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2. Calculator: How Much Life Insurance Do I Really Need? - AOL

   www.aol.com/lifestyle/calculator-much-life...

   Are you sure you’ve calculated the right amount of life insurance to fully protect your family’s financial future?

3. How To Use Life Insurance for Retirement - AOL

   www.aol.com/life-insurance-retirement-174227196.html

   The cash value of a life insurance policy grows tax-free. ... accumulates at a steady rate. Universal Life Insurance: ... when they turn 60 or 70. Guaranteed life insurance is available for ...

4. Types of life insurance - AOL

   www.aol.com/finance/types-life-insurance...

   Permanent life insurance policies have cash value components, where some of your premium is set aside and grows over time. Life insurance companies calculate rates based on the mortality risk of ...

5. Actuarial present value - Wikipedia

   en.wikipedia.org/wiki/Actuarial_present_value

   The actuarial present value (APV) is the expected value of the present value of a contingent cash flow stream (i.e. a series of payments which may or may not be made). Actuarial present values are typically calculated for the benefit-payment or series of payments associated with life insurance and life annuities. The probability of a future ...

6. Cash value - Wikipedia

   en.wikipedia.org/wiki/Cash_value

   The determination of the cash value, both the base amount and the applicable surrender charge, in the contract can be explicit by determining the value for each surrender date (guaranteed cash values), by referring to the value of specific investments or subject to the discretion of the insurance company, which is often executed to bring cash values in line with values of the investments of ...

7. Rate making - Wikipedia

   en.wikipedia.org/wiki/Rate_making

   Life insurance actuaries determine the probability of death in any given year, and based on this probability determine the expected value of the loss payment. These expected future payment are discounted back to the start of the coverage period and summed to determine the net single premium.