Download or read book Life Insurance Policy Termination and Survivorship written by Emiliano A. Valdez and published by . This book was released on 2013 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: There has been some work, e.g.Carriere (1998), Valdez (2000b), and Valdez (2001), leading to the development of statistical models in understanding the mortality pattern of terminated policies. However, there is a scant literature on the empirical evidence of the true nature of the relationship between survivorship and persistency in life insurance. When a life insurance contract terminates due to voluntary non-payment of premiums, there is a possible hidden cost resulting from mortality anti-selection. This refers to the tendency of policyholders who are generally healthy to select against the insurance company by voluntarily terminating their policies. In this article, we explore the empirical results of the survival pattern of terminated policies, using a follow-up study of the mortality of those policies that terminated from a portfolio of life insurance contracts. The data has been obtained from a major insurer which tracked the mortality of their policies withdrawn, for purposes of understanding the mortality anti-selection, by obtaining their dates of death from the Social Security Administration office. We modeled the time until a policy lapses and its subsequent mortality pattern. We find some evidence of mortality selection and we subsequently examined the financial cost of policy termination.
Download or read book Survivorship Life Insurance written by Craig Douglas Hampton and published by American Bar Association. This book was released on 1994 with total page 142 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Life Insurance Fact Book written by and published by . This book was released on 1959 with total page 398 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Service disabled Veterans Insurance RH Information and Premium Rates written by and published by . This book was released on 2009 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Wealth Advisors Guide to Life Insurance written by Michael Brohawn and published by Outskirts Press. This book was released on 2019-06-05 with total page 81 pages. Available in PDF, EPUB and Kindle. Book excerpt: Wealth advisors looking to gain a better understanding of the proper selection, use, and management of life insurance agree The Wealth Advisors Guide to Life Insurance is the concise handbook they have been looking for. As one advisor said, it "deserves a place in every wealth advisor's reference library.” Easy to read the book “takes a complicated subject and makes it easy to digest.” Written by an industry expert who has managed life insurance for fiduciaries nationwide for over a decade, the book will be an “essential resource” for you providing the knowledge you need to help your clients maximize the benefits of life insurance. As one industry expert said after reading the book…”there are other fine books on life insurance…but none as concise and readable.” For more information about the book and its author, you can visit MichaelBrohawn.com.
Download or read book Becoming Your Own Banker written by R. Nelson Nash and published by . This book was released on 2012-04-01 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Verbatim Record of the Proceedings written by United States. Temporary National Economic Committee and published by . This book was released on 1940 with total page 766 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Handy Guide to Premium Rates Applications and Policies of American Life Insurance Companies varies written by and published by . This book was released on 1909 with total page 1084 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Handy Guide to Premium Rates Applications and Policies of American Life Insurance Companies written by and published by . This book was released on 1908 with total page 1044 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Childhood Cancer Survivorship written by National Research Council and published by National Academies Press. This book was released on 2003-10-15 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt: Only more recently has it been realized that the intense effort to care for and cure a child with cancer does not end with survival. Continued surveillance and a variety of interventions may, in many cases, be needed to identify and care for consequences of treatment that can appear early or only after several decades and impair survivors' health and quality of life. The more than two-thirds of childhood cancer survivors who experience late effects-that is, complications, disabilities, or adverse outcomes-as a result of their disease, its treatment, or both, are the focus of this report which outlines a comprehensive policy agenda that links improved health care delivery and follow-up, investments in education and training for health care providers, and expanded research to improve the long-term outlook for this growing population now exceeding 270,000 Americans.
Download or read book Insured Mortgage Portfolio written by United States. Federal Housing Administration and published by . This book was released on 1952 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Irrevocable Life Insurance Trust written by Lawrence Brody and published by Real Property Probate and Trust Law American Bar Association. This book was released on 1999 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Dividing Pensions in Divorce written by Gary A. Shulman and published by Wolters Kluwer. This book was released on 2009-11-20 with total page 1540 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dividing Pensions in Divorce: Negotiating and Drafting Safe Settlements with QDROs and Present Values provides an expert chronological analysis on every important issue regarding Qualified Domestic Relations Orders and present values. Don't lose thousands of dollars in assets by being fooled by incomplete and inaccurate pension present values - Dividing Pensions in Divorce will help you: Understand complex present value issues Draft airtight QDROs that maximize your clientsand’ property rights Prepare for trial with detailed guidance on a host of commonly litigated issues And more! Written by Gary Shulman, David Kelley and Daniel Kelley, nationally recognized pension experts with more than 60 years of combined pension and actuarial experience, Dividing Pensions in Divorce delivers proven techniques and strategies the authors have honed in drafting and reviewing over 100,000 QDROs and 80,000 present values. Benefit from their experience with: Clear, straightforward explanations of over 300 points of law, including disability pensions, the role of Social Security in dividing pensions, survivorship rights, early retirement subsidies, the coverture formula, and more Winning strategies for complying with even the most complex legal, regulatory, and legislative requirements State-of-the-art model QDROs you can easily adapt to your own cases Step-by-step analysis of how a present value is calculated Case studies, attorney's checklists, and sample questions for opposing experts And much more! Dividing Pensions in Divorce protects you with specific advice organized chronologically from the first client interview, through the discovery process and the preparation and drafting of the settlement agreements, QDROs and present values.The authors provide you with precise language, model forms and letters as well as the best (and time-tested) model QDROs in the business. Dividing Pensions in Divorce will give you the confidence to handle any challenging pension issue. It will soon be second-nature for you to: Craft a safe settlement agreement for your client that secures your client's pension benefit entitlements Argue the major pension and 401(k) issues so that your negotiations are convincing to the other side - and the court - as reasonable, fact and standard-based conclusions Understand and draft the critical language that should be included in every separation agreement Demystify the world of QDROs by reviewing the seven essential areas every QDRO must address And much more! Dividing Pensions in Divorce has been updated to include: A new discussion of the importance of getting the plan name right in your QDRO Advice on how to avoid career-tripping mistakes in present values Help in deciding whether a PBGC, IRC and§ 417(e), or other pension present value method is appropriate in your case New questions and detailed reasoning to challenge both PBGC and IRC and§ 417(e) present values New insights and case law into how to fight the double-dipping of pensions New and§ 22.25 that presents adiscussion on the topic of administrators' placing holds on participants' accounts upon receipt of andquot;Draftandquot; QDROs Revised model QDROs for defined contribution plans, addressing the commencement of benefits for the alternate payee New tax tables that will enable you to determine the tax implications of dividing a defined benefit or defined contribution plan A revised discussion on dividing railroad retirement plans to show attorneys how to guarantee payments to the
Download or read book Annual Report for the Year Ending written by United States. Federal Housing Administration and published by . This book was released on 1956 with total page 1126 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Survivor Benefits written by United States. Congress. House. Select Committee on Survivors Benefits and published by . This book was released on 1954 with total page 180 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Annual Report of the Federal Housing Administration written by United States. Federal Housing Administration and published by . This book was released on 1948 with total page 1392 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Annual Report written by United States. Housing and Home Finance Agency and published by . This book was released on 1964 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
