Definitions for

**"Reciprocal"**The quotient arising from dividing unity by any quantity; thus 1/4 is the reciprocal of 4; 1/(a + b) is the reciprocal of a + b. The reciprocal of a fraction is the fraction inverted, or the denominator divided by the numerator.

The number which, when multiplied times a particular fraction, gives a result of 1.

Expressions, relations, or fractions that are opposite. Example: 1/2 is the reciprocal of 2/1

Done by each to the other; interchanging or interchanged; given and received; due from each to each; mutual; as, reciprocal love; reciprocal duties.

Mutually interchangeable.

Reflexive; -- applied to pronouns and verbs, but sometimes limited to such pronouns as express mutual action.

something (a term or expression or concept) that has a reciprocal relation to something else; "risk is the reciprocal of safety"

An insurance organization in which each insured assumes a share of the risk brought to the organization by other insureds.

Some domiciles allow risk retention groups to be formed as reciprocals. A reciprocal risk retention group is an unincorporated association of individuals or entities that exchange contracts of insurance through an attorney-in-fact, which acts as an agent or manager. In a reciprocal, profits (including investment income) and losses are allocated back to each member's subscriber savings account. Essentially all income (and the related income tax) reverts back to the members. Thus, the reciprocal structure may provide a tax advantage to groups whose members are non-profit entities. An attractive feature of reciprocals is that new policyholders can join in a way that is fair to both them and long-standing policyholders because of the way profits and surplus contributions are accounted for. Reciprocals can also be more flexible because each one is different, based on the membership agreements and bylaws. Reciprocals are governed by a few basic provisions, so management is free to be creative and draft agreements that fit its particular purpose. [Contributed by Ken Carlton, Milliman

Recurring in vicissitude; alternate.

alternating, as feet alternate in walking

**Keywords:**counterpart

The counterpart.

hybridization involving a pair of crosses that reverse the sexes associated with each genotype

Performed, experienced, or felt by both parties or sides in a relationship.

heading 180° from that intended

That which is reciprocal to another thing.