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2. Increased limit factor - Wikipedia

   en.wikipedia.org/wiki/Increased_limit_factor

   Often, limited data is available to determine appropriate charges for high limits of insurance. In order to price policies with high limits of insurance adequately, actuaries may first determine a "basic limit" premium and then apply increased limits factors. The basic limit is a lower limit of liability under which there is a more credible ...

3. Community rating - Wikipedia

   en.wikipedia.org/wiki/Community_rating

   Community rating, as a basis for premium calculation, is fundamentally different from the usual method of determining insurance premiums, i.e. risk rating. In a risk rated insurance market, an insurer calculates the premium payable by a potential policy holder in order to enter into an insurance contract on the basis of various factors particular to that individual, such as the risk of a claim ...

4. 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

5. The 6 Best Life Insurance Policies for Passing on Your Wealth

   www.aol.com/news/6-best-life-insurance-policies...

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

6. Rate making - Wikipedia

   en.wikipedia.org/wiki/Rate_making

   The following are fundamental terms that are commonly used in rate making. A rate "is the price per unit of insurance for each exposure unit, which is the unit of measurement used in insurance pricing". The exposure unit is used to establish insurance premiums by examining parallel groups. [1]

7. What is short-term life insurance? - AOL

   www.aol.com/finance/short-term-life-insurance...

   Life insurance premiums factor in things like your age, tobacco status, gender and health, so these factors may also help determine which life insurance policy best fits your budget and coverage ...