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Hospital Cooperative Plans
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accumulation accumulation unit actuarial additional adverse selection agent amount of insurance annual premium application assets assumed basis beneficiary benefits cash value cent Chapter claims clause computed continuous-premium whole cost courts coverage creditors death protection deductible disability income dividends double indemnity earnings employee endowment endowment policy estate tax example expenses face amount family income fund guaranteed health insurance increase individual industrial insurance company insurance contract insurance policy insured's interest investment issued at age level premium liability limited living loan loss ment minimum month monthly moral hazard mortality table mortgage nonforfeiture paid-up participating payable payment pension period policy issued policyholder premiums paid present value proceeds purchase reduced reinsurance renewable reserve rider risk savings settlement options single premium spendthrift trust surance surplus survivorship term insurance term policy tion underwriting usually variable annuity whole life insurance whole life policy