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Actuarial notation is a shorthand method to allow actuaries to record mathematical formulas that deal with interest rates and life tables. Traditional notation uses a halo system, where symbols are placed as superscript or subscript before or after the main letter. Example notation using the halo system can be seen below.
Return of premium life insurance. Return of premium (ROP) life insurance is a type of term life insurance policy that returns a portion of the cumulative premiums paid if the insured outlives the policy's term. [1] For example, a $1,000,000 policy bought for $10,000 a year over a 30-year period would result in $300,000 being refunded to the ...
Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person. Depending on the contract, other events such as terminal illness or critical ...
Life expectancy fell again in 2021 to 76.4 years, which has been attributed to COVID-19 and rising death rates from suicide, drug overdoses and liver disease. [84] As of 2023, U.S. life expectancy has increased slightly following the COVID-19 pandemic, but still trails behind peer and rival countries including Canada, China and Germany. [85]
539 Ma – present. The Phanerozoic Eon (Greek: period of well-displayed life) marks the appearance in the fossil record of abundant, shell-forming and/or trace-making organisms. It is subdivided into three eras, the Paleozoic, Mesozoic and Cenozoic, with major mass extinctions at division points.
Life annuity. A life annuity is an annuity, or series of payments at fixed intervals, paid while the purchaser (or annuitant) is alive. The majority of life annuities are insurance products sold or issued by life insurance companies however substantial case law indicates that annuity products are not necessarily insurance products. [1]
In mathematics, a rate is the quotient of two quantities, often represented as a fraction. [1] If the divisor (or fraction denominator) in the rate is equal to one expressed as a single unit, and if it is assumed that this quantity can be changed systematically (i.e., is an independent variable), then the dividend (the fraction numerator) of the rate expresses the corresponding rate of change ...
The Drake equation is a probabilistic argument used to estimate the number of active, communicative extraterrestrial civilizations in the Milky Way Galaxy. [1][2][3] The equation was formulated in 1961 by Frank Drake, not for purposes of quantifying the number of civilizations, but as a way to stimulate scientific dialogue at the first ...
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