financial planning and the role of insurance财务规划和保险的作用

《financial planning and the role of insurance财务规划和保险的作用》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、FINANCIALPLANNINGTABLEOFCONTENTSCHAPTERONE–PROFESSIONALISM&TRADITIONALPOLICIES1CertifiedFinancialPlanners(CFP)2TheCharteredFinancialConsultant(ChFC).3MastersofScienceinFinancialServices(MSFS).3PersonalFinancialSpecialists(PFS).3College/UniversityCourses.4WHYLIFEINSURANCE5Death5DeathBenefits

2、5CASHACCUMULATION6PERMANENTANDTERMINSURANCE6TERMINSURANCE7LEVELTERM7DECREASINGTERM7INCREASINGTERM8ThePolicyPeriod8ThePremium8AutomaticallyRenewableTerm8IndeterminatePremiums9Re-EntryFeature9Renewability9CONVERTIBLETERM9Attained/OriginalAge10FamilyCoverage10FamilyIncomeCoverage11HowCashValue

3、sAccumulate11SinglePremium12LIMITEDPAYMENTPOLICIES12AdvantagesofLimitedPayPolicies13Chapter1–STUDYQUESTIONS13CHAPTERTWO-UNIVERSALLIFEINSURANCE15WillingnesstoTakeRisks15Flexibility15InsuranceIndustryResponse:UniversalLife15AnAdjustableDeathBenefit16DeathBenefitOptions16InterestOnTheCashValue

4、Account17ChargestotheAccount18OtherCharges:18Universallifepremium19TheAdjustablePremium19ExampleofUniversalLifeFlexibility20UniversalLifeandtheStagesofEconomicLife21UNIVERSALLIFEDURINGPERIODSOFECONOMICDOWNTURN22222MultipleUsesforCashValue23Back-EndLoadingvsFrontEndLoading24PartialWithdrawal

5、s24RepaymentofWithdrawal24PartialWithdrawals24WithdrawalofEntireCashValue25RepaymentofPolicyLoan25CHAPTER2–STUDYQUESTIONS27CHAPTERTHREE-VARIABLELIFEINSURANCE30THEVARIABLEDEATHBENEFIT30TheAssumedInterestRate30TheSeparateAccount30FIXEDPREMIUMS31SinglePremiumVariableLife31LoansandWithdrawals32

6、RegulationofVariableLife32ProfessionalAccountManagement33ExchangeforFixedinterest33VARIABLELIFEREGULATIONS33CONCERNSREGARDINGTHESAFETYOFVARIABLELIFEINSURANCE35CHAPTER3–STUDYQUESTIONS37CHAPTERFOUR-VARIABLEUNIVERSALLIFE40POLICYEXPENSES40VULDURINGTIMESOFDECLINEINFINANCIALMARKETS41COMPETINGWITH

7、OTHERINVESTMENTPRODUCTS42AlsoKnownAs:43AverageVariableUniversalLifePremium43APPLICATIONSOFVARIABLEUNIVERSALLIFE43POLICYCOMPARISONSOFVARIABLELIFE&VARIABLEUNIVERSALLIFE44COMPARISONOFVARIABLELIFEANDVARIABLEUNIVERSALLIFE45COMPARISONOFVARIABLELIFEANDVARIABLEU