TomorrowMakers ™

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A person or organization which holds funds in a trust on behalf of someone else. This could be applicable in the case of a minor as well.

First Unpaid Premium

The first premium payment that the policy holder defaults on.

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.

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.


The intentional misrepresentation or concealment of material facts for the purpose of deceiving another party and gaining an unfair or dishonest advantage.

Health Insurance Riders


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