By Bart Astor
Cliffs Notes: realizing lifestyles coverage is definitely the right instrument for somebody burdened by means of the tough language of lifestyles assurance. discover the myths and realities of coverage. Get the instruments you want to confirm what kind of plan is correct for you. Cliffs Notes: knowing lifestyles assurance offers specialist suggestion at the phrases and lingo of lifestyles assurance and should assist you decipher the language of any coverage. find out about why lifestyles assurance may be a major asset to you and your loved ones. full of details and professional tips about decoding the language of lifestyles coverage. observe the variations among time period, entire, and common lifestyles. gains recommendation on new assurance items adapted to assorted wishes. lifestyles coverage revenues have grown always considering that global battle II with revenues attaining $9.8 billion in 1997. (LIMRA, 1999)
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Additional resources for Cliffsnotes Understanding Life Insurance (Cliffs Notes)
The younger child won’t start college for another 15 years, and the parents want to make sure the children have sufficient money even if the father dies. These parents may want to keep insuring the father after he reaches the age of 70, the age at which his policy specifies that he can no longer renew his term insurance policy. To them, therefore, convertibility is an important option. Another reason you may want to be able to convert your term insurance is if your family has a history of heart disease, cancer, or other serious illness.
So in effect, the protection is less. Chapter 4: Term Insurance 37 Comparing Term Insurance Policies If you decide that term insurance is for you, the next step is to get quotes from at least three insurance companies and compare them. To help you, I’ve provided a worksheet for you to fill out. Step 2 of the worksheet asks you to find out the rating of the insurance company — see Chapter 8 for more information about ratings companies, and see the Resource Center in this book for how to obtain ratings.
Rating of insurance company ______ ______ ______ Rating from company 1 ______ ______ ______ Rating from company 2 ______ ______ ______ Rating from company 3 ______ ______ ______ Initial death benefit/ amount of insurance (Use the same amount for each company for easy comparison) ______ 4. 1st year premium ______ ______ ______ 5. Guaranteed 1st year dividend ______ Total paid first year (line 4 minus line 5) ______ ______ ______ 7. 5th year premium ______ ______ ______ 8. Estimated 5th year dividend ______ Total paid 5th year (line 7 minus line 8) ______ ______ ______ 10th year premium ______ ______ ______ 3.
Cliffsnotes Understanding Life Insurance (Cliffs Notes) by Bart Astor