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Across 2. Any personal, property, or liability risk that will cause a loss if certain events (perils) occur. (2 words) 5. The possibilities of loss due to accidents or negligence. (2 words) 7. A financial loss that can be determined. (2 words) 8. An event that may result in a loss or gain and is therefore uninsurable. (2 words) 10. a written contract 11. Higher the probability of loss, the higher the premium (4 words) 13. Putting the policyholder back in the same financial condition he or she was in before the loss occurred. 14. A trained professional salesperson who acts for the insurance company in negotiating, servicing, or writing an insurance policy. 20. The possibility of a loss that faces a person or property covered by insurance. 21. self-insuring; paying for losses personally (2 words) 22. measures taken to lessen the frequency or severity of losses that may occur (2 words)

Down 1. An unexpected reduction or disappearance of an economic value; the basis of a valid claim for repayment under the terms of an insurance policy. 2. Person paying the fee 3. The mathematics of chance and the root of indemnification. 4. avoiding situations that involve risk (2 words) 6. Any interest in life or property such that, if the life or property were lost, you would suffer financially. (2 words) 7. The insurer or risk-sharing group (2 words) 9. The possibilities of loss or harm to personal or real property. (2 words) 12. A table of premium rates based on ages and life expectancies. (2 words) 15. A person named on an insurance policy to receive the benefits (proceeds) of the policy. 16. An organized strategy for protecting assets and people to help reduce financial loss. (2 words) 17. Those possible losses involving your income and standard of living. (2 words) 18. A method of spreading the risk to protect assets and income. 19. Fee that you pay the insurer