history of life insurance - myceisonline：人寿保险- myceisonline history of

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1、THELIFEINSURANCECOURSETABLEOFCONTENTSCHAPTERONE-HISTORY&ELEMENTSOFLIFEINSURANCE1WHYLIFEINSURANCE3LAWOFLARGENUMBERS5DETERMININGPREMIUMFORLIFEINSURANCE6PRICING7YEARLYRENEWABLETERMRATECALCULATION8RESERVECALCULATION11FLEXIBLEPREMIUMPLANS11THESAVINGSELEMENT

2、INLIFEINSURANCE12POLICIESTHATPARTICIPATEINCOMPANYEXPERIENCE–ORNOT13NON-PARTICIPATINGPOLICIES13PARTICIPATINGPOLICIES14DIVIDENDPAYMENTOPTIONS14CashDividend14PremiumReduction14CURRENTASSUMPTIONPOLICIES15Chapter116CHAPTERTWO-THEINSURANCECONTRACT19CHARACTER

3、ISTICSOFLIFEINSURANCECONTRACTS20ELEMENTSOFACONTRACT21EFFECTIVEDATE22CONSIDERATION23CONTRACTFORLEGALPURPOSES23INSURABLEINTEREST23THEAPPLICATION24CONCEALMENT,MISREPRESENTATION,FRAUD24PRESUMPTIONOFDEATH25INCONTESTABLECLAUSE26SUICIDECLAUSE26GRACEPERIOD27DE

4、LAYPROVISION27EXCLUSIONS28AVIATION28WAREXCLUSION28BENEFICIARYPROVISION28BENEFICIARYDESIGNATIONS29PRIMARYBENEFICIARY29244CONTINGENTBENEFICIARY29REVOCABLEBENEFICIARYDESIGNATION29IRREVOCABLEBENEFICIARYDESIGNATION29NAMINGTHEBENEFICIARY30PERCAPITA30PERSTIRP

5、ES30MINORS,TRUSTSANDESTATES31UniformSimultaneousDeathAct31CommonDisasterProvision32NONFORFEITUREPROVISION32NONFORFEITUREOPTIONS33CASHSURRENDER33PAID-UPINSURANCE33EXTENDEDTERMINSURANCE34Chapter234CHAPTERTHREE–THEINSURANCECONTRACTII38SETTLEMENTOPTIONS38L

6、UMPSUM38INTERESTONLY38FIXEDAMOUNT39FIXEDPERIOD39LIFEINCOME40CASH/INSTALLMENTREFUNDANNUITY40LIFEINCOMEOPTIONWITHPERIODCERTAIN40JOINTANDSURVIVORSHIPOPTION41OTHEROPTIONS41EducationalOption41FlexibleSpendingAccount41IndividualizedOptions41ASSIGNMENTS41ABSO

7、LUTEASSIGNMENT42VIATICALSETTLEMENTS42COLLATERALASSIGNMENT43POLICYLOANS43COLLATERAL43INTEREST44DIRECTRECOGNITION44INTERESTPAIDONBORROWEDVALUES45LOANREPAYMENT45REINSTATEMENTCLAUSE45MISSTATEMENTOFAGE46RENEWALPROVISIONS47OPTIONALRIDERS/BENEFITS47WAIVEROFPR

8、EMIUM47PayorRider48PremiumWaiverandUniversalLife48AccidentalDeath48AccidentalDeathandDismemberment49LossAmountPaid49DisabilityIncomeRider49ACCELERATEDDEATHBENEFITRIDER50TerminalIllness50CatastrophicIllness50244LongTermCareCoverage50GUAR