Back to Top Rating Agencies Several independent ratings agencies rate the financial stability of insurance companies. Reinstatement Reinstatement is the restoration of a policy that has lapsed because of nonpayment of premiums. When insurance companies are unable to take on all of the financial risk associated with large insurance contracts, they can share the risk with other insurers. They do this through reinsurance. Rider Language that can be added to an insurance policy to modify the policy.
Many riders offer additional coverage or special benefits.
Sector Sectors are different segments of the economy, particular industries, or even parts of industries. The dollar amount of the death benefit selected at initial purchase plus or minus any increases or decreases you make later. Typically, these are investments that are very stable, having little fluctuation in principal. Stocks Stocks represent a share of ownership in a company. Stocks can be volatile, but clearly offer the greatest opportunity for growth.