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All About Life — Part A (Idaho)

4 credits

Course #: 6000138473

History

Roman Burial Clubs
Modern Life Insurance
First Life Company in America

Involved Parties

Insured
Policyowner
Beneficiary
Insurer
Producer

Terminology

Issue Age & Attained Age
Insurable Interest & Premium
Face Amount & Cash Value
Surrender & Surrender Value
Amount at Risk & Endowment Age
Decedent & Death Benefit

Estate Planning Basics

Will & Probate
Estates

Advantages

Safety, Liquidity, Income Taxes
Probate
Estate Taxes

Final Expenses
Grieving Period
Living Expenses
Estate Conservation
Future Obligations
Other Uses

Executive Bonus Plan
Split Dollar Arrangement
Buy / Sell Agreement
Key Person
Group Term Insurance
Deferred Compensation Plan

Standard Features

Assignment & Incontestability
Free Look & Grace Period
Dividends & Reinstatement
Misstatement & Suicide

Types Comparison

Characteristics
Major Advantages
Major Criticisms

Term Life

How it Works
Annual Renewable Term (ART)
Level Premium Term
Decreasing Term

Whole Life

How it Works
Straight Life
Limited Payment Life
Single Premium Life

How it Works
Option A
Option B
Cash Value Growth

Fundamentals
Term Life
Permanent Life
Example 1
Example 2

Simple Needs Analysis

Income Factor Approach
Human Life Value Approach
Caution

Advanced Needs Analysis

Final Expenses
Grieving Period
Calculation Resources
Debt Cancellation
Emergency Fund
College Costs
Wedding Costs
Survivor Living Expenses
Available Assets & Income

Needs Segmentation

Needs Analysis by Segment
Children
Single Adults without Children
Adults with Children
Working Empty Nesters
Retired

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