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Economic Bases of Life Insurance
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accumulation actuarial additional adjusted agent amount of coverage annual applicable assumptions basis beneficiary buy-sell agreement calculation capital cash value claims commissioner company's computed corporation cost death benefit deduction demutualization disability income dividends duration employee equity-indexed annuities estate tax example expenses face amount factors federal funds future GAAP gross premium group insurance guaranteed illustration income policies incontestable clause increase individual insurance company insurance contracts insurance policy insurance regulation insured's interest rate issue level premium liability limited liquidation long-term McCarran Act method mortality table NAIC needs option participating payable percent period person policy loans policy's policyowner portfolio premium payments present value proceeds protection purchase regulatory reinsurance reserve securities settlement single premium specified standard statutory surplus surrender value taxable termination underwriting universal life insurance universal life policies usually whole life insurance whole life policy