Which term indicates the total money the insurer expects to earn from a policy over its term?

The term that indicates the total money the insurer expects to earn from a policy over its term is known as written premium. This represents the total amount of premium that an insurance company has underwritten during a specific period, which is essentially the income the insurer expects to receive from policyholders in exchange for coverage.

Written premium captures the full premium amount for all policies issued within a given time frame, regardless of how much of that premium has already been earned or is still outstanding. This is important for the insurer as it reflects projected revenue, which aids in financial forecasting and reserving for claims.

The other terms are related to different aspects of premium management. For example, unearned premium refers to the portion of the premium that has not yet been earned because the coverage period has not yet expired. Deposit premium is typically a preliminary amount paid at the start of coverage that may be adjusted later. Adverse premium is not a standard term in insurance contexts and does not relate to expected earnings from a policy. This contrasts with written premium, which accurately encapsulates the expected income from an insurance policy throughout its lifecycle.