Proof of loss must never be recieved later than {Ans: one year from the date otherwise required, unless the insured suffers legal incapacity}Capital Sum {Ans: Benefit paid for Dismemberment}Principal Sum {Ans: payment for loss of life by accident}Participating Policy {Ans: Policy which provides for the insured to share any surplus declared by the company}Fair Credit Reporting Act {Ans: Must advise people that reports and or medical reports on them are being requested}Entire Contract {Ans: Policy, its endorsements, a copy of the app, if attached, and a copy of any other attached papers}