Life Insurance Basics
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Life Insurance Basics
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Author : Rameshwar Kumar
language : en
Publisher: Independently Published
Release Date : 2023-05-23
Life Insurance Basics written by Rameshwar Kumar and has been published by Independently Published this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-05-23 with categories.
Life insurance is a financial tool that provides protection and financial security to individuals and their loved ones in the event of the policyholder's death. It is designed to offer peace of mind by ensuring that dependents are taken care of financially, even when the policyholder is no longer there to provide for them. One of the key features of life insurance is the death benefit. This is the amount of money that is paid out to the beneficiaries named in the policy upon the death of the insured person. The death benefit can be used to cover various expenses, such as funeral costs, outstanding debts, mortgage payments, and daily living expenses. There are different types of life insurance policies available, with the two main categories being term life insurance and permanent life insurance. Term life insurance provides coverage for a specific period, typically ranging from 10 to 30 years. If the policyholder passes away during the term, the death benefit is paid out to the beneficiaries. However, if the policy expires and the insured person is still alive, there is no payout. Permanent life insurance, on the other hand, provides coverage for the entire lifetime of the insured person, as long as the premiums are paid. This type of policy also includes a savings component known as cash value. The cash value grows over time and can be accessed by the policyholder during their lifetime through loans or withdrawals. When considering life insurance, it is essential to determine the appropriate coverage amount. This depends on various factors, including the policyholder's income, financial obligations, and the needs of their dependents. It is recommended to evaluate existing debts, future expenses (such as college tuition), and ongoing living costs to determine an adequate coverage amount. To obtain life insurance, an individual typically needs to go through an application process that involves providing personal and medical information. The insurance company assesses the applicant's risk profile based on factors such as age, health, lifestyle, and occupation. The insurer then determines the premium, which is the amount the policyholder pays periodically to keep the policy in force.
Fundamentals Of Life Insurance Theories And Applications
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Author : KANINIKA MISHR
language : en
Publisher: PHI Learning Pvt. Ltd.
Release Date : 2016-07-06
Fundamentals Of Life Insurance Theories And Applications written by KANINIKA MISHR and has been published by PHI Learning Pvt. Ltd. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-07-06 with Business & Economics categories.
Human life, in all its manifestations, has immeasurable social and economic value. Since ancient times, human beings have tried to put in place systems to sustain and flourish in the face of adversity. In modern times, life insurance is one such financial arrangement that provides social and economic security to individuals and to the communities. Awareness of the basic features and categories of insurance is important in today’s life insurance market where all companies are offering a number of innovative products with multiple features. Divided into three parts, this book incorporates the basics of life insurance, risk management, and health and micro-insurance, in detail. Part I (Concepts, Principles and Processes) systematically defines life insurance, its legal contract and characteristics, marketing and distribution processes involved, and the future trends. Part II (Risk Management, Underwriting, Reinsurance and Claims) explicates the importance of risk management, the process of underwriting, and the types and concepts of reinsurance and claims. Part III (Employee Benefits, Pensions, Annuities, Micro-insurance and Health Insurance) covers allied topics, such as pension products, micro-insurance and health insurance which are increasingly becoming important for the industry for both the social and commercial perspectives.
Understanding Life Insurance
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Author : Jarvis Fleegle
language : en
Publisher:
Release Date : 2021-05-17
Understanding Life Insurance written by Jarvis Fleegle and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-05-17 with categories.
Life insurance is a contract between you and an insurance company to provide you with coverage based upon your timely payment of premiums. Life insurance provides a death benefit to your named beneficiary (usually a spouse) upon your death. When you pass away, your beneficiary files a claim with the insurance company to submit proof (a death certificate) of your passing. If there is an agent who usually works with your family, your beneficiary can contact the agent who will help him or her complete the necessary paperwork. Or, your beneficiary can contact the insurance company directly and a claims representative will instruct him or her on what to do. After the insurance company receives all the documents, then your beneficiary will be issued the death benefit payout. When you buy life insurance, you enter a contract with an insurance company that promises to provide your beneficiaries with a certain amount of money upon your death. In return, you make periodic payments, called premiums. There are many things to consider when it comes to getting a life insurance policy that can help protect your family's future financial needs. In this book, the author will take you through every single aspect of life insurance
Life Insurance Basics For The Agent
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Author :
language : en
Publisher:
Release Date : 1967
Life Insurance Basics For The Agent written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1967 with Life insurance categories.
Life Insurance
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Author : Gary R. Lee (J.D.)
language : en
Publisher:
Release Date :
Life Insurance written by Gary R. Lee (J.D.) and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on with Life insurance categories.
"... is a guide to the evaluation, selection, and purchase of life insurance. The portfolio provides a brief section on life insurance basics and a description of the tax preferences life insurance enjoys. The portfolio then provides a detailed analysis of the six basic questions that an insured and his or her advisor should ask when purchasing life insurance"--Portfolio description sheet (p. iii).
The Basics Of Life Insurance
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Author : Kirk G Meyer
language : en
Publisher: CreateSpace
Release Date : 2014-03-15
The Basics Of Life Insurance written by Kirk G Meyer and has been published by CreateSpace this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-03-15 with Business & Economics categories.
There are two main types of life insurance with several variations of each type. Life insurance can be classified as a term or permanent policy. At least that is the simplified explanation of the two types of life insurance commonly offered. The most common life insurance policies can be placed into the following categories: term, whole life, universal life, variable life, and variable universal life. Each one of these insurance policies has a place in one's life and at different times in someone's life, they may have need of one or a combination of these types of insurance products. Depending on your circumstances, you may or may not even have a need for life insurance. Everyone's situation is different and therefor the need for life insurance will vary dramatically from individual to individual and from family to family. In order for life insurance to be effective and useful there are many things that need to be considered when buying a policy. In The Basics of Life Insurance we will examine the difference between term and permanent life insurance, the differences between the various types of permanent insurance, and what products are right for those seeking life insurance. This is booklet is a good dtarting point for those who have general questions about life insurance. Buy your copy today.
Life Insurance 101 The Basics Of Life Insurance Explained
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Author : D. W. Lindsey
language : en
Publisher:
Release Date : 2023-10-12
Life Insurance 101 The Basics Of Life Insurance Explained written by D. W. Lindsey and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-10-12 with categories.
Does the concept of life insurance give you a headache? Have you put off getting life insurance because you don't know how to get started? Are you unable to properly appreciate the life insurance plans you've bought or that someone else purchased for you? If you answered yes to any or all of these questions, this book can help you solve your life insurance troubles and may save you a large amount of money.
A Guide To Life Insurance
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Author : Page Braver
language : en
Publisher: Independently Published
Release Date : 2021-05-24
A Guide To Life Insurance written by Page Braver and has been published by Independently Published this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-05-24 with categories.
Over the past five years, the individual life insurance industry has experienced slowed growth in the face of economic headwinds and frequent marketing ineffectiveness. Further, interest rates remain low in an effort by the government to encourage discretionary spending. As a result, many consumers have indicated a renewed desire to purchase financial products, with Life Insurance representing one of the ripest areas for potential growth. The most simple to understand life insurance guide out there. Learn the basics of life insurance and different types of products. Most importantly this book will show you how to do your life insurance shopping the right way.
The Essence Of Life Insurance
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Author : William Breiby
language : en
Publisher:
Release Date : 1924
The Essence Of Life Insurance written by William Breiby and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1924 with Life insurance categories.
Life Insurance Basic Handbook Permanent Life Insurance Policies
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Author : Rogelio Aller
language : en
Publisher:
Release Date : 2021-06-03
Life Insurance Basic Handbook Permanent Life Insurance Policies written by Rogelio Aller and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-06-03 with categories.
Life insurance is a contract between an insurer and a policyholder. A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured policyholder dies, in exchange for the premiums paid by the policyholder during their lifetime. This book is both an effective and efficient overview while being respectful of your time. Many will be able to complete. This book in less time than the average flight Our message is simple: there is no "one-size-fits-all" approach to life insurance, and the key to success is consumer education. This book is not just a life insurance guide for the affluent client, but also a resource for any buyer or client advocate involved in the purchase or maintenance of large insurance policies. If you are a licensed life insurance advisor, we believe that TREAD LIGHTLY is a unique way to communicate with your clients while showing them that you are committed to providing industry-leading service and explanation.
