TAILIEUCHUNG - Lecture Risk management and insurance - Lecture No 25: Buying life insurance

This chapter’s objectives are to: Determining the cost of life insurance, rate of return on saving component, taxation of life insurance, shopping for life insurance. | Buying Life Insurance Lecture No. 25 1 Objectives Determining the Cost of Life Insurance Rate of Return on Saving Component Taxation of Life Insurance Shopping for Life Insurance 2 Determining the Cost of Life Insurance The cost of a life insurance policy is the difference between what you pay and what you get back When determining the cost of life insurance, four major factors must be considered: Annual premiums Cash values Dividends Time value of money 3 Determining the Cost of Life Insurance Under the traditional net cost method, the cash value and expected dividends are subtracted from annual premiums to obtain a net cost per year figure This method does not consider the time value of money 4 Exhibit Traditional Net Cost Method 5 Determining the Cost of Life Insurance The interest-adjusted cost method is more accurate because it considers the time value of money Interest-adjusted cost indices come in two forms: The surrender cost index is useful if the owner expects to .

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