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2. Death spiral (insurance) - Wikipedia

   en.wikipedia.org/wiki/Death_spiral_(insurance)

   Death spiral is a condition where the structure of insurance plans leads to premiums rapidly increasing as a result of changes in the covered population. It is the result of adverse selection in insurance policies in which lower risk policy holders choose to change policies or be uninsured. The result is that costs supposedly covered by ...

3. Ruin theory - Wikipedia

   en.wikipedia.org/wiki/Ruin_theory

   A sample path of compound Poisson risk process. The theoretical foundation of ruin theory, known as the Cramér–Lundberg model (or classical compound-Poisson risk model, classical risk process [2] or Poisson risk process) was introduced in 1903 by the Swedish actuary Filip Lundberg. [3]

4. Life insurance - Wikipedia

   en.wikipedia.org/wiki/Life_insurance

   Permanent life insurance is life insurance that covers the remaining lifetime of the insured. A permanent insurance policy accumulates a cash value up to its date of maturation. The owner can access the money in the cash value by withdrawing money, borrowing the cash value, or surrendering the policy and receiving the surrender value.

5. Life Insurance: How to Choose The Best Option for You ... - AOL

   www.aol.com/life-insurance-choose-best-option...

   Once you apply and qualify for a life insurance policy, you’ll choose the type of life insurance you want, the amount of coverage you need, and the length of the policy (if choosing a term ...

6. 9 Reasons You Should Take Another Look at Whole Life Insurance

   www.aol.com/2014/03/05/whole-life-insurance-why...

   For premium support please call: 800-290-4726 more ways to reach us

7. Insurable interest - Wikipedia

   en.wikipedia.org/wiki/Insurable_interest

   The principle of insurable interest on life insurance is that a person or organization can obtain an insurance policy on the life of another person if the person or organization obtaining the insurance values the life of the insured more than the amount of the policy. In this way, insurance can compensate for loss.

8. Medical underwriting - Wikipedia

   en.wikipedia.org/wiki/Medical_underwriting

   Medical underwriting is a health insurance term referring to the use of medical or health information in the evaluation of an applicant for coverage, typically for life or health insurance. As part of the underwriting process, an individual's health information may be used in making two decisions: whether to offer or deny coverage and what ...

9. Pre-existing condition - Wikipedia

   en.wikipedia.org/wiki/Pre-existing_condition

   Regulation of pre-existing condition exclusions in individual (non-group) and small group (2 to 50 employees) health insurance plans in the United States was left to individual U.S. states as a result of the McCarran–Ferguson Act of 1945 which delegated insurance regulation to the states and the Employee Retirement Income Security Act of 1974 ...