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Third, this data does not directly compare with other information collected on the SAR form with reference to the specific instruments involved in the reported trans- actions, as discussed infra. For example, analysis identified 225 filings that involved annuities, however, Table 1 shows 197 filings that named an annuity owner or ap- plicant as a subject in the narrative, based on a relationship to an annuity. There are fewer annuity owners and applicants than annuity filings, because some narratives placed more emphasis on a gatekeeper or insurance insider as the one whose sus- picious activities were being characterized. The roles. | insure Association canadienne des compagnies d assurances de personnes inc. Canadian Life and Health Insurance Association Inc. A guide to This booklet is designed to help you understand life insurance and to become an informed consumer. available from your life insurance agent and company. More information - and help - is TABLE OF CONTENTS 1 Getting Started Life Insurance What Is It .2 How Much Is Enough .2 Do You Need Life Insurance .2 2 Life Insurance Policies What Different Policies Will Do for You.3 Permanent Life Insurance.3 Term Life Insurance.5 Term to 100.5 Pricing and Costs.9 3 How To Make Your Life Insurance Work for You Beneficiaries Who Is the Life Insurance for .10 Premiums When and How To Pay Them.12 Riders Added Protection.12 Special Built-in Safeguards in Permanent Life Policies.12 Policy Loans.13 Policy Dividends How To Make the Best Use of Them.14 4 The Importance of Your Agent Selecting a Life Insurance Agent.16 The Sales Interview.17 What You Should Know about Policy Illustrations.18 Comparing Policies.18 5 What Happens when You Apply Most Risks Are Standard .19 When a Medical Is Required.20 Privacy of Personal Information.20 Medical Information Bureau MIB .21 What If There s an Error in My Application .21 Before Final Approval The Conditional or Temporary Insurance Agreement.22 6 Second Thoughts The 10-Day Free Look.23 What about Replacing Policies .23 7 Today s World - Today s Needs Self-employment Businesses Small and Large.24 Protecting Your Debts Creditors Group Insurance.25 Using Your Networks Association Insurance.25 Older Insurance Can Be Found.25 Living Benefits .25 Life Insurance on Children.26 8 What It s All about Payment of the Claim What Documentation Is Needed .27 How Long Does It Take .27 What Does Contestable Mean .28 What Exclusions Might Apply .28 Is There a Time Limit To File a Claim .28 Is Interest Paid on a Claim .28 How Are the Benefits Paid .28 Are the Benefits Taxable .28 9 Where to Go for Assistance.29 Index.30 A Short
