Universal life five-year history

Article Abstract:

A five-year survey of universal life to determine the rate and values of a typical policy is presented. The policies analyzed were written by life insurance companies that, at a minimum, had $500 million of ordinary life insurance in force, had an income from ordinary life insurance premia of $7 million, and wrote $200 million of ordinary life insurance in 1991. Statistics are based on a $100,000 policy with an annual premium of $1,500 for a 45-year-old male. Statistics include accumulation value, surrender value, and renewal interest.

Insurance agents, brokers, & service

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10-year dividend comparisons

Article Abstract:

The dividends that policyholders received from $50,000 ordinary whole life insurance policies issued by 60 life insurers in 1982 were compared over a 10-year period. The insurers were separated into two groups based on whether they wrote more or less than $100 million of direct premiums. Connecticut Mutual Life was the leading company in terms of the actual payment index in the $100-million-or-over category, while Columbus Life was the leader in the under-$100-million category between 1982 and 1992.

Evaluation, Economic aspects, Dividends, Whole life insurance

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20-year dividend comparisons

Article Abstract:

A comparison of dividends paid by 58 major life insurance companies to policyholders of $25,000 ordinary whole life policies issued in 1972 is presented. The companies are divided into two groups: those having a minimum of $100 million of ordinary life direct premiums written and those having less. The original dividend scale for each policy is given, as are the dividends paid on each policy over the last 20 years.

Securities

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