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accident actual cash value agency agent amount of insurance ance annuity apply assets automobile basic basis beneficiary benefit payments bond cash value Chapter claims clause coinsurance cost coverage covered death deductible disability income discussed dollars double indemnity earnings employees example excluded face amount federal fire insurance firm funds hazard health insurance hospital increase individual industrial insurance companies insurance contracts insurance policy insured's investment involved large numbers level premium liability insurance Liability Policy limit loss caused loss prevention major marine insurance ment moral hazard mortality operations owner paid percent perils period person policyholders premises premium rate problem property insurance protection purchase reduce result retirement risk management self-insurance significance similar social insurance Social Security specified surance term insurance term life insurance tion total disability types underwriting United whole life insurance worker workmen's compensation