Georgia Life and Health Insurance (20
g g g g g
22/2023) Rated A+ g g
Accidentg✔✔Angunplannedgunforseengeventgwhichgoccursgsuddenlygatgangunspecifiedgplace
Accidentginsuranceg✔✔Agtypegofginsurancegthatgprotectsgtheginsuredgagainstglossgduegtogan
accidentalgbodilyginjury
Accidentalgbodilyginjuryg✔✔Unplannedgunforseengtraumaticginjurygtogthegbody
AccidentalgDeathgandgDismembermentg✔✔Anginsurancegpolicygwhichgpaysgagspecifiedgnumber
orgspecifiedgmultiplegofgtheginsurer'sgbenefitgifgtheginsuredgdies,glosesghis/hergsight,gorglosesgtwo
limbsgduegtogangaccident.
AcquiredgImmunodeficiencygSymdromeg✔✔Anginfectiousgandgincurablegdiseasegcausedgbygthe
humangimmunodeficiencygvirusg(hiv)
Activitiesgofgdailyglivingg✔✔Activitiesgindividualsgmustgdogeverygdaygsuchgasgmovinggabout,
gettinggdressed,geating,gbathing,getc.
,Actualgchargeg✔✔Thegamountgagphysiciangorgsuppliergactuallygbillsgforgagparticulargservicegor
supply.
Adhesiong✔✔Agcontractgofferedgongag"takegitgorgleavegit"gbasisgbyganginsured,gingwhichgthe
insured'sgonlygoptiongisgtogacceptgorgrejectgthegcontract.gAnygambiguitiesgingthegcontractgwillgbe
settledgingfavorgofgthegimsured.
Admittedg(Authorized)gInsurerg✔✔Anginsurancegcompanygauthorizedgandglicensedgtogtransact
businessgingagparticulargstate.
AdultgDaygCareg✔✔Agprogramgforgimpairedgadultsgthatgattemptsgtogmeetgtheirghealth,gsocial,gand
functionalgneedsgingagsettinggawaygfromgtheirghomes.
AdversegSelectiong✔✔Thegtendencygofgrisksgwithaghighergprobabilitygofglossgtogpurchasegand
maintainginsurancegmoregoftengthangthegrisksgwhogpresentglowergprobability
Agentg✔✔Angindividualgwhogisglicensedgtogsell,gnegotiate,gorgeffectginsurancegcontractsgongbehalf
ofganginsurer.
,Aleatoryg✔✔Agcontractgingwhichgparticipatinggpartiesgexchangegunequalgamounts.gInsurance
contractsgaregaleatorygingthatgthegamountgtheginsuredgwillgpaygingpremiumsgisgunequalgtogthe
amountgtheginsurergwillgpaygingthegeventgofgagloss.
AliengInsurerg✔✔AnginsurancegcompanygthatgisgincorporatedgoutsidegthegUnitedgStates.
Alzheimer'sgDiseaseg✔✔Agdiseasegthatgcausesgthegvictimgtogbecomegdysfunctionalgduegto
degenerationgofgbraingcellsgandgseveregmemorygloss.
Ancillaryg✔✔Additional,gmiscellaneousgservicesgprovidedgbygaghospital,gsuchgasgx-rays,
anesthesia,gandglabgwork,gbutgnotghospitalgroomgandgboardgexpenses.
ApparentgAuthorityg✔✔Thegappearancegorgthegassumptiongofgauthoritygbasedgongthegactions,
words,gorgdeedsgofgthegprincipalgorgbecausegofgcircumstancesgthegprincipalgcreated.
ApprovedgAmountg✔✔ThegamountgMedicaregdeterminesgtogbegreasonablegforgagservicegthatgis
coveredgundergpartgBgofgMedicare.
, Assignmentg✔✔Agclaimgtogagprovidergorgmedicalgsuppliergtogreceivegpaymentsgdirectlygfrom
Medicare.
AttainedgAgeg✔✔Thegagegofgtheginsuredgatgagdeterminedgdate.
AttendinggPhysiciangStatementg(APS)g✔✔Agstatementgusuallygobtainedgfromgthegapplicant's
doctor.
Avoidanceg✔✔Agmethodgofgdealinggwithgriskg(e.g.gifgagpersongwantedgtogavoidgthegriskgofgbeing
killedgingangairplanegcrash,ghe/shegmightgchoosegnevergtogflygingagplane).
BasicgHospitalgExpensegInsuranceg✔✔Coveragegthatgprovidesgbenefitsgforgroom,gboardgand
miscellaneousghospitalgexpensesgforgagcertaingnumbergofgdaysgduringgaghospitalgstay.
BasicgMedicalgExpensegInsuranceg✔✔Coveragegforgdoctorgvisits,gx-rays,glabgtests,gand
emergencygroomgvisits;gbenefits,ghowever,gareglimitedgtogspecifiedgdollargamounts.
Beneficiaryg✔✔Thegpersongwhogreceivesgthegproceedsgfromgthegpolicygwhengtheginsuredgdies.
g g g g g
22/2023) Rated A+ g g
Accidentg✔✔Angunplannedgunforseengeventgwhichgoccursgsuddenlygatgangunspecifiedgplace
Accidentginsuranceg✔✔Agtypegofginsurancegthatgprotectsgtheginsuredgagainstglossgduegtogan
accidentalgbodilyginjury
Accidentalgbodilyginjuryg✔✔Unplannedgunforseengtraumaticginjurygtogthegbody
AccidentalgDeathgandgDismembermentg✔✔Anginsurancegpolicygwhichgpaysgagspecifiedgnumber
orgspecifiedgmultiplegofgtheginsurer'sgbenefitgifgtheginsuredgdies,glosesghis/hergsight,gorglosesgtwo
limbsgduegtogangaccident.
AcquiredgImmunodeficiencygSymdromeg✔✔Anginfectiousgandgincurablegdiseasegcausedgbygthe
humangimmunodeficiencygvirusg(hiv)
Activitiesgofgdailyglivingg✔✔Activitiesgindividualsgmustgdogeverygdaygsuchgasgmovinggabout,
gettinggdressed,geating,gbathing,getc.
,Actualgchargeg✔✔Thegamountgagphysiciangorgsuppliergactuallygbillsgforgagparticulargservicegor
supply.
Adhesiong✔✔Agcontractgofferedgongag"takegitgorgleavegit"gbasisgbyganginsured,gingwhichgthe
insured'sgonlygoptiongisgtogacceptgorgrejectgthegcontract.gAnygambiguitiesgingthegcontractgwillgbe
settledgingfavorgofgthegimsured.
Admittedg(Authorized)gInsurerg✔✔Anginsurancegcompanygauthorizedgandglicensedgtogtransact
businessgingagparticulargstate.
AdultgDaygCareg✔✔Agprogramgforgimpairedgadultsgthatgattemptsgtogmeetgtheirghealth,gsocial,gand
functionalgneedsgingagsettinggawaygfromgtheirghomes.
AdversegSelectiong✔✔Thegtendencygofgrisksgwithaghighergprobabilitygofglossgtogpurchasegand
maintainginsurancegmoregoftengthangthegrisksgwhogpresentglowergprobability
Agentg✔✔Angindividualgwhogisglicensedgtogsell,gnegotiate,gorgeffectginsurancegcontractsgongbehalf
ofganginsurer.
,Aleatoryg✔✔Agcontractgingwhichgparticipatinggpartiesgexchangegunequalgamounts.gInsurance
contractsgaregaleatorygingthatgthegamountgtheginsuredgwillgpaygingpremiumsgisgunequalgtogthe
amountgtheginsurergwillgpaygingthegeventgofgagloss.
AliengInsurerg✔✔AnginsurancegcompanygthatgisgincorporatedgoutsidegthegUnitedgStates.
Alzheimer'sgDiseaseg✔✔Agdiseasegthatgcausesgthegvictimgtogbecomegdysfunctionalgduegto
degenerationgofgbraingcellsgandgseveregmemorygloss.
Ancillaryg✔✔Additional,gmiscellaneousgservicesgprovidedgbygaghospital,gsuchgasgx-rays,
anesthesia,gandglabgwork,gbutgnotghospitalgroomgandgboardgexpenses.
ApparentgAuthorityg✔✔Thegappearancegorgthegassumptiongofgauthoritygbasedgongthegactions,
words,gorgdeedsgofgthegprincipalgorgbecausegofgcircumstancesgthegprincipalgcreated.
ApprovedgAmountg✔✔ThegamountgMedicaregdeterminesgtogbegreasonablegforgagservicegthatgis
coveredgundergpartgBgofgMedicare.
, Assignmentg✔✔Agclaimgtogagprovidergorgmedicalgsuppliergtogreceivegpaymentsgdirectlygfrom
Medicare.
AttainedgAgeg✔✔Thegagegofgtheginsuredgatgagdeterminedgdate.
AttendinggPhysiciangStatementg(APS)g✔✔Agstatementgusuallygobtainedgfromgthegapplicant's
doctor.
Avoidanceg✔✔Agmethodgofgdealinggwithgriskg(e.g.gifgagpersongwantedgtogavoidgthegriskgofgbeing
killedgingangairplanegcrash,ghe/shegmightgchoosegnevergtogflygingagplane).
BasicgHospitalgExpensegInsuranceg✔✔Coveragegthatgprovidesgbenefitsgforgroom,gboardgand
miscellaneousghospitalgexpensesgforgagcertaingnumbergofgdaysgduringgaghospitalgstay.
BasicgMedicalgExpensegInsuranceg✔✔Coveragegforgdoctorgvisits,gx-rays,glabgtests,gand
emergencygroomgvisits;gbenefits,ghowever,gareglimitedgtogspecifiedgdollargamounts.
Beneficiaryg✔✔Thegpersongwhogreceivesgthegproceedsgfromgthegpolicygwhengtheginsuredgdies.
