life insurance powerpoint presentation

By Daniel Rodriguez

Kemoy Davidson

Life Insurance

http://kemoyfinancialplanning.weebly.com/

http://danfinancialplanning.weebly.com/

What is life insurance

• Life Insurance is an insurance that pays out a sum of money either on the death of the insured person or after a set period.

Why do people purchase life insurance?

• Mortgage protection- If you die the person you live with would not be homeless
• Income replacement- If you pass away your spouse can maintain the same standard of living.
• Final Expenses- Can help pay for burial, medical, and funeral expenses
• College Funding- Life insurance can help fund a college education. If you die, the death benefit may be invested and potentially grow to the needed amount by the time your children reach college age

What is a beneficiary

• A beneficiary is a person who receives the death benefits.
• A beneficiary can be a person, a trustee, a charity, or an estate. However, if you do not have a beneficiary, the death benefits go to your estate.

Who is life insurance meant to benefit?

What is term life insurance?

Term life insurance is a type of life insurance that insures you for a period of time. It can cover between 5 years to 30 years.

What are the advantages and disadvantages of term life insurance?

• During the early years of a term policy, the premium will usually be significantly lower than for cash value insurance.
• It's simple to understand
• It may be purchased to meet a specific financial obligation, such as repayment of a loan.
• Many term policies can be converted to cash value life insurance if your insurance needs change .
• Term insurance provides coverage only for a limited period of time, although some term policies can be renewed indefinitely.
• Premium rates are guaranteed only until the end of the term. Depending on the policy, premiums may be level for a period of 1, 5, 10, 15, 20, 25, or 30 years and then cease without any renewal option, or offer continual renewals at a higher premium rate.
• Deteriorating health can trap you in a policy with rapidly increasing premiums.

What is whole life insurance?

• Whole Life Insurance is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.
• Whole Life insurance offers level premiums and life insurance protection for as long as you live, provided that premiums are paid as required to keep the policy in force

What is Universal Life Insurance?

• A type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element (like whole life insurance) which is invested to provide a cash value buildup.
• Policy owners get to choose their coverage amount, which they can adjust whenever they need to.

Types of Universal Policies

• Variable Universal Life Insurance (VUL): This life policy allows the policyholder’s cash value to be distributed among different accounts that function similar to mutual funds. Since many investment vehicles are used such as stocks and bonds, VUL offers higher potential growth for the cash value, though with greater risk.
• Index Universal Life: Unlike the variable universal life, index UL provides principle protection to the policy owner’s cash value, less administrative fees and insurance costs. Index UL allows policy owners to deposit their cash value either in an equity index or fixed account.

What are the advantages and disadvantages of permanent life insurance?

- Long-term; goes on for the rest of your life.

- Flexible payments; allows you to put in money whenever you want, however you want.

- opportunity to earn interest over time.

- if you policy builds value, you can take money out, or save it for retirement.

Disadvantage

- Very expensive

- outside retirement investments linked to the stock market affect the flexibility, interest, and value of your policy.

The Difference between term Life,whole and universal insurance

What are the different types of permanent policies?

• Whole life: An insurance company promises to pay a certain death benefit upon your death, up to a certain agreed-upon age based on mortality and expense projections, along with dividend scale assumptions.
• Current Assumption Whole Life: Current Assumption policies make use of a current dividend scale in setting the cash value, along with an indeterminate premium structure.
• Participating Whole Life: All whole life policies are either participating or nonparticipating. A participating policy charges a higher premium and in return pays you regular dividends. Dividends are not guaranteed and depend on the company’s actual investment return experience with all of their in-force policies.
• Universal Life (Flexible Premium/Adjustable Life): This type of policy “un-bundles” the pricing elements that make up a traditional cash-value permanent policy and prices them separately. This gives you better transparency into the moving parts of your policy. However, with a traditional whole life policy, you have but one responsibility: to pay the premiums when due. If premiums are paid when they come due, the policy will never lapse, and eventually it will mature as a death claim.
• Guaranteed Universal Life: Guaranteed Universal Life policies comprise one of the fastest growing segments of the life insurance industry. These policies guarantee the death benefit as long as all scheduled premiums are paid in full when due. These policies may or not accumulate a cash value—they are designed to provide coverage past age 95/100 and up to age 120.

What are the different types of permanent policies? (cont.)

• Equity-Indexed Universal Life: Equity-Indexed Universal Life (EIUL) is a newer form of UL insurance that is extremely complex and combines elements of variable life (which you'll read about next) into the mix. Thee main differences between this and traditional UL is in how excess interest is credited. Most EIUL policies have two separate accounts that can be used to credit interest. One account has a fixed interest rate that is declared by the insurance company periodically. The second account provides an equity index option that offers you the opportunity to earn rates of interest based on positive equity (stock) market returns. However, the cash value of the EIUL policy is not exposed to losses due to negative market returns.
• Variable Life and Variable Universal Life: As with Universal Life polices, Variable Life and Variable Universal Life policies provide death benefits and cash values to beneficiaries. But here’s the crucial difference: whereas the premiums paid into most standard UL polices earn interest within a life insurance company’s General Account, as it’s known, Variable Life policies earn interest on a portfolio of investments that you as the policy owner choose from a selection offered by the company (key: check the selections). In addition, a Variable Life or Variable UL policy may be surrendered for its cash value at any time, and the policy owner also has the option of exchanging the policy for an annuity contract.
• Joint-Survivor (Second to Die) Life Insurance: Joint-Survivor Life is a type of coverage that can be a part of any type of permanent cash-value policy. This type of coverage insures two people (usually spouses) and pays a benefit only at the second death. It’s used primarily for estate planning purposes, as the estate tax is usually only payable at the second death.

What is the death benefit/face value of a life insurance policy?

The face value is usually written on the "Schedule of Benefits" page in a life insurance policy and is the amount the policy was originally written for factoring in any debts and/or earnings and any other material clauses as previously mentioned.

How does cash flow work?

Some companies will pay interest and other will pay dividends and interst. These policies will gain cash value that can down the road be used to help reduce the cost of the policy. Basically insurance get more expensive every year older you get. The companies will allow you build cash value to keep a policy in force and keep it permanent. Be wary of taking loans against this money as it is just that a loan. You will have to pay back as well as interest. If the cash value goes negative the policy will collapse and you will no longer have a policy. They are a little more complicated than term policies but they will be there for the long run. Talk to an insurane agent to understand them inside and out and how it will affect you.

Value upon cancellation of policy.

Cash values are usually agreed for the case of premature cancellations in those forms of insurance contracts, especially life insurance contracts, in which a portion of the premiums go toward a savings plan, like whole life insurance or endowment life insurance and other forms of Permanent life insurance. Such amounts are often certain to be paid, either in case of death or in case of survival, and therefore not under risk. The contract determines for each possible cancellation date the related cash value. If the investment of premiums is contractually made in an individual account, the cash value is the value of the investments in that account at any particular time. Such cash value credited to an individual account during the tenure of the policy keeps growing with every payment of premium. It also increments due to interest credited.

For information on factors go to this website:

http://www.ehow.com/how_1752_determine-amount-life.html

Life Insurance

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Product details

Life insurance is a contract between an insurer and a policy owner. A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured dies in exchange for the premiums paid by the policyholder during their lifetime.

For the contract to be enforceable, the life insurance application must accurately disclose the insured’s past and current health conditions and high-risk activities.

Many different types of life insurance are available to meet all sorts of needs and preferences. Depending on the short- or long-term needs of the person to be insured, the major choice of whether to select temporary or permanent life insurance is important to consider.

Decreasing Term Life Insurance -decreasing term is renewable term life insurance with coverage decreasing over the life of the policy at a predetermined rate. Convertible term life insurance allows policyholders to convert a term policy to permanent insurance. Renewable Term Life Insurance – is a yearly renewable term life policy that provides a quote for the year the policy is purchased. Premiums increase annually and is usually the least expensive term insurance in the beginning.

Permanent life insurance stays in force for the insured’s entire life unless the policyholder stops paying the premiums or surrenders the policy.  Term life insurance differs from permanent life insurance in several ways but tends to best meet the needs of most people. Term life insurance only lasts for a set period of time and pays a death benefit should the policyholder die before the term has expired. 

Most people use life insurance to provide money to beneficiaries who would suffer a financial hardship upon the insured’s death. However, for wealthy individuals, the tax advantages of life insurance, including the tax-deferred growth of cash value, tax-free dividends, and tax-free death benefits, can provide additional strategic opportunities.

Research policy options and company reviews—because life insurance policies are a major expense and commitment. It is critical to do proper due diligence to make sure the company you choose has a solid track record and financial strength.

This template will primarily be useful to insurance agents. You can provide detailed information on life insurance that your company offers. Also, this template can be used by university teachers when preparing courses on life insurance or calculating insurance benefits.

Also, this template can be used by analysts when preparing a report on insurance companies. For example, you might want to provide comparative data for several key metrics for different insurance companies.

Life Insurance Template is a stylish and professional template that contains four slides. All slides in the template can be easily customized to suit your corporate color requirements. Life Insurance Template will be useful for managers of insurance companies, insurance agents and analysts. This template’s slides will be a great addition to your professional presentation collection.

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