Download How to Insure Your Life: A Step by Step Guide to Buying the by Reg Wilson PDF

By Reg Wilson

ISBN-10: 1563431351

ISBN-13: 9781563431357

Bargains security directions to defend opposed to deceptive details while buying existence coverage.

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Additional resources for How to Insure Your Life: A Step by Step Guide to Buying the Coverage You Need at Prices You Can Afford

Sample text

While it is necessary to took beyond the actual wording of the policy contract and into the statutes and court decisions for a full interpretation of policy provisions, they are the basis of the agreement between the company and the policyholder (and the beneficiaries, heirs, and assignees of the policyholder). There are no standard policies in life insuranceas there are in the property and casualty insurance field. However, many states have provisions that are required in all life policies so that some provisions have become more or less standard.

Page 38 Age of Child Now Years to College Annual Cost* Four Year Cost** Annual investment Required at 8% 18 0 10,000 40,000 40,000 17 1 10,800 43,200 40,000 16 2 11,664 46,656 20,769 15 3 12,597 50,388 14,371 14 4 13,605 54,420 11,182 13 5 14,693 58,772 9,276 12 6 15,869 63,476 8,012 11 7 17,138 68,552 7,145 10 8 18,509 74,036 6,445 9 9 19,990 79,960 5,929 8 10 21,589 86,356 5,520 7 11 23,316 93,264 5,188 6 12 25,182 100,728 4,915 5 13 27,196 108,784 4,686 4 14 29,372 117,488 4,492 3 15 31,722 126,888 4,327 2 16 34,259 137,036 4,184 1 17 37,000 148,000 4,060 0 18 39,960 159,840 3,952 *Adjusted for 8% cost increase annually.

It may be used as an inexpensive tool to satisfy a variety of temporary insurance needs, such as a mortgage obligation or the need to protect insurability until an insured can afford permanent protection. There are different types of term policies. Level term provides a consistent amount of insurance. Decreasing term, which is a good type of insurance to cover a shrinking debt obligation (like a mortgage), starts with a specified face amount which decreases annually until it reaches zero at policy expiration.

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