Target Risk. (1) Certain high-value bridges, tunnels, and fine art collections that are excluded from an automatic reinsurance contract to permit specific handling of the capacity problem and to release the reinsurer from the potential heavy accumulation of liability on any one risk. (2) A large, hazardous risk on which insurance is difficult to place. (3) A large, attractive risk that is considered a target for competing insurance companies. (G) Tariff Rate. A rate established by a rating organization, which comes from the tables, schedules and rules found in the tariff of rates. (G) Temporary Agent. A person who is licensed to act as an agent for a brief period of time (usually 90 days) without taking a written examination. Temporary licenses are commonly granted to allow someone to continue the business of an agent who has died, become disabled, or entered active military service. (G) Term. The period of time for which a policy or bond is issued. (G) stupsertod, stupgr1, stup16site