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Economic Bases of Life Insurance
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A.M. Best accumulated accumulation units actuarial adjusted adverse selection agent amount at risk amount of insurance annuity due applicant asset share assumptions basis beneficiary calculated capital cash value coinsurance company's computed cost coverage death benefit death claims demutualization dividends duration earnings equity-indexed annuities extra mortality face amount factors funds GAAP gross premium guaranteed illustration income increase individual insurance company insurance contract insurance policy insured's interest rate investment level premium liabilities limited liquidation method mortality table mutual NAIC needs nonforfeiture paid paid-up payable percent interest policy issued policy loans policy's policyowner portfolio premium-paying period present value primary company purchase refund regulation reinsurance Self-Test Questions single premium specified standard statutory surplus surrender value term insurance terminal reserve underwriting universal life insurance universal life policies usually valuation whole life insurance whole life policy withdrawal