A distribution satisfies the monotone-hazard-rate
(MHR) condition if its hazard rate, f(v)/[1 – F(v)], monotonically
increases within its support. The MHR property is
satisfied by most single-peaked distributions, such as uniform,
normal, and logistic.

(http://gatton.uky.edu/faculty/dliu/papers/JMAuctionKeywords.pdf)

ps в словаре В Я Факова "Страхование" benefit - страховая выплата, пенсионное пособие.