how many term life insurance policies were issued last year?
481630
Let's see, less than 40% of the American population owns some sort of life insurance. Of the 40%, less than 5% has Term insurance. 2% of the term insurance sold came from Primerica Financial Services. You do the math.
298311
Term life insurance is a no frills life insurance policy.  It is a death benefit for a specified period of time.  Unlike other types of life insurance, there is no cash value or investment associated with it.  You pay $x for x period of time for x amount of insurance.  It is the cheapest way to insure someone's life.
942729
Life insurance is a policy that pays a specified amount of money after your death to a beneficiary, a person you choose. The amount of money the person receives depends on the type of life insurance you purchase. The amount you pay to the insurance company, the premium, depends on the policy you select.\n\nToday more than 200 insurance companies write life insurance policies in the United States. Not all insure cancer survivors. Those that do offer life insurance policies for cancer survivors usually require survivors to pay a higher premium.\n\nYou may not want life insurance now. You may not be able to afford life insurance. However, if you think life insurance would help you or your family, options exist for cancer survivors. Survivors who want life insurance should understand the different types of life insurance and how having had cancer affects the type of life insurance they can get.\n\nGet a quote & more information here:  http://www.insureme.com/landing.aspx?Refby=614500&Type=life\n\nTake care,\n\nRon @ InsureMe
1029873
4 times\n1994, 1998, 2002 and 2006
136228
Probably no copay, premium or deductible.  Yes, I believe they are covered for the rest of their lives.\n\nSo unfair.
792873
You need to draw out the flowchart logic associated with all of these events.  What are all the decisions, branches, actions, inputs and outputs?\n\nFor example, for the third one, here are some of the steps:\n- Someone has to decide that a premium change is warranted.  Perhaps this is Actuarial, Accounting or Finance.\nHave there been a lot of claims?  Has there been a big hike in inflation?  What specifically would trigger this?\n- Someone has to calculate the change in premium for all insured people for all policies.  Is it going to be a certain % across the board?  Is it going to be a flat $ increase?  What about rated policies?\n- The rate increase probably has to go through a vetting and approval process,\n- Draft information must be written and approved for internal notification of the premium change, including the communication methods to be employed.\n- If the communication method is through computer systems, the systems change must be tested and validated in a non-live enviroment.  The testing must be approved.\n- The "cut-over" date to the new premium rates must be announced and the system changed on that date.\n- You probably want some sort of reminder "pop-up" about the new rates so that people don't think they are doing something wrong.  This must be tested with the "real" changes as well.
975442
LIFE insurance companies in india -\n\nPublic \nLife Insurance Corporation of India \n\nPrivate \nHDFC Standard Life Insurance \nMax New York Life Insurance \nICICI Prudential Life Insurance \nOm Kotak Mahindra Life Insurance \nBirla Sun-Life Insurance \nTATA AIG Life Insurance \nSBI Life Insurance \nING Vysya Life Insurance \nBajaj Allianz Life Insurance \nMetLife Insurance \nReliance Life \nBharti AXA \nAviva Life Insurance \nSahara India Insurance \nShriram Life Insurance
444048
Your best bet is to consult with an insurance professional.  All the major life insurance companies are reputable.  I would avoid anything on line.  An insurance professional will work out something for you within your budget and explain how to list your children as beneficiaries.  They do not have to be adults to be listed on your policy.
249079
Medical Plan\nVision Service Plan\nLong-Term Disability Plan\nEmployee life Insurance \nDependent Life Insurance \nAccidental Death & Dismemberment Insurance \nDomestic Partner Coverage \nHealth Care Reimbursement \nDependent Care Reimbursement \nHoliday Pay\nPaid Vacations \nSick Leave \nEmployee Assistance Program \nShort-Term Disability \nEducational Reimbursement Program \nRetirement Savings and Profit Sharing Plan
180917
Claims-made insurance policy:\nAn insurance policy that provides coverage for claims arising from incidents that both occur and are reported to the insurance company while the policy is in force. A claims-made policy is in force from the starting date of the initial policy period (the retroactive date) and continues in force from that date through each subsequent renewal. When a claim-made policy is terminated, future claims arising from incidents that occurred during the policy period are not covered. However, the policyholder normally has the right to purchase an extended reporting endorsement.\n**This would be most useful for a business selling a product or service which has the possibility of future liability.
540328
CALL 800 # TO INSURANCE COMPANY AND ASK.  THEY HAVE A LIST--YOU CAN GET ONE MAILED TO YOU OR LOOK ON THEIR WEB SITE.  THEY CAN TELL YOU DIRECTLY OVER THE PHONE AS WELL.
1096249
It doesn't. Group Life insurance just provides 1 to 2 year worth of income protection in case you die. If you decide to leave the company, you will no longer have life insurance and will have to get your own. It is better that you get your own to get more coverage.
1048438
A term life insurance policy is a contract between you and the insurance company where if you die during the contract term they will pay your beneficiary the amount specified in the contract.  This is pure insurance and there is no account or cash value.\n\nFor example: If you purchase a 30 year TERM policy for 1 Million dollars then the insurance company will pay your beneficiary $1 Million dollars, tax free if you die in the next 30 years.  Some term policies offer conversion options without underwriting should you want to extend your insurance beyond the original term.  You would be converting into one of the policies I mention below.\n\nTerm insurance is the cheapest option and the shorter the term the lower the premium.  You may have heard the people say "buy term and invest the difference".\n\nSome term policies offer a "return of premium" rider.  This option usually increases the premium 30-40% (ballpark).  If you survive the term of the policy they will refund the premium you paid.  These policies do accumulate a small account value.\n\nUniversal and Whole Life Insurance Policies are the ones that accumulate a cash value.  Whole life policies are the most expensive because they are guaranteed to be in force until age 100.  Universal policies may or may not be in force until age 100.  If it doesn't say guaranteed to age 100 then it isn't guaranteed.\n\nThe account value of these policies grows over time and you can then either withdraw cash or borrow against it.  if you take the money out it may be subject to taxes.  If you borrow it there are no tax implications as long as you don't lapse the policy.\n\nLife insurance policies are not the best investment vehicles, but because of the tax benefits they can be a good alternative depending on your tax bracket.\n\nAgents will most often try to sell you a Universal Life policy.  This is because the premiums are higher than term and the commission is that much better.\n\nI tend to recommend guaranteed level premium 20-30 year term policies with convertibility options (just in case).  You should only consider companies rated A- or better.  I find the best rates come from American General, First Colony, Genworth, Met-Life, West Coast Life,  and Prudential.\n\n"A wife doesn't know the value of a life insurance policy...but a widow does."
601363
In many life insurance companies, no one is covered if the owner of the policy commit suicide. Some companies have a suicide clause where you are covered for a certain amount of time when you commit suicide. For a beneficiary to claim life insurance proceeds, a proof of death is required.\n\nRemember, if you are choosing term, you want to choose the maximum length available like 30 years. And also, you want to invest in mutual funds at the same time (you should put away $100/month into it if you understand the Dollar Cost Averaging concept).
925306
My condolences about your friend and her loved one.\n\nI’ve linked to articles describing how to choose a life insurance and how to calculate how much life insurance you need. I’ve also linked to online calculators to help you figure it out. Deciding how much life insurance is enough is a very personal decision – what’s right for you might not be right for someone else.  I’ve also linked to an article about what to look for in renewable term life insurance.\n\nYour concentration on the life insurance company is a good idea, since your life or disability policy will only be as solid as the financial strength of the insurance company you choose. After you read the articles below and get a firm idea of what kind of policy you’re looking for, try visiting MostChoice.com. You can compare insurance policies online quickly and speak to multiple insurance agents working in your community – all without any obligation. It’s a quick and simple way to swiftly survey the local insurance market, and MostChoice provides information on more than 140 companies with A+ or better financial ratings.\n\nYou can find MostChoice here:\nhttp://www.mostchoice.com/life-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
118199
Hi Joyce.... you asked this question under the category of insurance so I presume you would like to know with respect to life insurance.  Well, the life insurance companies have what is known as actuarial tables which give them a good idea as to the life span of individuals based on age, gender, physical traits/attributes and lots of other factors. It's kinda complicated to explain, to say the least but suffice it to say most all companies go by this table and can underwrite and determine premiums based on that.  For complete and more accurate details regarding this subject, you should contact your local life insurance agent in your area.  LOL
527328
2 Terms... or 8 years...8 very long, long years.\n\nI think it was the 21st ammendment, but I'm not 100% sure.