the level premium approach to funding the death benefit.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE VIE ENTIERE<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"21\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-79821\" aria-expanded=\"false\">Oui<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-79821\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"21\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-79821\" tabindex=\"0\" hidden=\"hidden\"><ul id=\"glossaryList\" class=\"glossaryList\" role=\"tablist\">\n<li class=\"ln-24\"><a class=\"glossaryLinkMain \" style=\"box-sizing: inherit; border: 0px #e6e6e6; outline: 0px; vertical-align: baseline; background: transparent; margin: 0px; padding: 0px; text-decoration: none; transition: background 300ms ease 0s, color 300ms ease 0s, border-color 300ms ease 0s; color: #8c7058;\" role=\"tab\" href=\"https:\/\/sentinel.advisornet.org\/index.php\/index.php\/glossary\/yearly-renewable-term-yrt-insurance\/\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;encoded_tag_open \/&gt;div class=glossaryItemTitle&lt;encoded_tag_closed \/&gt;YEARLY RENEWABLE TERM (YRT) INSURANCE&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;&lt;encoded_tag_open \/&gt;div class=glossaryItemBody&lt;encoded_tag_closed \/&gt;Term life insurance that gives the policyowner the right to continue the coverage at the end of each year. This renewal right continues for a specified number of years or until the insured reaches the age specified in the contract. Also called annually renewable term (ART) insurance.&lt;encoded_tag_open \/&gt;\/div&lt;encoded_tag_closed \/&gt;\">ASSURANCE &Agrave; TERME RENOUVELABLE &Agrave; L&rsquo;ANN&Eacute;E (YRT)<\/a><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fe33bd4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe33bd4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d4d5264\" data-id=\"d4d5264\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c235907 elementor-widget elementor-widget-shortcode\" data-id=\"c235907\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">Confus par les termes financiers ou d'<a class=\"glossaryLink\"  aria-describedby=\"tt\"  data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE-VIE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Assurance qui offre une protection contre la perte &eacute;conomique caus&eacute;e par le d&eacute;c&egrave;s de la personne assur&eacute;e.&lt;\/div&gt;\"  href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-vie\/\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]'  tabindex='0' role='link'>assurance-vie<\/a> que vous avez entendus ou lus ? Utilisez ensuite notre glossaire d&eacute;taill&eacute; pour les d&eacute;finitions des termes.\n<div class=\"cm-glossary\"><div class=\"glossary-container \"><input type=\"hidden\" class=\"cmtt-attribute-field\" name=\"glossary_index_style\" value=\"classic\"><div id=\"glossaryList-nav\" class=\"listNav small\" role=\"tablist\"><\/div><ul class=\"glossaryList\" role=\"tablist\" id=\"glossaryList\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTermSet\"><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/acfm\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;CIRO&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;L&amp;#039;Organisme canadien de r&eacute;glementation des investissements (OCRI) est l&amp;#039;organisme national d&amp;#039;autor&eacute;glementation (OAR) du secteur de la distribution de l&amp;#039;industrie canadienne de l&amp;#039;investissement. Le CIRO est structur&eacute; comme une soci&eacute;t&eacute; &agrave; but non lucratif et ses membres sont des courtiers en valeurs mobili&egrave;res agr&eacute;&eacute;s par les commissions provinciales des valeurs mobili&egrave;res.&lt;\/div&gt;\"><span itemprop=\"name\">CIRO<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/actuaire\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ACTUAIRE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Expert technique en assurance-vie, notamment en math&eacute;matiques. Une personne occupant ce poste applique la th&eacute;orie des probabilit&eacute;s pour calculer les taux de mortalit&eacute;, les taux de morbidit&eacute;, les taux de d&eacute;ch&eacute;ance, les taux de prime, les r&eacute;serves de police et d&amp;#039;autres valeurs.&lt;\/div&gt;\"><span itemprop=\"name\">ACTUAIRE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/agent-general-ag\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;AGENT G&Eacute;N&Eacute;RAL (AG)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;La personne responsable d&amp;#039;un bureau ext&eacute;rieur d&amp;#039;un assureur qui utilise le syst&egrave;me de distribution des agences g&eacute;n&eacute;rales. L&amp;#039;agent g&eacute;n&eacute;ral est un entrepreneur ind&eacute;pendant qui est sous contrat avec l&amp;#039;assureur.&lt;\/div&gt;\"><span itemprop=\"name\">AGENT G&Eacute;N&Eacute;RAL (AG)<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-a-terme-renouvelable-a-lannee-yrt\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE &Agrave; TERME RENOUVELABLE &Agrave; L&amp;rsquo;ANN&Eacute;E (YRT)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Assurance-vie temporaire qui donne au titulaire du contrat le droit de continuer la couverture &agrave; la fin de chaque ann&eacute;e. Ce droit de renouvellement se poursuit pendant un certain nombre d&amp;#039;ann&eacute;es ou jusqu&amp;#039;&agrave; ce que l&amp;#039;assur&eacute; atteigne l&amp;#039;&acirc;ge sp&eacute;cifi&eacute; dans le contrat. Aussi appel&eacute;e assurance temporaire renouvelable annuellement (ART).&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE &Agrave; TERME RENOUVELABLE &Agrave; L'ANN&Eacute;E (YRT)<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-entreprise-individuelle\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE ENTREPRISE INDIVIDUELLE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Assurance sur la vie du propri&eacute;taire unique d&amp;#039;une entreprise. L&amp;#039;assurance entreprise individuelle sert soit &agrave; payer le salaire d&amp;#039;une personne engag&eacute;e pour diriger l&amp;#039;entreprise apr&egrave;s le d&eacute;c&egrave;s ou l&amp;#039;invalidit&eacute; du propri&eacute;taire, soit &agrave; indemniser la famille du propri&eacute;taire pour la perte de revenus potentiels due &agrave; la faillite de l&amp;#039;entreprise apr&egrave;s le d&eacute;c&egrave;s ou l&amp;#039;invalidit&eacute; du propri&eacute;taire.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE ENTREPRISE INDIVIDUELLE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-partenariat\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE PARTENARIAT&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Type d&amp;#039;assurance commerciale con&ccedil;ue pour fournir des fonds afin que les associ&eacute;s restants d&amp;#039;une entreprise puissent acheter la participation commerciale d&amp;#039;un associ&eacute; d&eacute;c&eacute;d&eacute; ou invalide. Voir aussi assurance poursuite d&amp;#039;activit&eacute;.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE PARTENARIAT<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-personne-cle\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE PERSONNE CL&Eacute;&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Assurance-vie souscrite par une entreprise sur la t&ecirc;te d&amp;#039;une personne (g&eacute;n&eacute;ralement un employ&eacute;) dont la participation continue &agrave; l&amp;#039;entreprise est n&eacute;cessaire au succ&egrave;s de l&amp;#039;entreprise et dont le d&eacute;c&egrave;s ou l&amp;#039;invalidit&eacute; entra&icirc;nerait une perte financi&egrave;re pour l&amp;#039;entreprise.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE PERSONNE CL&Eacute;<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-poursuite-dexploitation\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE POURSUITE D&amp;rsquo;EXPLOITATION&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Type d&amp;#039;assurance commerciale con&ccedil;ue pour fournir des fonds afin que les associ&eacute;s restants d&amp;#039;une entreprise, ou les actionnaires restants d&amp;#039;une soci&eacute;t&eacute; &agrave; actionnariat restreint, puissent acheter les int&eacute;r&ecirc;ts commerciaux d&amp;#039;un associ&eacute; ou d&amp;#039;un actionnaire d&eacute;c&eacute;d&eacute; ou invalide.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE POURSUITE D'EXPLOITATION<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-revenu-en-cas-dinvalidite-de-longue-duree\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE REVENU EN CAS D&amp;rsquo;INVALIDIT&Eacute; DE LONGUE DUR&Eacute;E&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Assurance revenu d&amp;#039;invalidit&eacute; qui fournit g&eacute;n&eacute;ralement des prestations de revenu d&amp;#039;invalidit&eacute; qui commencent &agrave; la fin d&amp;#039;une p&eacute;riode d&amp;#039;attente sp&eacute;cifi&eacute;e et qui se poursuivent jusqu&amp;#039;&agrave; la date &agrave; laquelle la personne assur&eacute;e retourne au travail, d&eacute;c&egrave;de ou devient admissible &agrave; des prestations de retraite.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE REVENU EN CAS D'INVALIDIT&Eacute; DE LONGUE DUR&Eacute;E<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-revenus-familiaux\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE REVENUS FAMILIAUX&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Une police individuelle sp&eacute;cialis&eacute;e qui combine g&eacute;n&eacute;ralement une assurance vie enti&egrave;re avec une assurance temporaire d&eacute;croissante. La partie assurance-vie enti&egrave;re de la police est g&eacute;n&eacute;ralement vers&eacute;e sous forme de somme forfaitaire au d&eacute;c&egrave;s de l&amp;#039;assur&eacute;. La portion d&amp;#039;assurance temporaire d&eacute;croissante de la police procure un revenu pendant une p&eacute;riode pr&eacute;d&eacute;termin&eacute;e pour aider &agrave; subvenir aux besoins de la famille de l&amp;#039;assur&eacute;.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE REVENUS FAMILIAUX<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-soins-de-longue-duree-sld\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE SOINS DE LONGUE DUR&Eacute;E (SLD)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Couverture disponible sur une base individuelle ou de groupe pour fournir des services m&eacute;dicaux et autres aux patients qui ont besoin de soins constants &agrave; leur domicile ou dans une maison de retraite.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE SOINS DE LONGUE DUR&Eacute;E (SLD)<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-temporaire\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE TEMPORAIRE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Assurance-vie en vertu de laquelle la prestation n&amp;#039;est payable que si l&amp;#039;assur&eacute; d&eacute;c&egrave;de au cours d&amp;#039;une p&eacute;riode d&eacute;termin&eacute;e. Voir aussi assurance temporaire convertible, assurance vie cr&eacute;dit, assurance temporaire d&eacute;croissante, assurance temporaire des d&eacute;p&ocirc;ts, assurance revenu familial, assurance temporaire croissante, assurance temporaire nivel&eacute;e, assurance rachat de pr&ecirc;t hypoth&eacute;caire et assurance temporaire renouvelable.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE TEMPORAIRE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-temporaire-convertible\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE TEMPORAIRE CONVERTIBLE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Type d&amp;#039;assurance temporaire qui permet au propri&eacute;taire de la police de transformer la police d&amp;#039;assurance temporaire en une police d&amp;#039;assurance vie enti&egrave;re sans fournir de preuve d&amp;#039;assurabilit&eacute;. Le taux de prime est normalement bas&eacute; sur l&amp;#039;&acirc;ge de l&amp;#039;assur&eacute; au moment de la transformation.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE TEMPORAIRE CONVERTIBLE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-vie\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE-VIE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Assurance qui offre une protection contre la perte &eacute;conomique caus&eacute;e par le d&eacute;c&egrave;s de la personne assur&eacute;e.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE-VIE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-vie-entiere\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE VIE ENTIERE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Assurance-vie qui reste en vigueur pendant toute la vie de l&amp;#039;assur&eacute;, &agrave; condition que les primes soient pay&eacute;es comme sp&eacute;cifi&eacute; dans la police. L&amp;#039;assurance vie enti&egrave;re cr&eacute;e &eacute;galement un &eacute;l&eacute;ment d&amp;#039;&eacute;pargne (appel&eacute; la valeur de rachat) en raison de l&amp;#039;approche de la prime nivel&eacute;e pour financer la prestation de d&eacute;c&egrave;s.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE VIE ENTIERE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-vie-universelle\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE VIE UNIVERSELLE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Un produit d&amp;#039;assurance vie enti&egrave;re non group&eacute; dans lequel les facteurs de mortalit&eacute;, d&amp;#039;investissement et de d&eacute;penses utilis&eacute;s pour calculer les taux de prime et les valeurs de rachat sont exprim&eacute;s s&eacute;par&eacute;ment dans la police. Dans une police d&amp;#039;assurance vie universelle, tous les frais applicables sont d&eacute;duits de la prime et le reste de la prime est ensuite cr&eacute;dit&eacute; &agrave; la valeur de rachat de la police. Chaque mois, l&amp;#039;assureur d&eacute;duit la mortalit&eacute; et tout autre co&ucirc;t de la valeur de rachat et cr&eacute;dite le reste de la valeur de rachat avec int&eacute;r&ecirc;ts.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE VIE UNIVERSELLE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-vie-variable\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE VIE VARIABLE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Une forme d&amp;#039;assurance vie enti&egrave;re en vertu de laquelle le capital-d&eacute;c&egrave;s et la valeur de rachat de la police fluctuent en fonction du rendement des placements d&amp;#039;un fonds de compte distinct. La plupart des polices d&amp;#039;assurance-vie variables garantissent que le capital-d&eacute;c&egrave;s ne tombera pas en dessous d&amp;#039;un minimum sp&eacute;cifi&eacute;. Une valeur de rachat minimale est rarement garantie. &Eacute;tant donn&eacute; que le propri&eacute;taire du contrat assume le risque de placement dans le cadre des contrats d&amp;#039;assurance-vie &agrave; capital variable, ces produits sont consid&eacute;r&eacute;s comme des contrats sur titres. Aux &Eacute;tats-Unis, les polices d&amp;#039;assurance-vie &agrave; capital variable doivent &ecirc;tre enregistr&eacute;es aupr&egrave;s de la Securities and Exchange Commission (SEC) et seuls les agents qui ont r&eacute;ussi l&amp;#039;examen de la National Association of Securities Dealers (NASD) peuvent vendre ce produit.&lt;\/div&gt;\"><span itemprop=\"name\">ASSURANCE VIE VARIABLE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/avantage\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;AVANTAGE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Le montant d&amp;#039;argent pay&eacute; lorsqu&amp;#039;une r&eacute;clamation d&amp;#039;assurance est approuv&eacute;e. Aussi appel&eacute; l&amp;#039;avantage de la politique.&lt;\/div&gt;\"><span itemprop=\"name\">AVANTAGE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/avenant-deces-et-mutilation-accidentels-dma\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;AVENANT D&Eacute;C&Egrave;S ET MUTILATION ACCIDENTELS (DMA)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Avenant ou avenant de prestation suppl&eacute;mentaire qui pr&eacute;voit une somme d&amp;#039;argent en plus de la prestation de d&eacute;c&egrave;s de base d&amp;#039;une police d&amp;#039;assurance-vie. Ce montant suppl&eacute;mentaire n&amp;#039;est payable que si l&amp;#039;assur&eacute; d&eacute;c&egrave;de ou perd deux membres ou la vue des deux yeux &agrave; la suite d&amp;#039;un accident. Certains avenants AD&amp;amp;amp;D paient la moiti&eacute; du montant de l&amp;#039;indemnit&eacute; si l&amp;#039;assur&eacute; perd un membre ou la vue d&amp;#039;un &oelig;il.&lt;\/div&gt;\"><span itemprop=\"name\">AVENANT D&Eacute;C&Egrave;S ET MUTILATION ACCIDENTELS (DMA)<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/benefice-de-survie\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;B&Eacute;N&Eacute;FICE DE SURVIE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;D&eacute;crit le fait que les paiements de rente seront effectu&eacute;s tant que le b&eacute;n&eacute;ficiaire d&eacute;sign&eacute; est vivant au moment o&ugrave; le paiement est d&ucirc;. Ce concept est utilis&eacute; dans le calcul des montants dus en vertu des options de r&egrave;glement d&amp;#039;assurance-vie.&lt;\/div&gt;\"><span itemprop=\"name\">B&Eacute;N&Eacute;FICE DE SURVIE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/beneficiaire\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;B&Eacute;N&Eacute;FICIAIRE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;La personne ou l&amp;#039;autre partie d&eacute;sign&eacute;e pour recevoir le produit de la police d&amp;#039;assurance-vie. Voir aussi b&eacute;n&eacute;ficiaire subsidiaire, b&eacute;n&eacute;ficiaire irr&eacute;vocable, b&eacute;n&eacute;ficiaire principal et b&eacute;n&eacute;ficiaire r&eacute;vocable.&lt;\/div&gt;\"><span itemprop=\"name\">B&Eacute;N&Eacute;FICIAIRE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/beneficiaire-2\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;B&Eacute;N&Eacute;FICIAIRE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;La personne &agrave; qui des prestations sont dues en vertu d&amp;#039;un contrat compl&eacute;mentaire.&lt;\/div&gt;\"><span itemprop=\"name\">B&Eacute;N&Eacute;FICIAIRE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/beneficiaire-principal\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;B&Eacute;N&Eacute;FICIAIRE PRINCIPAL&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;La partie ou les parties qui ont le premier droit de recevoir les prestations de la police lorsque les prestations d&amp;#039;une police d&amp;#039;assurance deviennent exigibles.&lt;\/div&gt;\"><span itemprop=\"name\">B&Eacute;N&Eacute;FICIAIRE PRINCIPAL<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/categorie-de-risque-non-fumeur\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;CAT&Eacute;GORIE DE RISQUE NON-FUMEUR&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Une cat&eacute;gorie de risque de souscription qui comprend les personnes qui pr&eacute;sentent des risques standard et qui n&amp;#039;ont pas fum&eacute; de cigarettes pendant une p&eacute;riode de temps sp&eacute;cifi&eacute;e, g&eacute;n&eacute;ralement 12 mois, avant de souscrire &agrave; une assurance. Les personnes appartenant &agrave; la classe de risque des non-fumeurs paient des primes inf&eacute;rieures aux primes standard.&lt;\/div&gt;\"><span itemprop=\"name\">CAT&Eacute;GORIE DE RISQUE NON-FUMEUR<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/classe-de-risque\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;CLASSE DE RISQUE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Un groupe d&amp;#039;assur&eacute;s qui pr&eacute;sentent un risque substantiellement similaire &agrave; la compagnie d&amp;#039;assurance. Parmi les classes de risque les plus couramment utilis&eacute;es par les compagnies d&amp;#039;assurance-vie, on trouve les cat&eacute;gories standard, pr&eacute;f&eacute;r&eacute;e, non-fumeur, inf&eacute;rieure &agrave; la norme et non assurable.&lt;\/div&gt;\"><span itemprop=\"name\">CLASSE DE RISQUE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/compte-de-retraite-individuel-ira\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;COMPTE DE RETRAITE INDIVIDUEL (IRA)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Aux &Eacute;tats-Unis, un r&eacute;gime d&amp;#039;&eacute;pargne &agrave; l&amp;#039;abri de l&amp;#039;imp&ocirc;t qui permet &agrave; certains citoyens de verser des cotisations avant imp&ocirc;t sur un compte approuv&eacute;. Les cotisations et les revenus de placement ne sont imposables &agrave; titre de revenu que lorsqu&amp;#039;ils sont vers&eacute;s. Les investisseurs peuvent &eacute;tablir des IRA par l&amp;#039;interm&eacute;diaire d&amp;#039;un certain nombre d&amp;#039;institutions financi&egrave;res, y compris des compagnies d&amp;#039;assurance.&lt;\/div&gt;\"><span itemprop=\"name\">COMPTE DE RETRAITE INDIVIDUEL (IRA)<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/declaration-erronee-de-la-disposition-dage\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;D&Eacute;CLARATION ERRON&Eacute;E DE LA DISPOSITION D&amp;rsquo;&Acirc;GE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Libell&eacute; de la police d&amp;#039;assurance-vie qui pr&eacute;cise les mesures que l&amp;#039;assureur prendra si, au d&eacute;c&egrave;s de l&amp;#039;assur&eacute;, l&amp;#039;assureur d&eacute;couvre que l&amp;#039;&acirc;ge de l&amp;#039;assur&eacute; a &eacute;t&eacute; inexact dans la proposition et que l&amp;#039;inexactitude a entra&icirc;n&eacute; une prime incorrecte pour le montant d&amp;#039;assurance souscrit. Dans un contrat d&amp;#039;assurance-vie individuelle, cette disposition pr&eacute;cise que le montant de la prestation du contrat sera ajust&eacute;. Dans une police d&amp;#039;assurance collective, cette disposition pr&eacute;cise g&eacute;n&eacute;ralement que le montant de la prime de la police sera ajust&eacute;.&lt;\/div&gt;\"><span itemprop=\"name\">D&Eacute;CLARATION ERRON&Eacute;E DE LA DISPOSITION D'&Acirc;GE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/deductible\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;D&Eacute;DUCTIBLE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Un montant forfaitaire qu&amp;#039;un assur&eacute; doit payer avant que la compagnie d&amp;#039;assurance ne proc&egrave;de &agrave; des paiements de prestations dans le cadre d&amp;#039;une police d&amp;#039;assurance maladie. Aussi appel&eacute; montant d&eacute;ductible ou franchise initiale.&lt;\/div&gt;\"><span itemprop=\"name\">D&Eacute;DUCTIBLE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/deficience\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;D&Eacute;FICIENCE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Tout aspect de la sant&eacute;, de la profession, des activit&eacute;s ou du mode de vie d&amp;#039;une personne &agrave; assurer qui pourrait augmenter sa mortalit&eacute; ou sa morbidit&eacute; pr&eacute;vue.&lt;\/div&gt;\"><span itemprop=\"name\">D&Eacute;FICIENCE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/demutualisation\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;DEMUTUALISATION&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Le processus de transformation d&amp;#039;une soci&eacute;t&eacute; d&amp;#039;assurance mutuelle en une soci&eacute;t&eacute; d&amp;#039;assurance par actions.&lt;\/div&gt;\"><span itemprop=\"name\">DEMUTUALISATION<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/disposition-de-renouvellement\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;DISPOSITION DE RENOUVELLEMENT&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;(1) Une disposition d&amp;#039;une police d&amp;#039;assurance-vie individuelle qui donne au preneur le droit de continuer la couverture d&amp;#039;assurance &agrave; la fin de la dur&eacute;e sp&eacute;cifi&eacute;e sans pr&eacute;senter de preuve d&amp;#039;assurabilit&eacute; continue. (2) Une disposition dans une police d&amp;#039;assurance maladie individuelle d&eacute;crivant les circonstances dans lesquelles la compagnie d&amp;#039;assurance peut refuser de renouveler la couverture, peut annuler la couverture ou peut augmenter le taux de prime de la police.&lt;\/div&gt;\"><span itemprop=\"name\">DISPOSITION DE RENOUVELLEMENT<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/disposition-testamentaire\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;DISPOSITION TESTAMENTAIRE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;En assurance-vie, utilisation d&amp;#039;un testament pour indiquer la personne ou la partie &agrave; qui le produit d&amp;#039;une police d&amp;#039;assurance-vie doit &ecirc;tre distribu&eacute;.&lt;\/div&gt;\"><span itemprop=\"name\">DISPOSITION TESTAMENTAIRE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/double-indemnite\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;DOUBLE INDEMNIT&Eacute;&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Couverture au capital-d&eacute;c&egrave;s qui verse une prestation suppl&eacute;mentaire &eacute;gale au capital-d&eacute;c&egrave;s de base de la police si le d&eacute;c&egrave;s de l&amp;#039;assur&eacute; est accidentel.&lt;\/div&gt;\"><span itemprop=\"name\">DOUBLE INDEMNIT&Eacute;<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/employe-cle\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;EMPLOY&Eacute; CL&Eacute;&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Dans la planification des retraites aux &Eacute;tats-Unis, un employ&eacute; tr&egrave;s bien r&eacute;mun&eacute;r&eacute; qui satisfait &agrave; l&amp;#039;un des quatre crit&egrave;res relatifs &agrave; la r&eacute;mun&eacute;ration et &agrave; la propri&eacute;t&eacute; de l&amp;#039;entreprise. Les crit&egrave;res sont d&eacute;crits dans la l&eacute;gislation et les r&egrave;gles fiscales. Le montant des prestations accumul&eacute;es par les employ&eacute;s cl&eacute;s d&amp;#039;un r&eacute;gime de retraite, par rapport aux prestations accumul&eacute;es par les autres employ&eacute;s, est le principal facteur permettant de d&eacute;terminer si le r&eacute;gime est un r&eacute;gime d&amp;#039;avantages sociaux tr&egrave;s lourd.&lt;\/div&gt;\"><span itemprop=\"name\">EMPLOY&Eacute; CL&Eacute;<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/etfs-exchange-traded-funds\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ETFs (Exchange Traded Funds)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;&amp;lt;!-- wp:paragraph {&amp;quot;translatedWithWPMLTM&amp;quot;:&amp;quot;1&amp;quot;} --&amp;gt;Les ETF sont un v&eacute;hicule d&amp;#039;investissement flexible qui peut &ecirc;tre utilis&eacute; au sein d&amp;#039;un portefeuille pour r&eacute;pondre &agrave; une vari&eacute;t&eacute; de besoins et d&amp;#039;objectifs.&amp;lt;br\/&amp;gt;&amp;lt;!-- \/wp:paragraph --&amp;gt;&amp;lt;!-- wp:paragraph {&amp;quot;translatedWithWPMLTM&amp;quot;:&amp;quot;1&amp;quot;} --&amp;gt;&Agrave; l&amp;#039;instar d&amp;#039;un fonds commun de placement, les ETF permettent d&amp;#039;acc&eacute;der &agrave; un portefeuille diversifi&eacute; d&amp;#039;actions ou d&amp;#039;obligations en un seul investissement, mais ils peuvent &ecirc;tre n&eacute;goci&eacute;s en bourse comme des actions.&amp;lt;br\/&amp;gt;&amp;lt;!-- \/wp:paragraph --&amp;gt;&amp;lt;!-- wp:paragraph {&amp;quot;translatedWithWPMLTM&amp;quot;:&amp;quot;1&amp;quot;} --&amp;gt;Plus d&amp;#039;informations&amp;lt;br\/&amp;gt;&amp;lt;!-- \/wp:paragraph --&amp;gt;&amp;lt;!-- wp:paragraph --&amp;gt;&amp;lt;br\/&amp;gt;&amp;lt;!-- \/wp:paragraph --&amp;gt;&lt;\/div&gt;\"><span itemprop=\"name\">ETFs (Exchange Traded Funds)<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/fait-materiel\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;FAIT MAT&Eacute;RIEL&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Un fait pertinent pour la d&eacute;cision de souscription d&amp;#039;une compagnie d&amp;#039;assurance concernant l&amp;#039;&eacute;mission ou la tarification d&amp;#039;une police.&lt;\/div&gt;\"><span itemprop=\"name\">FAIT MAT&Eacute;RIEL<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/fausse-representation\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;FAUSSE REPR&Eacute;SENTATION&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;(1) Une d&eacute;claration fausse ou trompeuse faite pour inciter un prospect &agrave; souscrire une assurance. La fausse d&eacute;claration est une pratique de vente d&amp;#039;assurance interdite. (2) Une d&eacute;claration fausse ou trompeuse faite par un demandeur d&amp;#039;assurance. Certaines fausses d&eacute;clarations permettent &agrave; l&amp;#039;assureur d&amp;#039;&eacute;viter la police.&lt;\/div&gt;\"><span itemprop=\"name\">FAUSSE REPR&Eacute;SENTATION<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/fausses-declarations-materielles\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;FAUSSES D&Eacute;CLARATIONS MAT&Eacute;RIELLES&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;En assurance, fausse d&eacute;claration d&amp;#039;un proposant qui est pertinente pour l&amp;#039;acceptation du risque par l&amp;#039;assureur, car si la v&eacute;rit&eacute; avait &eacute;t&eacute; connue, l&amp;#039;assureur n&amp;#039;aurait pas &eacute;mis la police ou aurait &eacute;mis la police sur une base diff&eacute;rente.&lt;\/div&gt;\"><span itemprop=\"name\">FAUSSES D&Eacute;CLARATIONS MAT&Eacute;RIELLES<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/fiduciaire\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;FIDUCIAIRE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Une personne ou une organisation qui d&eacute;tient, g&egrave;re et exerce un pouvoir et un contr&ocirc;le discr&eacute;tionnaires sur des fonds appartenant &agrave; une autre personne ou organisation, ou qui fournit des conseils en investissement en &eacute;change d&amp;#039;une r&eacute;mun&eacute;ration. Lorsqu&amp;#039;une compagnie d&amp;#039;assurance g&egrave;re des fonds de pension, la compagnie d&amp;#039;assurance agit en tant que fiduciaire.&lt;\/div&gt;\"><span itemprop=\"name\">FIDUCIAIRE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/invalidite-partielle\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;INVALIDIT&Eacute; PARTIELLE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Invalidit&eacute; qui emp&ecirc;che un assur&eacute; d&amp;#039;exercer certaines des fonctions de son occupation habituelle ou d&amp;#039;exercer l&amp;#039;occupation &agrave; temps plein.&lt;\/div&gt;\"><span itemprop=\"name\">INVALIDIT&Eacute; PARTIELLE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/invalidite-totale\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;INVALIDIT&Eacute; TOTALE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Lorsqu&amp;#039;une invalidit&eacute; survient, elle est g&eacute;n&eacute;ralement consid&eacute;r&eacute;e comme une &laquo; invalidit&eacute; totale &raquo; si elle emp&ecirc;che une personne assur&eacute;e d&amp;#039;accomplir les t&acirc;ches essentielles de son emploi habituel. Dans de nombreuses polices d&amp;#039;assurance, la d&eacute;finition de l&amp;#039;invalidit&eacute; totale change &agrave; la fin d&amp;#039;une p&eacute;riode d&eacute;termin&eacute;e apr&egrave;s le d&eacute;but de l&amp;#039;invalidit&eacute;, habituellement deux ans. Par cons&eacute;quent, les assur&eacute;s ne sont consid&eacute;r&eacute;s comme totalement invalides que si leur invalidit&eacute; les emp&ecirc;che d&amp;#039;exercer une profession pour laquelle ils sont raisonnablement aptes par l&amp;#039;&eacute;ducation, la formation ou l&amp;#039;exp&eacute;rience.&lt;\/div&gt;\"><span itemprop=\"name\">INVALIDIT&Eacute; TOTALE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/option-conjointe-et-de-survie\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;OPTION CONJOINTE ET DE SURVIE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Une option de r&egrave;glement d&amp;#039;assurance-vie en vertu de laquelle les paiements seront vers&eacute;s &agrave; deux b&eacute;n&eacute;ficiaires ou plus. Ces paiements se poursuivront jusqu&amp;#039;&agrave; ce que les deux ou tous les b&eacute;n&eacute;ficiaires nomm&eacute;s soient d&eacute;c&eacute;d&eacute;s.&lt;\/div&gt;\"><span itemprop=\"name\">OPTION CONJOINTE ET DE SURVIE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/periode-de-grace\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;P&Eacute;RIODE DE GR&Acirc;CE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;La dur&eacute;e (g&eacute;n&eacute;ralement 31 jours) apr&egrave;s qu&amp;#039;une prime est due et impay&eacute;e pendant laquelle la police, y compris tous les avenants, reste en vigueur. Si une prime est pay&eacute;e pendant le d&eacute;lai de gr&acirc;ce, la prime est r&eacute;put&eacute;e avoir &eacute;t&eacute; pay&eacute;e &agrave; temps.&lt;\/div&gt;\"><span itemprop=\"name\">P&Eacute;RIODE DE GR&Acirc;CE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/planification-successorale\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;PLANIFICATION SUCCESSORALE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Un programme d&amp;#039;assurance con&ccedil;u non seulement pour fournir des fonds aux personnes &agrave; charge du prospect au d&eacute;c&egrave;s de celui-ci, mais aussi pour conserver, dans la mesure du possible, les biens personnels que le prospect souhaite l&eacute;guer &agrave; ses h&eacute;ritiers. La planification successorale implique g&eacute;n&eacute;ralement des comptables, des avocats et des agents fiduciaires de banques, ainsi que des agents d&amp;#039;assurance.&lt;\/div&gt;\"><span itemprop=\"name\">PLANIFICATION SUCCESSORALE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/police-dassurance-vie-ajustable\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;POLICE D&amp;rsquo;ASSURANCE VIE AJUSTABLE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Un contrat d&amp;#039;assurance-vie con&ccedil;u sp&eacute;cifiquement pour permettre au propri&eacute;taire de la police de modifier le plan de la police en modifiant le montant de la couverture ou le montant de la prime. L&amp;#039;assureur calcule le plan d&amp;#039;assurance sp&eacute;cifique qui peut &ecirc;tre fourni en fonction du capital-d&eacute;c&egrave;s et de la prime demand&eacute;s. Par cons&eacute;quent, une police d&amp;#039;assurance-vie ajustable peut utiliser des r&eacute;gimes d&amp;#039;assurance allant d&amp;#039;une police d&amp;#039;assurance temporaire de courte dur&eacute;e &agrave; une police d&amp;#039;assurance-vie enti&egrave;re &agrave; paiement limit&eacute;.&lt;\/div&gt;\"><span itemprop=\"name\">POLICE D'ASSURANCE VIE AJUSTABLE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/politique\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;POLITIQUE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Un document &eacute;crit qui sert de preuve d&amp;#039;un contrat d&amp;#039;assurance et contient les faits pertinents sur le propri&eacute;taire de la police, la couverture d&amp;#039;assurance, l&amp;#039;assur&eacute; et l&amp;#039;assureur.&lt;\/div&gt;\"><span itemprop=\"name\">POLITIQUE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/prestation-de-deces\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;PRESTATION DE D&Eacute;C&Egrave;S&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Somme d&amp;#039;argent vers&eacute;e ou devant &ecirc;tre vers&eacute;e au d&eacute;c&egrave;s d&amp;#039;une personne assur&eacute;e en vertu d&amp;#039;une police d&amp;#039;assurance-vie. Ce montant ne comprend pas les rajustements pour les avances sur police impay&eacute;es, les participations, les bonifications lib&eacute;r&eacute;es ou les paiements de primes en retard.&lt;\/div&gt;\"><span itemprop=\"name\">PRESTATION DE D&Eacute;C&Egrave;S<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/prestation-dinvalidite-partielle\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;PRESTATION D&amp;rsquo;INVALIDIT&Eacute; PARTIELLE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Un montant forfaitaire sp&eacute;cifi&eacute; dans une police d&amp;#039;assurance revenu en cas d&amp;#039;invalidit&eacute; qui est payable lorsque l&amp;#039;assur&eacute; souffre d&amp;#039;une invalidit&eacute; partielle. Habituellement, la prestation d&amp;#039;invalidit&eacute; partielle correspond &agrave; la moiti&eacute; de la prestation d&amp;#039;invalidit&eacute; totale.&lt;\/div&gt;\"><span itemprop=\"name\">PRESTATION D'INVALIDIT&Eacute; PARTIELLE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/prestations-dinvalidite\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;PRESTATIONS D&amp;rsquo;INVALIDIT&Eacute;&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Prestations payables p&eacute;riodiquement pendant qu&amp;#039;un assur&eacute; continue d&amp;#039;&ecirc;tre invalide. &amp;quot;&Ecirc;tre handicap&eacute;&amp;quot; est g&eacute;n&eacute;ralement d&eacute;fini en termes d&amp;#039;incapacit&eacute; de travail.&lt;\/div&gt;\"><span itemprop=\"name\">PRESTATIONS D'INVALIDIT&Eacute;<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/prime\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;PRIME&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Le paiement, ou l&amp;#039;un d&amp;#039;une s&eacute;rie de paiements, requis par l&amp;#039;assureur pour mettre une police d&amp;#039;assurance en vigueur et la maintenir en vigueur.&lt;\/div&gt;\"><span itemprop=\"name\">PRIME<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/primes-de-niveau\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;PRIMES DE NIVEAU&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Des primes qui restent les m&ecirc;mes chaque ann&eacute;e que la police d&amp;#039;assurance-vie est en vigueur.&lt;\/div&gt;\"><span itemprop=\"name\">PRIMES DE NIVEAU<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/primes-de-renouvellement\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;PRIMES DE RENOUVELLEMENT&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Primes payables apr&egrave;s la prime initiale.&lt;\/div&gt;\"><span itemprop=\"name\">PRIMES DE RENOUVELLEMENT<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/privilege-de-conversion\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;PRIVIL&Egrave;GE DE CONVERSION&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;(1) Le droit d&amp;#039;une personne couverte par une police d&amp;#039;assurance collective de transformer sa couverture collective en une couverture par une police d&amp;#039;assurance individuelle. Une telle conversion peut &ecirc;tre effectu&eacute;e lorsqu&amp;#039;une personne quitte le groupe, lorsque les avantages sont d&eacute;class&eacute;s ou r&eacute;sili&eacute;s pour une classe sp&eacute;cifique, ou lorsque la police principale du groupe est termin&eacute;e. (2) Le droit de modifier la couverture d&amp;#039;assurance dans certaines situations prescrites d&amp;#039;un type de police &agrave; un autre. Par exemple, le droit de passer d&amp;#039;une police d&amp;#039;assurance temporaire individuelle &agrave; une police d&amp;#039;assurance vie enti&egrave;re individuelle.&lt;\/div&gt;\"><span itemprop=\"name\">PRIVIL&Egrave;GE DE CONVERSION<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/reassurance\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;R&Eacute;ASSURANCE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Transaction entre deux compagnies d&amp;#039;assurance dans laquelle une compagnie ach&egrave;te une assurance &agrave; l&amp;#039;autre pour couvrir une partie ou la totalit&eacute; des risques que la premi&egrave;re compagnie ne souhaite pas conserver en totalit&eacute;.&lt;\/div&gt;\"><span itemprop=\"name\">R&Eacute;ASSURANCE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/reclamation-frauduleuse\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;R&Eacute;CLAMATION FRAUDULEUSE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Un type de r&eacute;clamation qui se produit lorsqu&amp;#039;un demandeur utilise intentionnellement de fausses informations pour tenter de percevoir le produit de la police.&lt;\/div&gt;\"><span itemprop=\"name\">R&Eacute;CLAMATION FRAUDULEUSE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/reintegration\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;R&Eacute;INT&Eacute;GRATION&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Processus par lequel une compagnie d&amp;#039;assurance-vie remet en vigueur une police devenue caduque en raison du non-paiement des primes de renouvellement.&lt;\/div&gt;\"><span itemprop=\"name\">R&Eacute;INT&Eacute;GRATION<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/rente-conjointe-et-de-survivant\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;RENTE CONJOINTE ET DE SURVIVANT&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Rente en vertu de laquelle une s&eacute;rie de paiements est vers&eacute;e &agrave; deux rentiers ou plus. Les versements de la rente se poursuivent jusqu&amp;#039;au d&eacute;c&egrave;s des deux ou de tous les rentiers. Aussi appel&eacute;e rente r&eacute;versible.&lt;\/div&gt;\"><span itemprop=\"name\">RENTE CONJOINTE ET DE SURVIVANT<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/rente-variable\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;RENTE VARIABLE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Une forme de police de rente en vertu de laquelle le montant de chaque paiement de prestation n&amp;#039;est pas garanti et sp&eacute;cifi&eacute; dans la police. Les montants des versements de prestations fluctuent en fonction des revenus d&amp;#039;un fonds de compte distinct.&lt;\/div&gt;\"><span itemprop=\"name\">RENTE VARIABLE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/rente-viager-entiere\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;RENTE VIAGER ENTIERE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Terme math&eacute;matique d&eacute;signant une s&eacute;rie de paiements p&eacute;riodiques r&eacute;guliers, dont chacun n&amp;#039;est effectu&eacute; que si un b&eacute;n&eacute;ficiaire d&eacute;sign&eacute; est alors en vie, les paiements se poursuivant pendant toute la vie de ce b&eacute;n&eacute;ficiaire.&lt;\/div&gt;\"><span itemprop=\"name\">RENTE VIAGER ENTIERE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/rente-viagere-a-periode-certaine\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;RENTE VIAG&Egrave;RE &Agrave; P&Eacute;RIODE CERTAINE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Une rente viag&egrave;re qui promet que si le rentier d&eacute;c&egrave;de avant la fin d&amp;#039;une p&eacute;riode d&eacute;sign&eacute;e (g&eacute;n&eacute;ralement 5, 10 ou 20 ans), l&amp;#039;assureur continuera les paiements &agrave; un b&eacute;n&eacute;ficiaire &eacute;ventuel jusqu&amp;#039;&agrave; la fin de la p&eacute;riode d&eacute;sign&eacute;e. Aussi appel&eacute; revenu viager avec rente &agrave; dur&eacute;e d&eacute;termin&eacute;e.&lt;\/div&gt;\"><span itemprop=\"name\">RENTE VIAG&Egrave;RE &Agrave; P&Eacute;RIODE CERTAINE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/representant-enregistre\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;REPR&Eacute;SENTANT ENREGISTR&Eacute;&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Toute personne titulaire d&amp;#039;une licence aupr&egrave;s de l&amp;#039;Association nationale des courtiers en valeurs mobili&egrave;res et qui est engag&eacute;e soit dans la vente de valeurs mobili&egrave;res en tant qu&amp;#039;agent ou repr&eacute;sentant d&amp;#039;un courtier-n&eacute;gociant, soit dans la formation des vendeurs associ&eacute;s &agrave; un courtier-n&eacute;gociant.&lt;\/div&gt;\"><span itemprop=\"name\">REPR&Eacute;SENTANT ENREGISTR&Eacute;<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/revenu-dinvalidite-de-la-securite-sociale-rssdi\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;REVENU D&amp;rsquo;INVALIDIT&Eacute; DE LA S&Eacute;CURIT&Eacute; SOCIALE (RSSDI)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Aux &Eacute;tats-Unis, un programme de revenu d&amp;#039;invalidit&eacute; de longue dur&eacute;e qui fournit des prestations aux travailleurs handicap&eacute;s de moins de 65 ans et qui ont pay&eacute; un montant sp&eacute;cifi&eacute; de cotisations de s&eacute;curit&eacute; sociale pendant un nombre prescrit de p&eacute;riodes trimestrielles.&lt;\/div&gt;\"><span itemprop=\"name\">REVENU D'INVALIDIT&Eacute; DE LA S&Eacute;CURIT&Eacute; SOCIALE (RSSDI)<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/securite-sociale\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;S&Eacute;CURIT&Eacute; SOCIALE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Aux &Eacute;tats-Unis, un programme du gouvernement f&eacute;d&eacute;ral des &Eacute;tats-Unis qui fournit un revenu de retraite, des soins de sant&eacute; aux personnes &acirc;g&eacute;es et une couverture en cas d&amp;#039;invalidit&eacute; pour les travailleurs &eacute;ligibles et leurs personnes &agrave; charge.&lt;\/div&gt;\"><span itemprop=\"name\">S&Eacute;CURIT&Eacute; SOCIALE<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/souscripteur\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;SOUSCRIPTEUR&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;(1) La personne qui &eacute;value et classe le degr&eacute; potentiel de risque que repr&eacute;sente une personne &agrave; assurer. (2) La personne ou l&amp;#039;organisation qui garantit que l&amp;#039;argent sera disponible pour payer les pertes qui sont assur&eacute;es. En ce sens, la compagnie d&amp;#039;assurance est le souscripteur.&lt;\/div&gt;\"><span itemprop=\"name\">SOUSCRIPTEUR<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/souscription\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;SOUSCRIPTION&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;(1) Le processus d&amp;#039;&eacute;valuation et de classification du degr&eacute; potentiel de risque que repr&eacute;sente un assur&eacute; propos&eacute;. Aussi appel&eacute;e s&eacute;lection des risques. (2) Fournir des garanties que l&amp;#039;argent sera disponible pour payer les pertes qui sont assur&eacute;es.&lt;\/div&gt;\"><span itemprop=\"name\">SOUSCRIPTION<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/triple-indemnite\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;TRIPLE INDEMNIT&Eacute;&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Un type de couverture d&amp;#039;indemnit&eacute; de d&eacute;c&egrave;s accidentel qui verse une indemnit&eacute; suppl&eacute;mentaire &eacute;gale &agrave; deux fois l&amp;#039;indemnit&eacute; de d&eacute;c&egrave;s de base de la police si l&amp;#039;accident survient alors que l&amp;#039;assur&eacute; est un passager dans un moyen de transport public exploit&eacute; par un transporteur public titulaire d&amp;#039;une licence, tel qu&amp;#039;un autobus, un train ou avion.&lt;\/div&gt;\"><span itemprop=\"name\">TRIPLE INDEMNIT&Eacute;<\/span><\/a><\/li><li class=\"\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\"><a href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/valeur-en-especes\/\" role=\"term\" class=\"glossaryLink glossary-link-title \" style=\"\" itemprop=\"url\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;VALEUR EN ESP&Egrave;CES&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Dans une police d&amp;#039;assurance-vie, somme d&amp;#039;argent, avant ajustement en fonction de facteurs tels que les avances sur police ou les retards de primes, que le propri&eacute;taire recevra s&amp;#039;il laisse la police expirer ou annule la couverture et remet la police &agrave; la compagnie d&amp;#039;assurance. Les valeurs de rachat sont une caract&eacute;ristique de la plupart des types d&amp;#039;assurance vie permanente, comme l&amp;#039;assurance vie enti&egrave;re et l&amp;#039;assurance vie universelle. Aussi appel&eacute; accumulation interne et avoir du propri&eacute;taire de police.&lt;\/div&gt;\"><span itemprop=\"name\">VALEUR EN ESP&Egrave;CES<\/span><\/a><\/li><\/ul><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c00be3a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c00be3a\" data-element_type=\"section\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8a28035\" data-id=\"8a28035\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f768f6c elementor-widget__width-inherit elementor-widget elementor-widget-global elementor-global-15066 elementor-global-15063 elementor-widget-image\" data-id=\"f768f6c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/ciro.ca\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"417\" height=\"108\" src=\"https:\/\/sentinelgroup.ca\/wp-content\/uploads\/2023\/07\/CIRO_Regulated_Dark.png\" class=\"attachment-large size-large wp-image-14968\" alt=\"CIRO\" srcset=\"https:\/\/sentinelgroup.ca\/wp-content\/uploads\/2023\/07\/CIRO_Regulated_Dark.png 417w, https:\/\/sentinelgroup.ca\/wp-content\/uploads\/2023\/07\/CIRO_Regulated_Dark-300x78.png 300w\" sizes=\"(max-width: 417px) 100vw, 417px\"\/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Glossaire financier TOUS UNE B C E F g je J K L M N P R S J tu V O Oui TOUS <a class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;AVENANT D&Eacute;C&Egrave;S ET MUTILATION ACCIDENTELS (DMA)&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Avenant ou avenant de prestation suppl&eacute;mentaire qui pr&eacute;voit une somme d&amp;#039;argent en plus de la prestation de d&eacute;c&egrave;s de base d&amp;#039;une police d&amp;#039;assurance-vie. Ce montant suppl&eacute;mentaire n&amp;#039;est payable que si l&amp;#039;assur&eacute; d&eacute;c&egrave;de ou perd deux membres ou la vue des deux yeux &agrave; la suite d&amp;#039;un accident. Certains avenants AD&amp;amp;amp;D paient la moiti&eacute; du montant de l&amp;#039;indemnit&eacute; si l&amp;#039;assur&eacute; perd un membre ou la vue d&amp;#039;un &oelig;il.&lt;\/div&gt;\" href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/avenant-deces-et-mutilation-accidentels-dma\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">AVENANT D&Eacute;C&Egrave;S ET MUTILATION ACCIDENTELS (DMA)<\/a> <a class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ACTUAIRE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Expert technique en assurance-vie, notamment en math&eacute;matiques. Une personne occupant ce poste applique la th&eacute;orie des probabilit&eacute;s pour calculer les taux de mortalit&eacute;, les taux de morbidit&eacute;, les taux de d&eacute;ch&eacute;ance, les taux de prime, les r&eacute;serves de police et d&amp;#039;autres valeurs.&lt;\/div&gt;\" href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/actuaire\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">ACTUAIRE<\/a> <a class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;POLICE D&amp;rsquo;ASSURANCE VIE AJUSTABLE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Un contrat d&amp;#039;assurance-vie con&ccedil;u sp&eacute;cifiquement pour permettre au propri&eacute;taire de la police de modifier le plan de la police en modifiant le montant de la couverture ou le montant de la prime. L&amp;#039;assureur calcule le plan d&amp;#039;assurance sp&eacute;cifique qui peut &ecirc;tre fourni en fonction du capital-d&eacute;c&egrave;s et de la prime demand&eacute;s. Par cons&eacute;quent, une police d&amp;#039;assurance-vie ajustable peut utiliser des r&eacute;gimes d&amp;#039;assurance allant d&amp;#039;une police d&amp;#039;assurance temporaire de courte dur&eacute;e &agrave; une police d&amp;#039;assurance-vie enti&egrave;re &agrave; paiement limit&eacute;.&lt;\/div&gt;\" href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/police-dassurance-vie-ajustable\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">POLICE D&rsquo;ASSURANCE VIE AJUSTABLE<\/a> <a class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;B&Eacute;N&Eacute;FICIAIRE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;La personne ou l&amp;#039;autre partie d&eacute;sign&eacute;e pour recevoir le produit de la police d&amp;#039;assurance-vie. Voir aussi b&eacute;n&eacute;ficiaire subsidiaire, b&eacute;n&eacute;ficiaire irr&eacute;vocable, b&eacute;n&eacute;ficiaire principal et b&eacute;n&eacute;ficiaire r&eacute;vocable.&lt;\/div&gt;\" href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/beneficiaire\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">B&Eacute;N&Eacute;FICIAIRE<\/a> <a class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;AVANTAGE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Le montant d&amp;#039;argent pay&eacute; lorsqu&amp;#039;une r&eacute;clamation d&amp;#039;assurance est approuv&eacute;e. Aussi appel&eacute; l&amp;#039;avantage de la politique.&lt;\/div&gt;\" href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/avantage\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">AVANTAGE<\/a> <a class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;B&Eacute;N&Eacute;FICE DE SURVIE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;D&eacute;crit le fait que les paiements de rente seront effectu&eacute;s tant que le b&eacute;n&eacute;ficiaire d&eacute;sign&eacute; est vivant au moment o&ugrave; le paiement est d&ucirc;. Ce concept est utilis&eacute; dans le calcul des montants dus en vertu des options de r&egrave;glement d&amp;#039;assurance-vie.&lt;\/div&gt;\" href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/benefice-de-survie\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">B&Eacute;N&Eacute;FICE DE SURVIE<\/a> <a class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE POURSUITE D&amp;rsquo;EXPLOITATION&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Type d&amp;#039;assurance commerciale con&ccedil;ue pour fournir des fonds afin que les associ&eacute;s restants d&amp;#039;une entreprise, ou les actionnaires restants d&amp;#039;une soci&eacute;t&eacute; &agrave; actionnariat restreint, puissent acheter les int&eacute;r&ecirc;ts commerciaux d&amp;#039;un associ&eacute; ou d&amp;#039;un actionnaire d&eacute;c&eacute;d&eacute; ou invalide.&lt;\/div&gt;\" href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-poursuite-dexploitation\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">ASSURANCE POURSUITE D&rsquo;EXPLOITATION<\/a> <a class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;VALEUR EN ESP&Egrave;CES&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Dans une police d&amp;#039;assurance-vie, somme d&amp;#039;argent, avant ajustement en fonction de facteurs tels que les avances sur police ou les retards de primes, que le propri&eacute;taire recevra s&amp;#039;il laisse la police expirer ou annule la couverture et remet la police &agrave; la compagnie d&amp;#039;assurance. Les valeurs de rachat sont une caract&eacute;ristique de la plupart des types d&amp;#039;assurance vie permanente, comme l&amp;#039;assurance vie enti&egrave;re et l&amp;#039;assurance vie universelle. Aussi appel&eacute; accumulation interne et avoir du propri&eacute;taire de police.&lt;\/div&gt;\" href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/valeur-en-especes\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">VALEUR EN ESP&Egrave;CES<\/a> <a class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;CIRO&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;L&amp;#039;Organisme canadien de r&eacute;glementation des investissements (OCRI) est l&amp;#039;organisme national d&amp;#039;autor&eacute;glementation (OAR) du secteur de la distribution de l&amp;#039;industrie canadienne de l&amp;#039;investissement. Le CIRO est structur&eacute; comme une soci&eacute;t&eacute; &agrave; but non lucratif et ses membres sont des courtiers en valeurs mobili&egrave;res agr&eacute;&eacute;s par les commissions provinciales des valeurs mobili&egrave;res.&lt;\/div&gt;\" href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/acfm\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">CIRO<\/a> <a class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;PRIVIL&Egrave;GE DE CONVERSION&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;(1) Le droit d&amp;#039;une personne couverte par une police d&amp;#039;assurance collective de transformer sa couverture collective en une couverture par une police d&amp;#039;assurance individuelle. Une telle conversion peut &ecirc;tre effectu&eacute;e lorsqu&amp;#039;une personne quitte le groupe, lorsque les avantages sont d&eacute;class&eacute;s ou r&eacute;sili&eacute;s pour une classe sp&eacute;cifique, ou lorsque la police principale du groupe est termin&eacute;e. (2) Le droit de modifier la couverture d&amp;#039;assurance dans certaines situations prescrites d&amp;#039;un type de police &agrave; un autre. Par exemple, le droit de passer d&amp;#039;une police d&amp;#039;assurance temporaire individuelle &agrave; une police d&amp;#039;assurance vie enti&egrave;re individuelle.&lt;\/div&gt;\" href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/privilege-de-conversion\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">PRIVIL&Egrave;GE DE CONVERSION<\/a> <a class=\"glossaryLink\" aria-describedby=\"tt\" data-cmtooltip=\"&lt;div class=glossaryItemTitle&gt;ASSURANCE TEMPORAIRE CONVERTIBLE&lt;\/div&gt;&lt;div class=glossaryItemBody&gt;Type d&amp;#039;assurance temporaire qui permet au propri&eacute;taire de la police de transformer la police d&amp;#039;assurance temporaire en une police d&amp;#039;assurance vie enti&egrave;re sans fournir de preuve d&amp;#039;assurabilit&eacute;. Le taux de prime est normalement bas&eacute; sur l&amp;#039;&acirc;ge de l&amp;#039;assur&eacute; au moment de la transformation.&lt;\/div&gt;\" href=\"https:\/\/sentinelgroup.ca\/fr\/glossary\/assurance-temporaire-convertible\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">ASSURANCE TEMPORAIRE CONVERTIBLE<\/a> PRESTATION DE [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"full-width.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-12735","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Glossaire - Sentinel Financial Group<\/title>\n<meta name=\"description\" content=\"Une collection de termes financiers et des descriptions de leur signification. 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