Annual renewable term comparison

Article Abstract:

A review of 129 annual renewable term life insurance polices was conducted. These types of policies guarantee that policyholders can renew them every year. The premium is based on the policyholder's life expectancy, but it cannot be increased as a result of a policyholder's adverse physical condition. The premiums in the study are based on 35-year-old male and female policyholders who have purchased 20-year policies with a face amount of $250,000.

Insurance policies

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Variable annuities survey: spectacular results fuel premium growth

Article Abstract:

Variable annuities performed extremely well in the first half of 1995, and the gains made during those six months will carry the market to excellent gains during the year overall. Premiums did experience a 2.07% decline compared to 1994, but many investors have returned to the market after a few shaky moments. Investors seeking good returns on variable annuities should remember that the high costs of such funds necessitate long-term investment.

Investment advice, Annuity Insurance, Securities Investment Advice, Insurance industry, Investment advisers, Annuities, Variable annuities

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Universal life insurance five-year historical performance survey

Article Abstract:

A.M. Best's historical performance survey compares the ability of the universal life insurance company to keep expenses low and maintain interest rates during 1996 and five years into the future. The 1996 survey compares 77 major universal life insurance plans and their values from 1991. Universal life insurance company earnings are the result of the difference between company earnings on investments and credits to policyholders.

Life Insurance, Valuation, Universal life insurance

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