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  2. Endowment policy - Wikipedia

    en.wikipedia.org/wiki/Endowment_policy

    An endowment policy is a life insurance ... with typical maturities between ten and thirty years ... (H.R 4333, S. 2238) in response to single-premium life ...

  3. With-profits policy - Wikipedia

    en.wikipedia.org/wiki/With-profits_policy

    There are two main categories of with-profits policies: Single premium contracts – insurance bonds (with-profit bonds), single premium endowments, single premium pension policies. Regular premium contracts in which premium payments are usually made monthly – endowment policies, pension policies.

  4. Life insurance - Wikipedia

    en.wikipedia.org/wiki/Life_insurance

    A 10-year policy for a 25-year-old non-smoking male with preferred medical history may get offers as low as $90 per year for a $100,000 policy in the competitive US life insurance market. Most of the revenue received by insurance companies consists of premiums, but revenue from investing the premiums forms an important source of profit for most ...

  5. Modified endowment contract - Wikipedia

    en.wikipedia.org/wiki/Modified_endowment_contract

    TAMRA established the 7-Pay Test, which is a stipulated premium that would create a guaranteed paid up policy within 7 years from policy inception. If premiums paid to the contract go beyond (i.e. are higher than) the premium amount stipulated then the contract has failed the 7-Pay Test and is reclassified as a Modified Endowment Contract.

  6. Whole life insurance - Wikipedia

    en.wikipedia.org/wiki/Whole_life_insurance

    Whole life insurance, or whole of life assurance (in the Commonwealth of Nations), sometimes called "straight life" or "ordinary life", is a life insurance policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date. [1]

  7. Actuarial present value - Wikipedia

    en.wikipedia.org/wiki/Actuarial_present_value

    The actuarial present value of an n year pure endowment insurance benefit of 1 payable after n years if alive, can be found as = [> +] = In practice the information available about the random variable G (and in turn T) may be drawn from life tables, which give figures by year. For example, a three year term life insurance of $100,000 payable at ...

  8. Variable universal life insurance - Wikipedia

    en.wikipedia.org/wiki/Variable_universal_life...

    Variable universal life insurance (often shortened to VUL) is a type of life insurance that builds a cash value. In a VUL, the cash value can be invested in a wide variety of separate accounts, similar to mutual funds, and the choice of which of the available separate accounts to use is entirely up to the contract owner.

  9. Payment protection insurance - Wikipedia

    en.wikipedia.org/wiki/Payment_protection_insurance

    Moneymadeclear [22] calculates the repayment for that loan to be £138.96 a month whereas a stand-alone payment protection policy for say a 30-year-old borrowing the same amount covering the same term would cost the customer £1992 in total, almost one-tenth of the cost of the single premium policy.

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