> For the complete documentation index, see [llms.txt](https://milonics.gitbook.io/api-documentation/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://milonics.gitbook.io/api-documentation/build-with-insurpass/definitions.md).

# Definition of Terms

## Product

**Beneficiary:** is an additional individual(s) that a principal customer wants to add under the insurance plan purchased by the principal customer. These beneficiaries can include family members. ***Note:*** a principal customer is only allowed to add up to 3 people as beneficiaries for an insurance plan.

**Initiate Token:** This is the token sent to the Merchant who uses it to validate a Principal customer's subscription.

**Merchant:** a merchant is another name for our partners (digital platforms) who are integrating with Insurpass API. It can also be referred to as '3rd Party app'

**Policy Number:** A unique identification number issued to each customer who has purchased an insurance plan.

**Principal Customer**: is an individual who is purchasing an insurance plan both for themselves and on behalf of other individuals who would serve as his/her beneficiaries.

**Top-up Subscription:** This can also be referred to as Renew Subscription or Policy Renewal.

## Credit Life insurance

**Premium**:

The amount paid for the subscription to this insurance plan. This amount can be paid in installments (**regular premium**) or in full at once **(single premium).**

**Sum assured**:

The Sum Assured is the original loan amount/outstanding loan balance taken from the financial institution


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