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Hopefully, the present text will not support that prejudice. /Author <> ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} We’re going to go over introductory concepts and go over the basic features of the life insurance agreement. In this chapter, we cover various aspect of General Insurance such as Principles of utmost Good faiths material fact Principle of … Find the facts, insights, and no-nonsense insurance guidance you need. Life Insurance Basics Life insurance is an agreement between you (the insured) and an insurer. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. Life Insurance Basics September 07, 2016 Life insurance is an agreement between you (the policy owner) and an insurer. stream /Subject <> So we’ve actually had a chance to do this program once, get some feedback, and refine it. When the term ends, the insur- /Author <> Life insurance is insurance that pays money either on the death of the policyholder or after a set period of time. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Insurance Domain Knowledge and Basics. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. • You must meet other eligibility requirements included in the member definition of the group policy and as required and determined by OEBB. Under the terms of a life insurance policy, the insurer promises to pay a certain sum to a person you choose (your beneficiary) upon your death, in exchange for your premium payments. /BaseFont /Helvetica-BoldOblique endobj Appropriate life insurance … Term Ð Has a lower initial premium that increases periodically e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. endobj 1. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} 1 LIFE INSURANCE And ANNUITIES Fundamentals SANDI KRUISE INSURANCE TRAINING 6 0 obj Originally, policies were for short periods of time, covering temporary risk situations, such as sea voyages. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. � fsg���Z�Q�f���rߧ6x�8����|����͞���N&l�=�'-�q3g���9oӉ�w��~�L��{�N[��f���rߧ6x�8����|����͞���N&l�=�'-�q3g���9oӉ�w��~�L��{�N[��f���rߧ6x�8����|����͞���N&l�=�'-�q3g���9oӉ�w��~�L��{�N[��f���rߧ6x�8����|����͞���N&l�=�'-�q3g���9oӉ�w��~�L��{�N[��f���rߧ6x�8����|����͞���N&l�=�'-�q3g���9oӉ�w��~�L��{�N[��f���rߧ6x�8����|����͞���N&l�=�'-�q3g���9oӉ�w��~�L��{�N[��f���rߧ6x�8����|����͞���N&l�=�'-�q3g���9oӉ�w��~�L��{�N[��f���rߧ6x�8����|����͞���N&l�=�'-�q3g���9oӋL�� d�@ �R` �U r�d���"o�]��6tW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K��VL�а&�jd��� ��+&ghX?�|�2}����y�3�,ĉ�Z�>�{�b��ə��D�-L�t��^Ed���"o��O�^�د"�fv����7�S'�/xlW�Y3;B��H�婓6+Ȭ���`�$M����K����������`��=�.�8_�?������ab?����������~_����?����~ߟ���~���*����W�� � H�\c�8� ����?�X��xu�ɪ� 8��g~��`�=�çy>KejS�S,��=���Ӽ�%�J} By spreading the risk, we are reducing the financial impact of an individual loss. Ratings Of Insurance Companies In India - Top 5 Companies LIC ICICI Prudential Life Insurance Co Ltd SBI Life Insurance Co Ltd Bajaj Allianz Life Insurance Co Ltd Reliance Life Insurance Co Ltd Market Share (2009) 13.10/0 9.8 Market Share (2008) 8.93% 6.99% 7.36% 2.96% (Source: Insurance review) Dr. Amit Gupta 1 / 1 0/201 8 40 << 2E636F6D2F29> /Subtype /Type1 Basic life coverage can be seen as the purest form of a life policy, and that is a traditional term life insurance policy. >> to provide for one's family and perhaps others in the event of death, especially premature death. /ModDate <443A32303136303930373130353434352D303027303027> Life Insurance Basics Life insurance is an agreement between you (the insured) and an insurer. For this reason, it’s important for you to understand life insurance basics and to familiarize yourself with the various life insurance options available. << Once you get older the need for life insurance changes. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. @��?����G�''/�O��ێ@ ���� _���٬�/��ͨ�E� �yǍ�C�f/%s.�QJ�_�Qcۊ)]��֍c��I��1E+�5b�Wt�v����f>]f�HY��d���J�M8���(��ſ��RV�|�*%D ��i�2�kSƖ��(�^���!E�R'�.��{nԟ�2��9q*/���. Having the right kind of insurance is a critical component of any good financial plan. The College works tirelessly to ensure that society has informed, ethical financial service and insurance professionals it can trust. /Encoding /WinAnsiEncoding /Name /Font_8FD7A67244964D31A98915D0033DB202 << <> ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Mr. Denis W. Loring: Life Reinsurance 101 and 201 were first done for the NAIC in Baltimore in April 1997. /Name /Font_A124934D6CBC4F3B9B1509F4DD23EEC1 2E636F6D2F29> 2 0 obj 4 0 obj Basics of Irrevocable Life Insurance Trusts (ILITS) Introduction. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Basic Life insurance group policy. Life insurance pays a death benefit if you die while the policy is in effect, in exchange for premiums you pay before your death. %PDF-1.4 Without the protection insurance affords us, we would have to spend more time and money protecting ourselves from the risks of loss and less time in enjoying life and pursuing goals. Insurance mathematics is widely held to be boring. /Producer <504446344E455420332E312E312E302028687474703A2F2F7777772E6F32736F6C ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Step 1: Life insurance basics. Minnesota Life provides the coverage.If you have questions about your life insurance coverage, contact Minnesota Life at: P.O. • Your employer must have elected to make Basic Life coverage available to employees in your classification. It pays only if death occurs during the term of the policy, which is usually from one to 30 years. Term Life Term insurance is the simplest form of life insurance. /BaseFont /Helvetica ... Life insurance contracts usually stipulate that no payment will be made and the ... Insurance Law: Basic Text. >> Or planning to open the business of your dreams? << Life Insurance Basics Life insurance is an agreement between you (the insured) and an insurer. Life insurance is a contract between you and an insurance company to provide you with coverage based upon your timely payment of premiums. Life insurance basics. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. /Type /Font Group Life Insurance The Virginia Retirement System (VRS) administers the Group Life Insurance Plan. /Subtype /Type1 ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Learn about both term life insurance and permanent life insurance, riders, when to trade in your policy and what to do when you no longer need it. /Encoding /WinAnsiEncoding endobj Most life insurance helps your family or other beneficiaries pay bills and other living expenses after you die. << In the event of your passing, life insurance coverage protects any people or organizations relying on your income. Insurance is a very old concept. Insurance is a contract between the insurer and the insured person or a Group.Insured person means the person who is covered by the insurance policy or the one who avails the benefit of the policy and the insurer is the insurance company who sells the … Shopping for your first insurance policy? /Subtype /Type1 ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} The purpose of an Insurance is to provide protection against the risk of any financial loss. Box 1193, Richmond, VA, 23218-1193, or call 1-800-441-2258. 3 0 obj One of the biggest benefits is that it provides tax-free money to your loved ones when you die. /Encoding /WinAnsiEncoding Please check all the above given details about the Insurance Textbook. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. Beneficiaries are the people you pick to get the money from the life insurance policy. LIFE INSURANCE 1 1 Chapter 1: Life Insurance Basics The other day, Amit, a … ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} >> e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. /Name /Font_E38E19C27D424795BE778E658CFCB916 If the insured dies within the stated term, the insurance company pays the death ben-efit to the beneficiary. endobj ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Life insurance helps provide peace of mind by giving you some financial protection for the life you’re building—and the most important people in it. "$"$�� C�� p ` �� �� , �UV��d��AQ�� �� ) �QRS��aAq!1�� ? ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Insurance Basics Let’s start by discussing some important insurance terms and concepts. life insurance basics You have always supported your loved ones, be it financially or emotionally, but have you considered how they will manage once you are gone? e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. 4 0 obj /Name /Font_3978FB00586242EF994E3DDC62AC906D /BaseFont /Helvetica-Bold /Name /Font_F7923BD739DF472F879FCAC0688AA3A4 Learn the basics so you can go on to shop wisely. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} >> Insurance The concept of insurance is really quite simple. /Name /Font_45C4C519EAA74A57A887DF839EAADA50 >> e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. >> 5 0 obj /Keywords <> stream So how do we do that? endobj ���� JFIF H H �� C ! ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} << ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Download full-text PDF Read full-text. /BaseFont /Helvetica-Oblique << /Title <> stabilizes at (1.4), is precisely what is meant by saying that \insurance risk is diversi able". e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Insurance is a method for spreading the risk of a financial loss among a large number of people. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. While most of us own insurance, many of us don't understand what it is or how it works. ?����������r�-�!��c��?���?�Xc�����d�@ �R` �U SYI� &MT. /Keywords <> Life insurance doesn’t have to be a mystery. /BaseFont /Helvetica In this article we have provided all the information about Insurance for Dummies text book pdf free download. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. /Producer <504446344E455420332E312E312E302028687474703A2F2F7777772E6F32736F6C >> /BaseFont /Helvetica-Bold /Encoding /WinAnsiEncoding %���� 1 0 obj e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. Health insurance basics. /Name /Font_EE68B97C825D4490B0FD6ADDFC9A125B << >> endobj View life insurance.pdf from FINANCE 13089 at Guru Gobind Singh Indraprastha University. �� �� ���浓�{�-[��]�Z� �Z� �Z� �Z� �Z� �Z� �Z� �Z� �Z� �Z� �Z� �Z� �Z� �Z� �Z� �Z� �Z� �2�H�u���6�>�? The truth is, no one is ever fully prepared for death, but a little planning can help your family live a fulfilling life, no matter what. Chapter 1: Life insurance basics. Health insurance doesn’t always cover 100% of your costs. Wisconsin State Life Fund: A life insurance distribution system available to residents of Wisconsin. /Subtype /Type1 e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. /CreationDate <443A32303136303930373130353434352D303027303027> 2 0 obj /Subject <> 6 0 obj e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. Updating coverages to fit a family's changing needs? 1.2 Mortality A. endobj endobj >> Ð Coverage continues for life or until it is canceled. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Under the terms of a life insurance policy, the insurer promises to pay a certain sum to a person you choose (your beneficiary) upon your death, in exchange for your premium payments. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Term insurance is the most basic type of life insurance. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Life 4 Whole life Ð Premium is usually level and remains the same, but it may be higher than term insurance initially. /Type /Font ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} There are two major types of life insurance—term and whole life. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. /Subtype /Type1 You can use the death benefit to protect against financial hardships such as loss of your income, funeral expenses, medical or nursing care expenses, debt repayments, and child care costs after your death. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. Under the terms of a life insurance policy, the insurer promises to pay a certain sum to a person you choose (your beneficiary) upon your death, in exchange for your premium payments. /Type /Font The Wisconsin State Life Fund is a state-sponsored life insurance program. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} endobj /ModDate <443A32303136303532303136303632302D303027303027> /Encoding /WinAnsiEncoding Experts generally advise against relying solely on employer-provided group life for protection because you don't control the policy; the employer does. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. /Type /Font /Encoding /WinAnsiEncoding What makes it a basic policy is that it is simple in the fact that you pay for a specific amount of coverage for a certain amount of time. '�ŨC���KiQ\�-%��-�)�e�5��%�(+J����*"; *+���+�3 �/�* Insurance: The Basics. /Encoding /WinAnsiEncoding ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} The policy is written for the term of the policy, usu-ally from one to 30 years. /CreationDate <443A32303136303532303136303632302D303027303027> Ð Accumulates cash value over time. This money is paid to a beneficiary. Under the terms of a life insurance policy, the insurer promises to pay a certain sum to a person you choose (your beneficiary) upon your death, in exchange for your premium payments. /Subtype /Type1 /Type /Font e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. /Type /Font /Creator <504446344E455420332E312E312E302028687474703A2F2F7777772E6F32736F6C ϪRb��/�e�sR6:eG��_���٬�/�Ԯ� Շr�!o�V��c����;8���ڮm%�����R����^�@F���Sj�Cv��{�?G�*�@'t��P7ѯM��`� /e��b�����;��#�i�EV���Z�=�E߭��ЦR�)g�[�M�\Ҏ�2�]��]z��jJۭ�;G?����o'B���dԍX�t� 9�>�=}9��d���#F&�,l�dY�. 3 0 obj Life Insurance No Exam has written this e-book to cover all the basics -- What is life insurance, why you need it, how life insurance works. Life and death in the classical actuarial perspective. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. The American College of Financial Services places a premium on quality education. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} /Encoding /WinAnsiEncoding Basically term life insurance is good to protect against temporary financial risks like a mortgage, your kids college tuition, etc. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. The Exam Simulator for the Web 9/26/19, 8)07 AM Powered by ExamFX - Online Training & %PDF-1.4 2E636F6D2F29> /Subtype /Type1 Our degrees and designations are universally recognized as representing the highest standard in expertise and education. The risk can be eliminated by increasing the size of the portfolio. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} The definition captures the original, basic, intention of life insurance: i.e. ���� JFIF �� C �� C�� x�" �� View Test Prep - General-Life insurance Basics.pdf from INSURANCE 100 at Hot Springs School of Insurance. As life insurance became more established, it was /Type /Font e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. /Creator <504446344E455420332E312E312E302028687474703A2F2F7777772E6F32736F6C 5 0 obj ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} CHAPTER 1: BASICS OF INSURANCE Let’s Begin… Introduction Insurance is an important part of our economy. If you own a term life insurance policy, you can also get a critical illness rider attached to your life insurance policy for less money than a separate critical illness plan. Life insurance plays a unique role in estate planning in that it can help: (1) provide liquidity to pay estate taxes and expenses of administration, (2) replace earnings in the event of death, (3) equalize inheritances among heirs and (4) fund the transfer of a family business. << Life Insurance Basics eBook - Free download as PDF File (.pdf), Text File (.txt) or read online for free. After studying, the life insurance and its importance, the over aspect of insurance other than ‘Life Insurance’ would is General Insurance. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. %���� 1 0 obj /BaseFont /Times-Roman The two main types are term life insurance and permanent life insurance. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} Life insurance provides a death benefit to your named beneficiary (usually a spouse) upon your death. endobj Proper life insurance coverage should provide you 2E636F6D2F29> Interested Students can use the above detailed information about the insurance options for dummies books, price and their authors also you can Download Insurance for Dummies pdf free. ;��[�ЦY߲{X;�çy>Kb���;�Okx�t�'�lR�B�g~��`����-�S�S,��=���Ӽ�%�J} <> disability or life, insurance serves as an excellent risk-management and wealth-preservation tool. /Title <> Most term policies have no other benefit provisions. /Type /Font << e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. © 2006-2015 Sandi Kruise Insurance Training, Sandi Kruise Inc, All rights reserved. e��'���\:w��)O�L��d��w��N�|��)�)�w���p��O�إ>�2������. /BaseFont /Times-Roman There are two major types of life insurance—term and Whole life Ð Premium is usually level and the... 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