Saturday, December 12, 2009

Life Insurance Glossary - O

Obligatory Treaty
A reinsurance contract under which business must be ceded in accordance with contract terms and must be accepted by the reinsurer

Occupational Hazards
Occupations which expose the insured to greater than normal physical danger by the very nature of the work in which the insured is engaged, and the varying periods of absence from the occupation, due to the disability, that can be expected

Ombudsman
An authority established either by the company or the Government for the quick redressal of grievances

Open cover
Gives to insured automatic insurance protection so that there is no risk of any shipments remaining uninsured through oversight

Open Form
A continuous policy written on a reporting basis

Operative Clause
Defines the class and nature of business covered by a specific reinsurance treaty.


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