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Sunday, October 2, 2011

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The profits policies:
Main article: The for-profit policies

Some policies allow the policyholder to participate in the profits of insurance companies to participate in the profits policy. Other politicians have no right to participate in the profits of the company, a non-profit policy.

The policy of profit as a kind of collective investment to achieve capital growth. Other policies do not offer guaranteed returns on investment performance in the primary, often referred to as without-profit policies, which can be interpreted as a misunderstanding.

Investment Bonds
Main article: Bond Insurance

Pensions: Pensions are a form of life insurance. Although the basic life insurance, permanent health insurance and retirement pension includes the amount of business, the risk of mortality and morbidity in the insurance, pensions, longevity risk.

The pension is based on the entire life. When someone retires, the pension payment will be and will buy some time in the retirement annuity contract, which guarantees a certain payment every month until death.
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Superior products and pre-need: The company  insurance have developed in recent years to offer products for niche markets, specifically targeting the senior market to meet the needs of  aging population. Many companies offer policies tailored to the needs of senior applicants. These are often low to moderate face value whole d  life insurance so that insurance for the elderly  buy a question of age the opportunity to  buy affordable insurance. This can also be marketed as the  final expense insurance, and an agent or company may suggest (not require) that the product of a policy could be used para end of life expenses.

Pre-need (or prepaid) sources d  insurance: whole life insurance is that, although available for all ages, are usually offered to older applicants as well. This type  insurance is specifically designed to cover the cost of  funeral when the insured dies. In many cases, the candidate signs an agreement pre-funded funeral with a funeral of a policy of time is requested. The funds are then sure of death  be directed to  first to the provider of funeral services for payment of services rendered. Most contracts require that excess revenue goes to both the property  insured or a designated beneficiary.
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The competitors are changing the Police  provide added at the same time, policy issues. These changes will ensure players the basic principles set by the policy functions. Common Rider is accidental death, which was commonly referred to as  double damages , which pays two times greater than the nominal value of the policy if death results from accidental causes, as if a full coverage policy and an accidental death policy to follow in  assured. Another common rider is  waiver of premiums, which renounces  future contributions, if you  insured becomes disabled.

Security equipment is permanently or prolonged delivery of two or more lives with the income payable on first death or second death.

Life of survival: it  is a whole life policy for delivering two of the influences of life to another (later) death.

Single premium whole life: it  is the policy of  single premium on time because of policy issues.

Updated during the whole life:  is a policy that u200b u200boplaty for lower premiums for life, a period of time after which the increase in contributions to the end of this policy. group life insurance: to  is  period of insurance, covering a group of people, as a rule workers  company or members of the u200b u200b , union or association. Proof  individual insurance n  not usually considered to be in insurance. Instead,  the insurer believes the size and number of  Business Group, and financial strength of the group. Provisions of the Agreement will be tried  rule out the possibility of negative selection. Group life insurance is often a provision of  member of the group is entitled  cover buy  individual insurance.
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Accidental  life insurance death is limited, which is designed to cover the  insured when they pass away due to  an accident. Accidents include anything  injury, but typically cover any deaths resulting from health problems or suicide. Because  they only cover accidents, these policies are much cheaper than  life time.

It is also often offered as  \\, accidental death and dismemberment , also known as an development policy. In AD development policy, benefits are available not only in the event of accidental death, but also loss of limbs or bodily functions such as sight and  hearing, etc.

Accidental death and policies very rarely pay a benefit, the cause of death is not covered, or coverage n  n  is not maintained after  an accident, until  to , death. To be aware of what the coverage  they have, an insured should always review their policy for this  that  it covers and what  it excludes. Often it does not cover  begins insured risk in activities such as skydiving, flying  an airplane, professional sports, or  ; involvement in a war (military or not). In addition, some insurers exclude death and injury caused by proximate causes due to (but not limited to) racing on wheels and  mountaineering.

Accidental death benefits can also be added to a policy of  Standard Life as a rider. If this rider is purchased, the policy will generally pay double the face amount if  insured dies in an accident. This habit of  be commonly known as double indemnity coverage. In some cases, some companies may even offer a triple indemnity cover.
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Endowments are policies where the cash value built up inside the policy, equals the death benefit (face amount) of a certain age. Age this begins is known as the endowment age. Endowments are considerably more expensive (in terms of annual premiums) than either whole life or universal life because the premium paying period is shortened and the endowment date is earlier.

In the United States tightened Technical Corrections Act of 1988 rules on tax shelters (creating modified endowments). These follow tax rules as annuities and IRAs do.

Endowment is paid whether the insured lives or dies, after a certain period (eg 15 years) or a specific age (eg 65).
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Depending on how the  interest is credited, the internal rate of return are higher because it moves with the rate  current interest (interest sensitive) or financial markets (equity indexed annuity Universal and Variable Universal Life). Mortality costs and administrative burdens are known. And the current value can be considered easier to achieve because the owner can discontinue premiums if the cash value allows it.

Flexible death benefit means that the owner of the policy may choose to reduce the death benefit. The death benefit can also be increased by the holder of the contract, but (usually) require that  go performed by the subscription of news. Another example of a flexible death benefit is the ability to choose  Option A death or  option B - and these options are able to change during the life of  assured.

Option A is often referred to as a death benefit level. In general, the death benefit remains at the life of  insured and premiums should be lower with a political death benefit Option B.

Option B pays the face amount plus the cash value. If the cash value grow over time, it would be the death benefit paid to beneficiaries of  assured. If the lower current value, it would also reduce the death benefit. Presumably Option B death benefit policies require a higher premium than the  option  policy.
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Universal life (UL) is a relatively new insurance product designed to provide continuous insurance coverage and greater flexibility in premium payment of any greater increase in cash value. There are several types of universal life insurance policy, which includes the  rate-sensitive  (also known as  traditional fixed universal life insurance ), variable universal life (Vul), a guaranteed death benefit, and equity indexed universal life insurance.

Universal life insurance is included for cash. Fee income growth of cash values, but the cost of insurance (and other charges by the insurance company) would reduce monetary value. But apart from Vul, interest credited to cash value of the company by a specified amount of cash value increases. The Vul, monetary value in relation to the ebb and flow of political power to the owner of the investment subaccounts selected. The redemption value of the policy, the amount to be paid to the policyowner qualify for the buy-back fee, if any.

Universal life insurance contracts with the perceived disadvantages of whole life - so that premiums and death benefit are fixed. Universal life premiums and death benefit flexibility. Except in relation to the guaranteed death benefit universal life, this flexibility comes at a price: a reduced warranty.
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The values of  money may be available at any time through policy  ready  and received  free to  tax. Since these loans decrease the death benefit if n  is not repaid, the return is mandatory. L  money to support the value of the death benefit so that the death benefit is paid.

Dividends can be used in several ways. All d  First, if you paid additives is chosen, the value of  money dividends buy additional death benefit, which will increase the death benefit to a designated recipient policy. Another alternative is to choose the  reduced contributions  on certain policies. This reduces the premiums payable by the amount of the dividend not guaranteed. The third option allows the  user to  enter the payment of dividends. (Although, with some of the principles of the performance of other options / different / less than that - it varies from  a company in some cases)
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whole life insurance rates

ermanent life insurance is life insurance which remains in force (in-line) until the policy matures (pays), unless the owner does not pay the premium when due (the policy expires or policies lapse). The policy may not be canceled by the insurer for any reason except fraud in the application, and that the termination should be made within a period of time defined by law (usually two years). Permanent insurance builds a cash value that reduces the amount of risk to the insurance company and thus the insurance expense over time. This means that a policy with one million U.S. dollars face value can be relatively expensive for a u200b u200b70 years old. The owner can access the money in the cash value of withdrawing cash, borrowing the cash value or surrender the policy and receiving the surrender value.

The four basic types of permanent insurance are whole life, universal life, limited pay and endowment insurance.
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The annual term of office is one year warranty policy, but the insurance company to the policy amount of money equal to or less regardless of insurance premiums for the insured and the insured is adjusted for age.

Another common type of nursing care insurance is mortgage insurance, which is usually a level premium, declining face value policy. Nominal value is the amount of the mortgage on owner policy  residence and thus so that the mortgage is paid out if the insured dies.

Policyholder insures your life for a certain period of time. If you need some time is set (with the exception of suicide, see below) dies, his wealth or the designated beneficiaries receive withdrawals. If you do not die before the deadline, he gets nothing. But in some European countries (especially Serbia), it is insurance that the policyholder amount of money, which has the same amount of insured or uninsured in the past few years, receives remuneration. Suicide were excluded from all insurance policies [when?] But after a series of judgments against the industry, no withdrawals due to death by suicide (presumably except for rare cases, you can show that suicide only benefit policy). In general, if the insured commits suicide within the first two years of insurance, the insurer will pay premiums. However, the death benefit is usually paid out, if the suicide occurs after a period of two years.
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