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NET LEVEL PREMIUMS
ACCIDENT AND SICKNESS PREMIUM RATES
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Accident and Sickness actual actuarial additional adverse selection agent agreement amount of insurance annuity application assets assumed average basis beneficiary benefits cash values Chapter clause computed continuous-premium Whole contract corporation cost coverage death protection decreasing deduction disability income dividends double indemnity employee Endowment Endowment policy estate tax example expenses factors Family Income fund guaranteed heirs home office Income policy income tax increase individual Industrial insurance company Insurance Guaranty Fund insurance policy investment issued at age level premium liability limit loan loss marital deduction ment month monthly moral hazard mortality table mortgage nonforfeiture operation paid paid-up pany participating partners partnership payable payments period policy forms policyholder present value proceeds purchase reinsurance result retirement risk Savings Bank single premium Social Security sole proprietorship standard stockholders surplus Term insurance tion underwriting usually valuation Whole Life policy wife