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Funeral Directing- Mors 200 Study Guide > Vocab 4 > Flashcards

Vocab 4 Flashcards

1
Q

Rate of occurrence of accidents; e.g. number of accidents per million man-hours worked.

A

Accident Frequency

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2
Q

An even that is caused by the forces of nature, without human intervention, and that could not have been prevented by reasonable care, e.g. flood, lightning, earthquake and hurricane.

A

Act of God

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3
Q

A person trained in mathematics whose job is to apply the theory of probability tot he business of insurance, and to advise in situations involving questions of probability.

A

Actuary

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4
Q

Increased expense of providing a home due to damage to the property insured, e.g. extra cost of living in a hotel.

A

Additional Living Expense

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5
Q

Usually one who represents the insurer in settling claim with insureds or with third party claimants. Sometimes a representative of the insured.

A

Adjuster

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6
Q

(1) The process of determining the amount payable or service to be rendered by one or more insurers to an insured or other claimant under an insurance contract, and the rights and obligations incident thereto. (2) The accomplishment of (1).

A

Adjustment

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7
Q

Insurance that covers loss caused by all perils except those specifically excluded in the contract.

A

“All-Risk” Insurance

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8
Q

The system of selling insurance through agents compensated by commissions, the agents having the sole right to solicit insureds on expiration of their policies.

A

American Agency System

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9
Q

Determination of the value of property, or of the extent of damage, usually by impartial experts.

A

Appraisal

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10
Q

A dangerous place of instrumentality attractive to children, the owner of which has the legal duty of taking unusual care to guard them from it.

A

Attractive Nuisance

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11
Q

One to whom goods are delivered to be held in trust in accordance with a contract, express or implied.

A

Bailee

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12
Q

Amounts to be paid by the insurer under an insurance contract.

A

Benefits

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13
Q

A temporary insurance contract pending execution of the policy contract. Except for specific difference, the terms of the binder are by implication those of the contract which is intended to replace it.

A

Binder

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14
Q

An arrangement under which the insured shares in losses in the proportion that his insurance is less than a specific percentage of value of the property insured.

A

Coinsurance

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15
Q

A loss not directly caused by a peril insured against but arising indirectly.

A

Consequential Loss

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16
Q

The extent of the insurance afforded under an insurance contract. Often used to mean insurance or insurance contract.

A

Coverage

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17
Q

A clause in an insurance contract providing that the insurer will pay only that amount of any loss that is in excess of a specified amount.

A

Deductible Clause

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18
Q

An amendment in writing (including print or stamping), added to and made a part of the insurance contract.

A

Endorsement

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19
Q

A provision in an insurance contract stating situations in which, perils against which, or persons or things upon which, insurance is not afforded under the contract.

A

Exclusion

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20
Q

(1) The state of being exposed to the chance of loss. (2) The extent of exposure to loss as measured in payroll, gate receipts, area, etc. (3) The chance of fire being communicated to an insured risk from its surroundings.

A

Exposure

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21
Q

A clause in an automobile-liability-insurance contract subjecting the contract to the requirements of any financial responsibility law and requiring the insured to reimburse the insurer for disbursements it would not be required to make except for this clause.

A

Financial-Responsibility Clause

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22
Q

An agent that produces heat and a flow or glow.

A

Fire

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23
Q

A fire which is not outside the place where it was intended to be.

A

Fire Friendly

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24
Q

A fre outside the place where it was intended to be.

A

Fire Hostile

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25
Q

An insurance contract that covers property in any location within a specified territory.

A

Floater policy

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26
Q

A period following the premium due date during which payment of the premium may be made without penalty or suspension of coverage.

A

Grace Period

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27
Q

A clause in a contract proving that the insurer may not, after a specified time from the inception of the contract, contest the validity of the contract.

A

Incontestable Clause

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28
Q

To make good a loss.

A

Indemnify

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29
Q

Replacement, repair or payment of value of a loss.

A

Indemnity

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30
Q

(1) A pooling of hazards in order to indemnify those who experience losses. (2) The contractual relationship between the insured and the insurer who agrees, in return for a premium, to indemnify the insured for losses due to specified causes; in some cases, includes specified services.

A

Insurance

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31
Q

(1) Injury or damage sustained by an insured. (2) The amount for which the insurer becomes liable on occurrence of the event insured against.

A

Loss

32
Q

A clause in an insurance contract making the proceeds payable to named mortgagee, as his interest may appear, and stating the terms of the contract between the insurer and the mortgagee.

A

Mortgagee Clause

33
Q

The cause of possible loss.

A

Peril

34
Q

Particular location or portion thereof as defined by the policy insurance.

A

Premises

35
Q

The amount charged for insurance.

A

Premium

36
Q

A formal written statement of a claim for payment of a loss, with supporting data.

A

Proof of Loss

37
Q

(1) A promise of payment of indemnity or of a specified sum or sums by an insurer. (2) Guarding persons or things against loss.

A

Protection

38
Q

(1) The subject of insurance, whether a person or thing. (2) Chance of loss.

A

Risk

39
Q

The unlawful taking of property by violence, force, or intimidation.

A

Robbery

40
Q

(1) Property taken over by the insurer on payment of loss. (2) In maritime law, the award to persons who voluntarily render services to maritime property in peril, with resulting benefit thereto.

A

Salvage

41
Q

An insurance policy that covers, under separate insuring agreements, several enumerated causes of loss.

A

Schedule Policy

42
Q

A contract form in general use by insurers, adopted by a group of insurers, approved by a state insurance department or prescribed by statute.

A

Standard Form

43
Q

The corporation or individual guaranteeing performance or faithfulness under a bond.

A

Surety

44
Q

(1) A person whose duty is to select risks for insurance and to determine in what amounts and on what terms they will be accepted by an insurer. (2) An insurer.

A

Underwriter

45
Q

At the inception of disability, a period in respect of which benefits are not payable.

A

Waiting Period

46
Q

A statute imposing liability on employers to pay benefits and furnish care to employees injured, and to pay benefits to dependents of employees killed, in the course of and because of their employment. The employer is generally relieved of liability for common-law damages.

A

Workmen’s Compensation Law

47
Q

A person legally entitled to authorize the cremation of human remains.

A

Authorizing Agent(s)

48
Q

Limbs or other portions of the anatomy that are removed from a person or human remains for medical purposes during treatment, surgery, biopsy, autopsy or medical research; or human bodies or any portion of bodies that have been donated to science for medical research purposes.

A

Body Parts

49
Q

This form of insurance is fading fast from the funeral scene. It is life insurance payable in merchandise and service or as a credit toward merchandise and service, with a lesser benefit often payable in cash when the person dies and final disposition occurs outside the service area of the funeral establishment that services that burial association.

A

Burial Insurance

50
Q

A rigid container that is designed for the encasement of human remains; is usually constructed of wood, metal or like material and ornamented and lined with fabric, and which may or may not be combustible.

A

Casket

51
Q

A transfer of more than 50 percent of the stock or assets of a crematory authority.

A

Change of Ownership

52
Q

Any container in which cremated remains can be placed and closed in a manner so as to prevent leakage or spillage of remains or the entrance of foreign material.

A

Closed Container

53
Q

The enclosed space within which the cremation process takes place. Cremation chambers covered by these procedures shall be used exclusively for the cremation of human remains.

A

Cremation Chamber

54
Q

The container in which the human remains are transported to the crematory and placed in the cremation chamber for a cremation. A cremation container should meet substantially all of the following standards:(1) Be composed of readily combustible materials suitable for cremation;(2) Be able to be closed in order to provide a complete covering for the human remains;(3) Be resistant to leakage or spillage;(4) Be rigid enough for handling with ease; and(5) Be able to provide protection for the health, safety and personal integrity of crematory personnel.

A

Cremation Container

55
Q

A rigid outer container that, subject to a cemetery’s rules and regulations, is composed of concrete, steel, fiberglass or some similar material in which an urn is placed prior to being interred in the ground, and which is designed to withstand prolonged exposure to the elements and to support the earth above the urn.

A

Cremation Interment Container (Urn Vault)

56
Q

The legal entity, or the authorized representative of the legal entity, that is licensed by the state to operate a crematory and perform cremation.

A

Crematory Authority

57
Q

The state agency that administers this law.

A

Department

58
Q

These synonymous terms indicate that the funeral which has been prearranged and prefunded will be provided whether or not the funds entrusted plus any accrual on them are sufficient to pay for the funeral selected regardless of its price at the time death occurs.

A

Fixed Price (Guaranteed price)

59
Q

A person known by the title of “funeral director,” “funeral director and embalmer” or other similar words or titles, defined by state law and licensed by the state to practice funeral directing or funeral directing and embalming.

A

Funeral Director

60
Q

A building or separate portion of a building having a specific street address and location and devoted to activities relating to the shelter, care, custody and preparation of a deceased human body and which may contain facilities for funeral, memorial and visitation services.

A

Funeral Establishment

61
Q

Life insurance payable in cash to any designated beneficiary for use in any manner chosen, but not necessarily intended to be applied toward funeral expenses. Most such insurance is provided by carriers not owned by a funeral home although many funeral homes endorse a specific carrier or plan. When the proceeds of the policy are used to pay for the funeral, the funeral director receives an assignment of the future death benefit. In a few jurisdictions, the funeral director may be named the beneficiary. The funeral arranged can be either guaranteed or non-guaranteed.

A

Funeral Insurance

62
Q

An area within or adjacent to the crematory facility designated for the retention of human remains prior to cremation that shall:(1) Comply with any applicable public-health law;(2) Preserve the dignity of the human remains;(3) Recognize the integrity, health and safety of the crematory authority personnel operating the crematory; and(4) Be secure from access by anyone other than authorized personnel.

A

Holding Facility

63
Q

The body of a deceased person, or part of a body or limb that has been removed from a living person, including the body, part of a body or limb in any stage of decomposition.

A

Human Remains

64
Q

You can put property into this while you are still alive. When you die, the property automatically goes to your heirs without going through probate court which can be very time consuming and expensive. You can revoke a living trust at any time if you change your mind.

A

Living Trust

65
Q

A legally binding document that dictates one’s wish not to be kept alive by artificial life support systems in the event of a terminal illness. By limiting treatment, a living will sets limits on hospital bills which can drain and even wipe out your assets so that there is little left in your estate for your heirs.

A

Living Will

66
Q

Contracts which are portable provide that when death occurs and the funeral is conducted by a firm other than the one with which there is a contract, the contract and funds will be transferred to the other establishment to be fulfilled.

A

Portability of a Contract

67
Q

The reduction of identifiable bone fragments after the completion of the cremation process to unidentifiable bone fragments by manual means.

A

Processing

68
Q

An individual or firm providing the services, facilities, and merchandise for the funeral which has been prearranged and/or prefunded.

A

Provider

69
Q

The reduction of identifiable bone fragments after the completion of the cremation and processing to granulated particles by manual or mechanical means.

A

Pulverization

70
Q

A book signed by those attending a visitation/service.

A

Register Book (Memorial Book)

71
Q

A designated area for the scattering of cremated remains usually in a cemetery and located on dedicated cemetery property where cremated remains, which have been removed from their container, can be mixed with, or placed on top of, the soil or ground cover or buried in an underground receptacle on a commingled basis.

A

Scattering Area

72
Q

A person or firm who contracts to have available funeral services and/or merchandise. A seller may or may not be a provider.

A

Seller

73
Q

A receptacle for cremated remains usually made of cardboard, plastic or similar material designed to hold the cremated remains until an urn or other permanent container is acquired.

A

Temporary Container

74
Q

Agreement entered into by two parties for the benefit of another.

A

Third Party Beneficiary Contracts

75
Q

Contracts entered into by two parties for the benefit of another.

A

Third Party Contracts

76
Q

A Federal agency that administers benefits provided by law for veterans of the armed forces.

A

Veterans Administration

77
Q

A legal document that dictates how your property is to be distributed after death. It may also designate guardians for your children. Your will must pass through probate court before your estate can be distributed to your heirs.

A

Will

Funeral Directing- Mors 200 Study Guide (37 decks)

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