GLOSSARY

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Accidental death and dismemberment (AD&D)
Activities of daily living (ADLs)
Adjusted Gross Income
After-tax return
Agency issues
Aggressive Growth Fund
Alternate care facility
Annual report
Annuity
Appreciation
Assessment
Asset
Asset allocation
Asset class
Assisted daily living facility
Attending physician statement (APS)

Banker's acceptances
Bear market
Benchmark
Beneficiary
Benefit period
Blue Chip Stock Fund
Bond
Broker
Brokerage firm
Bull market
Business overhead expense

Capital appreciation
Cash equivalents
Cash reserves
Cash surrender value
Certificates of deposit (CD)
Claim
Closed-end fund
Closing price
Cognitive impairment
Commercial paper
Common stock
Community based care setting
Compound interest
Consumer Price Index
Contrafund
Corporate bonds
Cost of living rider
Credit quality
Credit risk
Currency risk
Custodial care

Deferred compensation plan
Depreciation
Disability income insurance coverage
Distributions
Diversification
Dividends
Dollar-cost averaging
Dow Jones Industrial Average

EAFE International
Earnings growth
Elimination period
Endorsement
Equity
ERISA
Execution
Expenses

Family
Futures

Group insurance
Group long term disability
Guarantee of insurability
Guaranteed minimum death benefit

Hedging
High-risk investments
Home care

Income
Income yield
Index
Index fund
Individual Retirement Account or Annuity (IRA)
Inflation
Interest
Intermediate care
International fund
Investor services

Key person policy

Large-cap
Lehman Brothers Aggregate Index
Lehman Brothers Government/Corporate Bond Index
Lehman Brothers Intermediate Treasury Bond Index
Lien
Life expectancy
Life insurance
Limited partnership
Liquid asset
Liquidity
Long run or long term
Low risk investments
Lump sum distribution

Maintenance fee
Manager
Market
Market risk
Market timing
Market-valued account
Maturity
Merrill Lynch High Yield Master Index
Mid-cap
Minimum investment
Money market investments
Mortgage-backed securities
Mutual company

NASDAQ Composite Index
Negotiable certificates of deposit
Net asset value (NAV)
Net assets
New York Stock Exchange Composite Index
No-load mutual fund
No minimum fund

Occupation class
Offering price
Ongoing expenses
Open-end mutual fund
Own occupation

Partial disability
P/E ratio
Pension fund
Performance
Policy
Portfolio
Portfolio turnover
Pre tax
Preferred stock
Premium
Price appreciation
Price fluctuation
Price-to-book ratio
Price-to-earnings ratio
Price-to-sales ratio
Principal
Property
Property inventory
Prospectus

Recurrent disability
Repos
Residual disability benefit
Risk
Risk tolerance
Russell 2000 Index

SAI
SEC required performance
Sector funds
Securities
Securities and Exchange Commission (SEC)
Shareholder
Short term
Short-term disability
Small-cap
S&P 500 Index
S&P BARRA Growth
S&P BARRA Value
S&P Midcap 400 Index
Stock company
Stock symbol
Stocks

Tax deferred
Tax-deferred annuity
Term life insurance
Total disability
Treasury Bill Index (90-day)
Treasury bills

Unit value
Universal life insurance
U.S. Treasury notes

Variable universal life
Volatility

Waiver of premium
Whole life insurance
Withdrawal
Workers' compensation

Yield