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Briefly explain the basic characteristics of ordinary life policies

01/12/2021 Client: muhammad11 Deadline: 2 Day

Assignment 6, Chapters 11 and 12

1. a. Briefly explain the basic characteristics of term insurance.

b. Identify the major types of term insurance sold today.

c. Explain the situations that justify the purchase of term insurance.

d. What are the major limitations of term insurance?

2. a. Briefly explain the basic characteristics of ordinary life policies.

b. Why does an ordinary life insurance policy develop a legal reserve?

c. Explain the situations that justify the purchase of ordinary life insurance.

d. What is the major limitation of ordinary life insurance?

3. Describe the basic characteristics of variable life insurance.

4. a. Explain the basic characteristics of universal life policies.

b. Explain the limitations of universal life insurance.

5. Richard, age 45, is married with two children in high school. He estimates that his average annual earnings over the next 20 years will be $60,000. He estimates that one-third of his average annual earnings will be used to pay taxes, insurance premiums, and the costs of self-maintenance. The remainder will be used to support his family. Richard wants to calculate his human life value and believes a 6 percent discount rate is appropriate. The present value of $1 payable for 20 years at a discount rate of 6 percent if $11.47. Calculate Richard’s human life value.

6. Briefly explain the following life insurance contractual provisions.

a. Suicide clause

b. Grace period

c. Reinstatement clause

7. All states have nonforfeiture laws that require the payment of a cash-surrender value when a cash-value policy is surrendered. Briefly explain the following nonforfeiture options that are found in a typical life insurance policy.

a. Cash-value option

b. Reduced paid-up insurance

c. Extended term insurance

8. Additional riders and benefits often can be added to a life insurance policy to provide greater protection to the insured. Describe each of the following riders and options:

a. Waiver-of-premium provision

b. Guaranteed purchase option

c. Double indemnity rider

d. Cost-of-living rider

e. Accelerated benefits rider

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