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Optimal Life Insurance: Comment
The Journal of Finance, 1975I. INTRODUCTION IN A RECENT paper [2] Peter Fortune has provided us with an excellent theoretical and empirical development of the determinants of optimal life insurance purchases. However, the theoretical comparative statics results are frequently indeterminate, sometimes at crucial points.
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Life Insurance. Whole-Life Insurance
2014Whole-life insurance was created to address the problems with term insurance. The biggest problem with term life insurance is that it is purchased for a stated period of time. When the owner buys a whole-life policy, he or she is planning for the policy to last for the insured's whole life.
Smith, Mike, CPF, Hayhoe, Celia Ray
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Life Insurance. Universal-Life Insurance
2014Universal-life insurance was created to address many of the problems associated with whole-life insurance. One problem with whole-life insurance is its lack of flexibility. A second problem with whole life is that it is much like a black box. The owner cannot see exactly how it works. Universal life provides solutions to these problems.
Smith, Mike, CPF, Hayhoe, Celia Ray
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UTMS Journal of Economics, 2013
The aim of the paper that treats the actuarial model of insurance in case of survival or early death is to show the actuarial methods and methodology for creating a model and an appropriate number of sub-models of the most popular form of life insurance in the world.
Sain, Zeljko, Selimovic, Jasmina
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The aim of the paper that treats the actuarial model of insurance in case of survival or early death is to show the actuarial methods and methodology for creating a model and an appropriate number of sub-models of the most popular form of life insurance in the world.
Sain, Zeljko, Selimovic, Jasmina
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, 2000 This survey reviews the micro-economic foundations of the analysis of life insurance markets. The first part outlines a simple theory of insurance needs based on the life-cycle hypothesis. The second part builds on contract theory to expose the main issues in life insurance design within a unified framework.
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Life Insurance. Variable Universal-Life Insurance
2014The term "variable" simply refers to "different investment options." Variable universal-life insurance allows the policy-owner to choose how the cash value is invested. Some variable policies have up to 50 different "sub-accounts" from which to choose.
Smith, Mike, CPF, Hayhoe, Celia Ray
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Life Insurance. Term Insurance [PDF]
, 2014 Term insurance is good way to protect your beneficiary for a limited amount of time. If you are a disciplined saver, buying a term policy and investing the difference between the cost of the term policy and the cost of a whole-life policy means your beneficiaries will have both the death benefit and the value of the investments.
Smith, Mike, CPF, Hayhoe, Celia Ray
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