Variable universal life variable life: cost of insurance

Article Abstract:

An important aspect in the selection of a variable life insurance policy is the cost of the insurance. This cost, which represents that part of the premium deducted to cover administrative charges and mortality, reduces the amount available for investment. The insurance cost depends on what methods are used to charge policyholders. For example, the attained age method charges all policyholders at the same rate. The select and ultimate mortality method use tables to determine the level of mortality charges. For example, clients would incur lower mortality charges during earlier years.

Life Insurance, Analysis, Interpretation and construction, Insurance policies

---

Flexible premium retirement annuity histories

Article Abstract:

Historical performance is the most accurate available indicator of how well a company will support its flexible premium retirement annuities (FPRA) products. The five-year performance of 79 FPRA contracts is compared, and the top 10 FPRAs, in terms of actual surrender value and actual accumulation value, are listed. Continental General Insurance is the top-ranked FPRA performer.

Annuity Insurance, Evaluation, Product information, Insurance industry, Annuities

---

Similar abstracts:

• Abstracts: Overview of international insurance. Five-year review of admitted assets
• Abstracts: Personal lines fuel growth in premiums. Net income plummets on quake aftershocks. Soft pricing, competition dampened 1995 premiums
• Abstracts: Environmental claims need careful site inspections. On-line defamation is new cybertort issue. Oil tanks can leak red on company profits
• Abstracts: Relaxing ... at the speed of light. Reinsurance broker's role expands to risk manager. Managing risk is key to brokers' survival
• Abstracts: Solid bottom line masks shifting fundamentals. Five-year outlook for life and annuity products. The challenge beyond consolidation

This website is not affiliated with document authors or copyright owners. This page is provided for informational purposes only. Unintentional errors are possible.