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Life Insurance Basics (2020)

Insurable Interest and Determining Amount

Insurable Interest
Determining Amount of Life Insurance
Human Life Value Approach
Needs Approach

Personal Uses of Life Insurance

Survivor Protection
Estate Creation
Liquidity
Estate Conservation

Business Uses of Life Insurance

Key Person
Change of Insured Provision
Executive Bonuses
Deferred Compensation Funding
Buy-Sell Funding
Split Dollar Plans

Classes of Life Insurance

Group vs. Individual
Ordinary vs. Industrial
Term vs. Permanent
Participating vs. Nonparticipating
Fixed vs. Variable

Premiums

The Main Factors
Mortality
Interest & Expenses
Premium Concepts
Premium Frequency

Field Underwriting

Underwriting
Application Procedures
Application Part 1
Application Part 2 and Agent’s Report
Application Signatures and Changes
Conditional Receipt

Licensee Responsibilities

Disclosure of Insurance Information
Advertising
ULHIGA
Illustrations
Policy Summary
Buyer’s Guide
Variable License
Annuity Suitability
Policy Cost Comparison
Replacement

Company Underwriting

Underwriting Information
Sources of Underwriting Information
Paramedical (Paramed) Report
Medical Examination and APS
Medical Information Bureau (MIB)
Consumer Reports
HIV Testing
Risk Assignment
Classifications of Risk

Policy Delivery

Effective Date of Coverage
Policy Review

Life Settlements

Assignment Clause
Stranger Owned
Viatical Settlement
Life Settlement
STOLI

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