insurance company
A insurance company that offers insurance policies to the public, either by selling directly to an individual or through another source such as an employee's benefit plan. An insurance company is usually comprised of multiple insurance agents. An insurance company can specialize in one type of insurance, such as life insurance,health insurance, or auto insurance, or offer multiple types of insurance.
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insurance agent
Individual who is licensed by a state to sell insurance for one or more specific insurance companies.
insurance company dividend
One of a series of periodic (usually annual) payments made to a cash value life insurance policy holder. The amount of the payment depends on the insurance company 's costs and investment returns. The payments are considered to be a partial refund of the policy holder's premium and are therefore tax-free income.
insurance company separate account
A real estate investment vehicle only offered by life insurance company, which enables an ERISA-governed fund to avoid creating unrelated taxable income for certain types of property investments and investment structures.
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