TAILIEUCHUNG - Lecture Risk management and insurance - Lecture No 32: Revision

Lecture Risk management and insurance - Lecture No 32: Revision. This chapter’s objectives are to: Buying life insurance, insurance types, life insurance clauses. | Revision Lecture No. 32 1 Buying 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 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 surrender the policy after some time period The net payment cost index is useful if the owner expects to keep the policy in force 6 Surrender Cost .

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• Risk management
• Lecture Risk management
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• Benefits of risk management
• Risk management process
• Valuation and Risk Models book 4
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