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Radiation Therapy: The use of ionizing radiation in the treatment of disease, usually cancer. These services are provided by a radiation therapies or a physician qualified in...

Rating Class: The appropriate price category to which an applicant qualifies according to an insurance company's underwriting guidelines.

Rate Banding: The process of grouping term life insurance death benefit amounts. The rate per thousand typically changes at certain death benefit levels or band breaks.

Rate Per Thousand: The price per unit (or $1,000) of death benefit. Term life insurance premiums are...

Rated Policy: A policy issued at a substandard rating class based on...

Reasonable and Customary Fee: The average fee charged by a particular type of health care practitioner within ...

Rebating: The act of giving something of value to an applicant by the agent/broker in return for purchasing a life insurance policy (e.g. sharing commissions). Rebating is...

Re-Entry: A policy provision that allows an insured to renew their term life insurance policy at the end of ...

Referral: A recommendation by a physician and/or managed care plan for a covered person to be evaluated and/or treated by a different physician.

Reinstatement: A policy provision that allows a policy to be restored from a lapsed status. This is usually allowed during the 31 days following the expiration of an insurance policy's...

Renewal: The process of continuing a policy by paying the premium due.

Replacement: The act of terminating a policy with an insurance company and replacing it with a new insurance policy...

Replacement Form: A required form that must be completed if the applicant is replacing existing coverage. The replacement form notifies the existing insurer that the applicant is replacing their policy with a policy from another company.

Reserve: The amount of money an insurance company holds which, with future premiums and an assumed rate of interest, will pay all ...

Respiratory Therapy: Treatment to preserve or improve lung function.

Revocable Beneficiary: A type of beneficiary designation that can be changed without the beneficiary's consent.

Rider: A special provision attached to a policy that either expands or restricts the benefits of the policy. Exclusion riders typically exclude certain conditions from coverage..

Risk: The probability of injury, illness or death associated with an insured.

Risk Classification: The process by which underwriting determines the risk associated with an applicant and assigns an appropriate rating class to the policy.

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