Principles of Risk Management and Insurance, 13th Edition

V

• Valuable papers and records coverage form, 567

• Value at risk (VAR), 85–86

• Valued policy, 172–173

• Valued policy laws, 173

  • states with, 186(n2)

• Value reporting form, 556–557

• Vandalism

  • homeowners insurance and, 490

  • prevention, for small business, 610

• Vanguard Group, 100, 296, 371

• VAR (value at risk), 85–86

• Variable annuity, 283–285, 287–288

  • administrative charge, 285

  • annual contract fee, 285

  • fees and expenses, 284–285

  • guaranteed death benefit, 283–284

  • guaranteed lifetime withdrawal benefits, 284

  • guaranteed minimum accumulation benefit, 284

  • guaranteed minimum income benefit, 284

  • guaranteed minimum withdrawal benefits, 284

  • investment management charge, 285

  • mortality and expense risk charge, 285

  • surrender charge, 285

• Variable life insurance, 216 ...