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BASIC INSURANCE PRINCIPLEs
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accumulation actuarial adequate adverse selection amount of insurance ance annual annuity payments application assignment basis beneficiary calculations cash value cent claims computed contingent beneficiaries continued cost coverage covered creditors death dependents designated determined disability benefits distribution dividend double indemnity earnings effect employees endowment policy face amount factor fund guaranteed income policy incontestable clause increase individual installments insurable interest insurance companies insurance contract insurance policy insurance program insurance protection investment issued level premium lives lump sum ment mium monthly mortality experience mortality table needs nonforfeiture old age option paid paid-up payable period person policyholder premium payments present value proceeds purchase refund represents reserve retirement risk savings selection settlement single premium sixty-five social security standard statutes surance survivors term insurance tion total disability underwriter unem unemployment unemployment insurance usually whole life insurance wife written