Date of Issue:The effective date of the policy or contract as issued by the insurer.

Death Benefit:The amount paid to the beneficiary upon the death of the insured regardless of cause.

Debt Repayment:Credit card debt, auto loans, home equity loans, mortgages or other debt that you wish to repay. Providing the ability to repay these loans if you were to die can significantly help your family meet their monthly living expenses.

Deductible:The amount an individual must pay for health care expenses before insurance covers the costs. Often, insurance plans are based on yearly deductible amounts.

Denial Of Claim:Refusal by an insurance company to honor a request by an individual to pay for health care services obtained from a health care professional.

Deferred Annuity:An annuity in which periodic benefit payments do not begin until after a specified number of years or the annuitant reaches a specific age.

Dependents:Spouse and/or unmarried children (whether natural, adopted or step) of an insured.