The pricing of life insurance policies is complex and dynamic. There are four factors that primarily drive pricing and policy performance: mortality, investment earnings, expenses and taxes, and persistency. The impact of the varying pricing factors on policy performance will vary in importance depending on the type of policy design. Each pricing factor is based on current experience, usually from the insurer itself but sometimes complemented by data from actuarial consulting firms, public sources, or reinsurers.
This M Intelligence piece will explore the product mechanics and design considerations of Whole Life (WL) insurance. There are two general categories of WL...
This presentation will explain the rationale and process that will help you decide which funding method, Fully Insured or Partially Self-Funded, is appropriate for the health insurance in your organization. If it is Partially Self-Funded, the (patent pending) softeare will determine the most effective stop loss limit. Monte Carlo simulation software (patent pending) will also provide you a risk reward analysis. For a presentation with sound, call 888-781-2698.
A Power Point presentation on how Fleur De Lis Financial/Mass Mutual can help you save for retirement in a conservative way, if you looking for safe investments, secure retirements, take a look at this presentation.
This M Intelligence piece will explore the product mechanics and design considerations of Whole Life (WL) insurance. There are two general categories of WL...
This presentation will explain the rationale and process that will help you decide which funding method, Fully Insured or Partially Self-Funded, is appropriate for the health insurance in your organization. If it is Partially Self-Funded, the (patent pending) softeare will determine the most effective stop loss limit. Monte Carlo simulation software (patent pending) will also provide you a risk reward analysis. For a presentation with sound, call 888-781-2698.
A Power Point presentation on how Fleur De Lis Financial/Mass Mutual can help you save for retirement in a conservative way, if you looking for safe investments, secure retirements, take a look at this presentation.
Taking a closer look at what your company needs to know about moving from a fully-insured to a self-funded health benefits environment. Originally presented by Greg Bass, Senior Consultant/Benefits Division Manager for The Starr Group, this presentation shares the "secret formula" for health insurance programs that successfully work WITH ObamaCare!
Survivor universal life insurance 4088541883 san jose california connie dello...Connie Dello Buono
connie dello buono 4088541883 san jose california ca life ins lic 0G60621 on page 3 is about preserving your heir's inheritance, charitable gifts, key person coverage and wealth transfer
The Pros and Cons of Self-Insured vs. Fully Insuredbenefitexpress
This webinar reviews which factors and employer should consider in self-insuring and full benefits. It will discuss the legal, administrative, and ee issues.
What is the difference between Whole Life and Indexed Universal Life for Reti...Michael Grigsby
I get asked a lot about how Whole Life insurance differs from Indexed Universal Life insurance, particularly when it comes to retirement planning. In this presentation, I note the similarities between these forms of permanent insurance, the differences, and why you might use one instead of the other.
Advanced Markets Insight: Common Life Insurance MistakesM Financial Group
Life insurance can be used to accomplish many important planning objectives. However, if improperly managed, policy proceeds may be inadvertently subject to estate, gift, or income tax. An understanding of life insurance products and tax laws, as well as planning mistakes to avoid, will help to maximize the value of the life insurance asset.
Print: http://bit.ly/1UVS5jB
Near the end of each calendar year, mutual insurance companies declare their dividend interest rates (DIRs) on participating whole life (WL) insurance policies for the following year.
Our latest M Intelligence piece provides information on the elements that drive changes in DIRs—as supported by historical DIR results, insurance company asset allocations, and investment returns.
Taking a closer look at what your company needs to know about moving from a fully-insured to a self-funded health benefits environment. Originally presented by Greg Bass, Senior Consultant/Benefits Division Manager for The Starr Group, this presentation shares the "secret formula" for health insurance programs that successfully work WITH ObamaCare!
Survivor universal life insurance 4088541883 san jose california connie dello...Connie Dello Buono
connie dello buono 4088541883 san jose california ca life ins lic 0G60621 on page 3 is about preserving your heir's inheritance, charitable gifts, key person coverage and wealth transfer
The Pros and Cons of Self-Insured vs. Fully Insuredbenefitexpress
This webinar reviews which factors and employer should consider in self-insuring and full benefits. It will discuss the legal, administrative, and ee issues.
What is the difference between Whole Life and Indexed Universal Life for Reti...Michael Grigsby
I get asked a lot about how Whole Life insurance differs from Indexed Universal Life insurance, particularly when it comes to retirement planning. In this presentation, I note the similarities between these forms of permanent insurance, the differences, and why you might use one instead of the other.
Advanced Markets Insight: Common Life Insurance MistakesM Financial Group
Life insurance can be used to accomplish many important planning objectives. However, if improperly managed, policy proceeds may be inadvertently subject to estate, gift, or income tax. An understanding of life insurance products and tax laws, as well as planning mistakes to avoid, will help to maximize the value of the life insurance asset.
Print: http://bit.ly/1UVS5jB
Near the end of each calendar year, mutual insurance companies declare their dividend interest rates (DIRs) on participating whole life (WL) insurance policies for the following year.
Our latest M Intelligence piece provides information on the elements that drive changes in DIRs—as supported by historical DIR results, insurance company asset allocations, and investment returns.
M White Paper: NACI IUL Illustration Guideline DebateM Financial Group
This M White Paper is designed to provide details on the IUL illustration debate, articulate the position shared by a majority of the industry, and provide our Member Firms support in the event a client or advisor has questions in light of recent publicity.
Advanced Markets Insight: Nonqualified Deferred Compensation—Demystifying the...M Financial Group
A nonqualified plan can help an employer accomplish its objective of recruiting, retaining, and rewarding key employees through income tax-deferred compensation. A phantom stock plan is a popular and effective nonqualified deferred compensation plan used by employers to share value with selected key employees without relinquishing business control and decision-making powers. As a result, the employee has the ability to share in the success of the company without capital investment or shareholder liability.
In this 40-minute presentation, I review a handful of hiking destinations in the NY metro area. In addition to covering trails, camp sites and history, I also share information on how to access each area, with an emphasis on mass transit. This presentation makes use of maps, directional aids and images.
JMango360: Van web naar app (MARCOM14)
JMango360 is een krachtige doe-het-zelf app bouwer voor het MKB. Het is verrassend eenvoudig om zelf een zeer hoogwaardige mobiele applicatie te maken waar jij als ondernemer trots op kunt zijn. Een app bouwen is nog nooit zo makkelijk en financieel aantrekkelijk geweest. In drie stappen bouw je snel en zonder enige programmeer kennis - je eigen mobiele app met een uniek uiterlijk, passend bij jouw bedrijf.
De m-commerce module is volledig geintegreerd met Magento. Hierdoor kan elke Magento webshop eigenaar zijn of haar webshop koppelen met de mobiele applicatie.
Sinds 2008 bouwt JMango mobiele applicaties voor diverse bedrijven, van start-ups tot grote ondernemingen. Onze visie is om alle bedrijven van groot tot klein het mobiele kanaal optimaal te laten inzetten, om klanten te werven, te informeren en als verkoop kanaal. Om mobiele apps voor iedereen bereikbaar te maken, hebben we JMango360 ontwikkeld.
Ruth Silveira - 2 e 3 quartos próximo ao Minas Shopping, Hotel Ouro Minas, Mi...Ana Estevan
Ruth Silveira - 2 e 3 quartos próximo ao Minas Shopping, Hotel Ouro Minas, Minas Casa e Leroy Merlim. Empreendimento torre única com lazer completo e duas vagas de garagem.
No bairro Ipiranga, de frente para a Jacuí.
Ligue agora 3196873043 ou 3134450439 para mais informações e agende uma visita ao apartamento decorado.
Spencer Lodge Fund Advisers Dubai Life Insurance. Spencer Lodge MD of Fund Advisers Dubai Universal life insurance offers you the freedom to increase or decrease your policy’s death benefit to fit your individual needs. Policies have minimum and maximum premium amounts that you must meet to maintain your coverage, but the timing of payments can be flexible. Access to cash values Universal life insurance policies have a cash value that has the potential to increase over time. If financial needs arise, you can tap into your policy by taking tax-advantaged policy loans and making partial withdrawals without income taxes.
Advanced Markets Insight: The Importance of Life Insurance Policy ReviewsM Financial Group
Life insurance is an important part of an overall financial plan and regular reviews performed by an experienced professional can determine whether policies are performing according to expectations and meeting financial objectives. There are many factors to consider that may impact the performance and suitability of a life insurance policy.
1-The Basics Parts of an Insurance Contract
Declarations
Definitions
Insuring Agreement
Exclusions
Conditions
Deductibles
Miscellaneous Provisions
Insured
Rider And Endorsement
2-COINSURANCE
A coinsurance formula is used to determine the
amount paid for a covered loss. The coinsurance for-
mula is as follows:
(Amount of insurance carried/Amount of insurance required) * Loss = Amount of recovery
I recently returned from the MDRT meeting in Vancouver BC, many of the "big hitters" are using the "Living Benefit" policies because of the "added value" they bring to the client along with "something new and different" to the insurance discussion ( i.e. do you have the "old" insurance or the "new" insurance? etc.) They also mentioned the statistic that 80% of the people will have a Heart, Stroke, or Cancer concerns ( Critical Illness) in their lifetime.
Self-Owned Life & Retirement Insurance Arrangement (S.O.L.A.R.)Lee Rogers
A Self Owned Life & Retirement (S.O.L.A.R.) Insurance Arrangement is an arrangement where an executive purchases a Voya Indexed Universal Life-Global Choice (Voya IUL-Global Choice) policy, issued by Security Life of Denver Insurance Company, to provide death benefit protection and to help accumulate funds for retirement. The arrangement can be funded through employer contributions (as a §162 bonus plan), through after-tax contributions from the executive, or a combination of both. While premium payments must be treated as ordinary income, the executive can borrow money from the Voya IUL-Global Choice life insurance policy to pay income taxes. The executive can use the policy as a source of supplemental retirement income, as a source of survivorship benefits, or both.
Similar to Advanced Markets Insight: Life Insurance Basics—Life Insurance Pricing and Policy Mechanics (20)
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Advanced Markets Insight: Life Insurance Basics—Life Insurance Pricing and Policy Mechanics
1. A D VA N C E D
M A R K E T S I N S I G H T
M Financial Group’s
Advanced Markets Insights
are designed to help clients
understand sophisticated
planning strategies and
their applications.
M Financial Group
continues to lead the
industry in insurance due
care and client advocacy,
providing valuable insight
and anlysis that delivers
significant value to clients.
The pricing of life insurance policies is complex and dynamic. There are four factors
that primarily drive pricing and policy performance: mortality, investment earnings,
expenses and taxes, and persistency. The impact of the varying pricing factors on
policy performance will vary in importance depending on the type of policy design.
Each pricing factor is based on current experience, usually from the insurer itself but
sometimes complemented by data from actuarial consulting firms, public sources, or
reinsurers.
Life Insurance Pricing Factors
Mortality Charge
A policy charge intended to cover the death claims paid by the insurance company.
Mortality charges are primarily based on insurance company recent historical
mortality experience. For Universal Life, the mortality charge is transparent (i.e.,
unbundled) and defined as the cost of insurance (COI) charge. For Whole Life, the
mortality charge is not explicitly revealed, but is included in the guaranteed values and
dividends (i.e., bundled). Specifically for Universal Life, the COI charge is a function
of a COI rate multiplied by the net amount at risk (NAR). The COI rate is equal to
the probability of death and loaded for deviation contingencies, profit, and potentially
to cover other insurer expenses. The NAR equals the total death benefit less the cash
value. Consequently, mortality charges will be higher for lower premium funding due
to the lower resulting account values (and higher NAR) and vice versa. See illustrated
NAR example below.
Life Insurance Basics: Life Insurance
Pricing and Policy Mechanics
Insurer Perspective
(Pricing Factors)
Policyholder Perspective
(Assumptions)
Mortality Experience + Mortality Margin = Mortality Charge
Investment Earnings - Interest Spread = Interest Credit
Expenses & Taxes + Expense Margin = Loading Charges
$0
$1,000,000
$2,000,000
$3,000,000
$4,000,000
$5,000,000
$6,000,000
1 11 21 31 41 51 61
Death Benefit
Net Amount
At Risk
Cash Value
Years
2. Interest Credit
Universal Life provides a crediting interest rate applied to the underlying cash value. Whole Life provides a
dividend interest rate not applied to the underlying cash value but bundled within the dividend. Both rates are
subject to guaranteed minimums and are typically backed by the issuing insurance company’s portfolio of high-
quality fixed income instruments such as bonds and mortgages. Variable contracts are different in that their
credited investment earnings are based on sub-account allocations, which may include investment options, such
as equities and fixed income, chosen by the policyholder and are not subject to a guaranteed minimum (i.e., 100%
of the investment risk is transferred to the policyholder). Index UL contracts credit interest based on the gain of
an underlying index (e.g., S&P 500) and subject to a participation rate (e.g., 100%), cap rate (e.g., 12%), and floor
(e.g., 0%).
Loading Charges
Policy charges intended to cover insurer expenses, taxes, and contingencies; for Universal Life these can come in
a variety of forms:
• A flat dollar amount assessed per month
• A percentage of premium charge
• A charge per $1,000 of face amount
• And sometimes an asset-based fee (percentage of account value)
For Whole Life, the loading charges are bundled in the guaranteed values and dividends and are usually not
transparent, but they are certainly being applied.
Surrender Charge
Some policies include an additional charge assessed against a policy’s cash value and only applied if the policy is
terminated early (i.e., surrendered).
Persistency
Persistency is another pricing factor that typically is not disclosed whether the product is bundled or not.
Persistency reflects the ratio of policies that stay in force (i.e., do not lapse or are not surrendered). Typically,
strong persistency helps policy pricing and performance as it supports ongoing insurer earnings from the policies
remaining on the books.
In both unbundled and bundled policies, the insurer uses the policyholder charges to cover death claims and
expenses, and credits interest to the policy based on investment earnings. The margins and spreads are incorporated
by the insurer to provide contingencies for deviations in experience and provide profit. The entire package of
loadings and credits determines insurer profitability and policy performance.
Life Insurance Policy Mechanics
Some products, such as Universal Life, are unbundled where the interest credits and charges are transparent and
represent current insurer experience. The underlying policy contract specifies the individual credits and charges
and most carrier illustration systems can provide specific details.
Other products, such as Whole Life, are bundled where the interest credits and charges are not transparent, but all
the pricing factors still apply. For Whole Life, the dividend represents a bundled credit for current experience that
is more favorable than other conservative guaranteed factors. The individual components impacting the dividend
are not reported.
For Universal Life, which has flexible premiums, policy coverage remains in force as long as the cash value remains
positive (the policy lapses when the cash value goes to zero). For Whole Life, the fixed premium schedule ensures
a positive cash value for life. For both policy types, the cash value is simply an accumulation of premium (policy
owner payment made to an insurance company to place and maintain an insurance contract in effect), interest
credits, and loading charges (refer to chart below). Some policies include a surrender charge that only applies if a
policy is fully surrendered.