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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Summary
There are enormous cost variations among similar life insurance policies. Purchase of a high-cost policy can cost thousands of extra dollars over the insured’s lifetime for the same amount of insurance protection.
The traditional net cost method for determining the cost of life insurance is defective because it ignores the time value of money, and the insurance is often shown to be free.
The interest-adjusted method is a more accurate method for determining the cost of life insurance. The time value of money is taken into consideration by applying an interest factor to each element of cost. If you are interested in surrendering the policy at the end of a certain period, the surrender cost index is the appropriate cost index to use. If ...
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I'm always learning. So when I got on to O'Reilly, I was like a kid in a candy store. There are playlists. There are answers. There's on-demand training. It's worth its weight in gold, in terms of what it allows me to do.