The physician who examines an applicant or claimant on behalf of the insurer, and as an agent of the insurer.
The physician who examines an applicant or claimant on behalf of the insurer, and as an agent of the insurer.
A whole life contract and a security which features flexible premium payments, non-guaranteed cash values and either a minimum guaranteed death benefit or no guaranteed death benefit. Policy values are dependent on the performance of a separate account.