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Latest episodes from HS 323 Audio: Individual Life Insurance (2015)

20 HS 323 Summary

Play Episode Listen Later Nov 4, 2015 11:16


Wed, 0

10 HS 323 Summary

Play Episode Listen Later Nov 4, 2015 4:39


Wed, 0

19 HS 323 Summary

Play Episode Listen Later Nov 4, 2015 7:00


Wed, 0

03 HS 323 Summary

Play Episode Listen Later Nov 4, 2015 4:28


Wed, 04 Nov 2

08-11-Calculate policy surrender values using the adjusted-premium method, and interpret the results in terms of the extent to which first-year expenses have been amortized.

Play Episode Listen Later Mar 31, 2015 4:03


08-08-Describe the possible approaches to a withdrawing policyowner's equitable treatment, including any adjustments that might be made to a policy's asset share in implementing those approaches.

Play Episode Listen Later Mar 31, 2015 2:42


08-12-Explain how surrender values are determined for nontraditional products such as universal life insurance.

Play Episode Listen Later Mar 31, 2015 1:14


08-06-Describe the structure, characteristics, and functions of the four fundamental settlement options.

Play Episode Listen Later Mar 31, 2015 3:52


08-09-Describe the requirements the Standard Nonforfeiture Law imposes on surrender values.

Play Episode Listen Later Mar 31, 2015 0:53


08-05-Explain the settlement agreement provisions concerning contract and current rates, rights of withdrawal and commutation, and minimum-amount requirements.

Play Episode Listen Later Mar 31, 2015 3:27


08-04-Describe the basic settlement option choices available to policyowners and policy beneficiaries.

Play Episode Listen Later Mar 31, 2015 1:27


08-10-Explain the philosophy underlying the adjusted-premium method, how a surrender value is computed with that method

Play Episode Listen Later Mar 31, 2015 1:08


07-04-Describe and understand variable universal life insurance policies.

Play Episode Listen Later Mar 31, 2015 1:21


08-03-Understand the underlying concepts and rules of settlement options.

Play Episode Listen Later Mar 31, 2015 1:04


08-02-Explain how policy loans affect surrender options, especially extended term insurance.

Play Episode Listen Later Mar 31, 2015 1:51


07-01-Describe the features of variable life, and understand its dual regulation status.

Play Episode Listen Later Mar 31, 2015 1:18


07-02-Be aware of the variable adjustable life policy and its features.

Play Episode Listen Later Mar 31, 2015 1:22


04-01-Describe and understand the nature and features of term life insurance.

Play Episode Listen Later Mar 31, 2015 0:52


05-04-Explain how some policies may be considered different because of insurer underwriting.

Play Episode Listen Later Mar 31, 2015 2:09


08-01-Describe and understand each of the surrender options required in policies with cash values.

Play Episode Listen Later Mar 31, 2015 1:08


04-02-Describe and understand the renewability and conversion provisions.

Play Episode Listen Later Mar 31, 2015 0:49


04-03-Compare term insurance variations and their usefulness.

Play Episode Listen Later Mar 31, 2015 1:18


05-05-Describe and understand the current assumption variations of life insurance.

Play Episode Listen Later Mar 31, 2015 1:37


06-01-Describe the universal life policy, and explain how its features differ from whole life policies.

Play Episode Listen Later Mar 31, 2015 1:12


05-02-Explain how joint life policies work and differentiate them from single-life policies.

Play Episode Listen Later Mar 31, 2015 1:04


05-01-Describe and understand the features of whole life insurance policies.

Play Episode Listen Later Mar 31, 2015 0:57


05-03-Understand how limited-payment whole life policies differ from ordinary life policies.

Play Episode Listen Later Mar 31, 2015 0:35


03-01-Understand and calculate, using a mortality table, some specific probabilities of living and of dying.

Play Episode Listen Later Mar 31, 2015 1:46


03-02-Understand and explain some of the considerations and adjustments that go into the creation of mortality tables.

Play Episode Listen Later Mar 31, 2015 2:23


03-03-Understand and explain the differences in some specific mortality tables and indicate their uses.

Play Episode Listen Later Mar 31, 2015 1:28


01-11-Describe the strengths and weaknesses of both liquidating and non-liquidating approaches to funding lifetime income needs.

Play Episode Listen Later Mar 31, 2015 1:52


02-03-Explain the operation of the level premium plan and its application to term insurance and ordinary life policies.

Play Episode Listen Later Mar 31, 2015 0:57


01-01-Describe the role of insurance in preserving a family’s economic security.

Play Episode Listen Later Mar 31, 2015 1:51


01-06-Identify and explain the expenses commonly associated with death and settling the deceased’s estate.

Play Episode Listen Later Mar 31, 2015 1:22


01-07-Identify and explain the ongoing income needs of family survivors.

Play Episode Listen Later Mar 31, 2015 0:53


01-03-Explain the role that present-value calculations play in determining the required amount of insurance.

Play Episode Listen Later Mar 31, 2015 2:36


01-05-Describe the business uses of life insurance.

Play Episode Listen Later Mar 31, 2015 2:41


02-02-Describe how the premium for yearly renewable term insurance is determined.

Play Episode Listen Later Mar 31, 2015 1:17


02-04-Explain the tax treatment of life insurance.

Play Episode Listen Later Mar 31, 2015 1:36


01-10-Understand the general categories of needs and the kinds of information necessary to evaluate those needs in determining the appropriate ammount of life insurance.

Play Episode Listen Later Mar 31, 2015 0:41


01-08-Identify and explain the potential sources of retirement income..

Play Episode Listen Later Mar 31, 2015 0:34


02-01-Explain the concept of risk pooling and how it applies to life insurance.

Play Episode Listen Later Mar 31, 2015 0:48


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