Life Insurance: A Consumer's Handbook"It is almost impossible not to learn from this book.... " --Journal of American Society of CLU "... clear and helpful guide to American law... Dworkin's calm and sensible approach should be heeded gratefully..." --Times Literary Supplement A new and completely updated edition of Joseph Belth's classic work on life insurance. The major message is that the consumer can save thousands of dollars by shopping carefully for life insurance. |
Contents
Introduction | 1 |
Major Types of Life Insurance | 18 |
Other Types of Life Insurance | 33 |
The Savings Component in CashValue | 48 |
How to Select an Appropriate Type of Life | 62 |
The Price of Life Insurance | 76 |
Life Insurance Contract Provisions | 93 |
Contract Provisions in OneYear Renewable | 110 |
Buying Life Insurance Without an Agent | 137 |
The Life Insurance Purchase | 146 |
After the Life Insurance Purchase | 161 |
How to Evaluate an Existing Life Insurance Policy | 168 |
Conclusion | 180 |
A Computation of Present Values | 195 |
Addresses of State Insurance Regulatory Officials | 202 |
E Formula for Yearly Rates of Return | 208 |
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Common terms and phrases
A. M. Best Company annual percentage rate annual premium annuity Appendix assume beneficiary buyers calculations cash value cash-value life insurance cash-value policies Commissioner of Insurance company's consider contract conversion death benefit decreasing term disclosure discussed in Chapter dividend earnings Ellettsville endowment evidence of insurability example expenses figures formula front-end load funds hypothetical illustrated income tax inside interest insurance agents insurance business Insurance Commissioner Insurance Company Insurance Forum insurance needs insurance policy insurance protection loan interest rate mium Mutual Life Insurance one-year renewable term P. O. Box paid pany pay premiums payable payments percent interest policies issued policy loan interest policyowner premium rates present value protection component purchase rate of return recently completed policy renewable term policy replacement rider savings account savings component settlement options Social Security straight life policy surance term coverage term life insurance tion waiver-of-premium yearly price yearly rate