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Fiduciary
Fiduciary is a person who holds a legal or ethical relationship of trust with another person and has authority to act on their behalf, for example, lawyers, trustees, administrators and custodians. The fiduciary manages assets of the other person without profiting themselves.
Fire Insurance
It is a contract under which the insurer agrees to provide cover for the financial loss that the insured might suffer on account of the damage caused to his/her property by fire during a specific period, in return for the premiums paid by the insured.
First Unpaid Premium
The first premium payment that the policy holder defaults on.
Fixed Deposit
An investment instrument wherein a fixed amount of money is deposited with the bank for a fixed time span at a fixed interest rate which is usually higher than the interest rate offered by a savings account. The money can be withdrawn at maturity or at regular intervals depending upon one's requirements.
Fraud
The intentional misrepresentation or concealment of material facts for the purpose of deceiving another party and gaining an unfair or dishonest advantage.
Free Look Period
A period of time after the insurance contract comes into effect (usually about 15-30 days) in which the insured can choose to cancel the policy if he/she is dissatisfied with its terms and conditions or its features.
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