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Insurance

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Term insurance survey annual renewable and 10-year level

Article Abstract:

There were $.61 billion in individual term direct premiums written by life insurance companies during 1995. Term insurance is usually marketed to new, young, middle market customers. Policy premiums remained unchanged in 1995 from 1994 for annually renewable term insurance and 10-year level term insurance. Term insurance sales will probably increase because of successful marketing by banks. Term insurance prices have remained low but may increase in the near future.

Marketing

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Cash value life helps middle-income clients

Article Abstract:

Cash value life insurance policies offer tax-related benefits to middle-income persons. Two policies, the single premium life insurance policy (SPL) and flexible premium life policy, allow clients to access funds tax-free. The SPL protects assets from creditors and probate and enhances assets. The flexible premium life policy, recommended for persons under the age of 50, allows the distribution of tax-free no-cost loans and tax shelter growth.

Evaluation, Product information, Single-premium life insurance, Single premium life insurance, Cash value life insurance

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