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Insurance

Explore questions in the Insurance category that you can ask Spark.E!

With dividends, a policyowner could choose to _____________ or buy additional coverage in the form of _____________ or one year term
The policyowner pays _______ in the early years to help cover ______________________ in later years
The surrender cost index uses a calculation formula where the _____________ is averaged over the _________________ to arrive at the average cost-per-thousand for a policy that is surrendered for its ________ at the end of the period
How long is the contestable period when a reinstated policy goes into effect?
What has the greatest effect on premium calculations or rate-making?
If one pays a premium and receives something in return, such as a dividend or cash value
For this payment method to work, the policyowner must make ________________ to build up the cash value
How long are mandatory free-look periods?
A company can always ______ for nonpayment of premiums
Who is entitled to the proceeds upon the death of the insured?
comparative interest rate is the ________________ required on the investment account, so the value of the investment is _________ to the surrender value of the higher premium policy at a specific point
Who chooses the settlement option when the insured dies?
Unless a policy loan is present at the time of surrender, the coverage amount of the new paid-up extended-term life policy will be ________ to the face amount of the _________
The face amount of a Jumping Juvenile Insurance (Estate Builder) can be as low as
When may be the only time the insurance company challenges a claim?
When are insurers required to make cash value surrenders available for ordinary whole life insurance?
Premium payments have to be what to generate cash sufficient values
Unlike nonforfeiture options, when a dividend option is selected
If the company's underlying death, investment, and expense assumptions are more favorable than expected
The employee must make application for a _____________ within a given period of time __________ depending on the state

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