(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.
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not “accidental” or random and may result in either gain or loss, you cannot protect yourself from losses in a traditional manner.
speculative risk
The chance of loss or harm to personal or real property
property risk
An event whose occurrence can cause a loss; people buy policies for protection against such perils as a fire, storm, explosion, accident, or robbery
peril
The additional time after the premium due date that the insurer allows the policyholder to make the payment without penalty (usually 30 days)
grace period
The amount stated in a life insurance policy to be paid upon death
face amount
A specialist in insurance calculations and statistics
actuary
n unexpected reduction in value of the insured’s property caused by a covered peril; the basis of a valid claim for reimbursement under the terms of an insurance policy
loss
The written verification of the amount of a loss that must be provided by the insured to the insurer before a claim can be settled
proof of loss
risks due to the current state of the economy
economic risk
the chance of loss that may occur when your errors or actions result in injuries to others or damages to their property
liability risk
A condition that creates or increases the likelihood of some loss; for example, defective house wiring can increase the likelihood of a fire
hazard
The portion of a paid premium that the insurer has not yet earned because the policy term has not ended;
unearned premium
The contract form that has been adopted by many insurers, approved by state insurance departments, or prescribed by law
standard policy
The person or company protected against loss (not always the owner of the policy)
insured
a pure risk that is faced by a large number of people and for which the amount of the loss can be predicted
insurable risk
the chance of loss involving your income and standard of living.
personal risk
a chance of loss with no chance for gain.
pure risk
The amount of money payable to a policyholder upon discontinuation of a life insurance policy
cash value
The mathematics of chance, or statistical likelihood that something will happen
probability
A table of premium rates based on ages and life expectancies
actuarial table
Sums of money to be paid for specific types of losses under the terms of an insurance policy
benefits
A professional insurance salesperson who acts for the insurer in negotiating, servicing, or writing an insurance policy
insurance agent
any financial interest in life or property such that, if the life or property were lost or harmed, the insured would suffer financially.
insurable interest
the process of putting the policyholder back in the same financial condition he or she was in before the loss occurred
indemnification
the fee usually paid at regular intervals by the owner of the policy
premium
The insurance company who provides insurance coverage for a policyholder
insurer
A policyholder’s request for reimbursement for a loss under the terms of an insurance policy
claim
Protection provided by the terms of an insurance policy
coverage
The specified amount of a loss that the policyholder pays before the insurer is obligated to pay anything; the insurance company pays only the amount in excess of the deductible
deductible
A person named on an insurance policy to receive the benefits from the policy
beneficiary
Specified losses that the insurance policy does not cover
exclusions
a method for spreading individual risk among a large group of people to make losses more affordable for all.
insurance
