March 2016
Intermediate to advanced
700 pages
144h 54m
English
Content preview from Principles of Risk Management and Insurance, 13th EditionBecome an O’Reilly member and get unlimited access to this title plus top books and audiobooks from O’Reilly and nearly 200 top publishers, thousands of courses curated by job role, 150+ live events each month,
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Types Of Life Insurance
From a generic viewpoint, life insurance policies can be classified as either term insurance or cash-value life insurance. Term insurance provides temporary protection, whereas cash-value life insurance has a savings component and builds cash values. Numerous variations and combinations of these two types of life insurance are available today.7
Term Insurance
Term insurance has several basic characteristics. First, the period of protection is temporary, such as 1, 5, 10, 20, or 30 years. Unless the policy is renewed, the protection expires at the end of the period.
Most term insurance policies are renewable, which means the policy can be renewed for additional periods without evidence of insurability. The premium is increased ...
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