Costs count: a Best's Policy Reports survey examines the costs incurred with the life insurance portion of variable universal life policies

Article Abstract:

The costs incurred by the life insurance portion of a variable universal life policy can be substantial, although they are often overlooked in comparisons that usually focus on fund performance. Charges incurred by the policyholder include the charge for the death benefit, policy loads and fees, and administrative charges known as mortality and expense charges. A chart comparing the costs created by the policies of many different companies is provided.

Direct Life Insurance Carriers, Life insurance, Variable Life & Equity Insur, Variable life insurance

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Survivorship life policy survey

Article Abstract:

The market for survivorship life insurance is becoming saturated. Insurers market these policies mainly to married couples who have large estates and who wish to preserve capital when the second spouse dies. The results of A.M. Best's survey of 41 life insurance products are presented. The information provided includes the premium structure, issue amounts, substandard risks, fees and surrender charges.

Life insurance, Contracts, Insurance policies

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