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留学生保险学论文——寿险需求分析 [3]

论文作者:英语论文论文属性:作业 Assignment登出时间:2014-12-24编辑:yangcheng点击率:19322

论文字数:6617论文编号:org201411122345315827语种:英语 English地区:美国价格:免费论文

关键词:留学生论文保险学Economics EssayInsurance

摘要:本文是一篇关于寿险需求分析的留学生保险学论文,在本文中,被保险人定期支付保费给保险公司,一旦政策被接受并且代替这一点,保险承诺在保险人死亡时或满一届定时间内支付一笔固定数额给保险人,以较早者为准。支付终身保险是一定的,但对于其保险采取的事件也不是很确定。

ct at the time of need analysis – will provide an annual income stream equivalent to the annual lost earning power of the life insured.
 
This can be expressed as :
 
Annual Income Need ÷ prevailing Interest Rate = Lump Sum insurance required
 
Capitalization of income determines the amount of insurance needed to replace that lost income. Capital retention determines the amount of insurance needed to pay capital costs of survivors by providing a lump sum—the interest earned on the lump sum provides the income.
 
For example; if today’s interest rate is 4%, the capitalized value of a life insured who earns Rs. 60,000 annually is Rs. 60,000 / 4% i.e. Rs. 15,00,000. This means Rs.15 lacs would have to be invested at 4% so that Rs. 60,000 could be used annually for expenses that would have been paid by the income earner.
 
For the Financial Dependency of Survivors
 
The three phases of financial dependency and the costs that survivors will face during these phases are :
 
Readjustment/ Last Expenses
 
Dependency/ Ongoing Expenses
 
Survivor Life Income Needs/ Future Expenses
 
(all explained later in this chapter)
 
It provides ample information to establish the most effective means for that potential loss. Considerations can be personal, property or the liability. Needs Analysis can help determine the right amount of life insurance that is appropriate for your needs. It explains the overall principals behind estimating the costs associated with the death or disablement of an income earner and the provision of ongoing support for any dependants and/or the insured. Also outlines the factors to consider in the planning the amount of cover for short term disablement or illness. Again it explains how the value of property assets should be estimated for insurance purposes and develops a comprehensive and integrated set of insurance policy options for the particular client’s needs and circumstances. These other assets will help in determining the amount and kind of insurance necessary to meet the applicant’s current and future needs. When estimating the potential contribution of Social Security benefits to survivors' income, you should be aware of something known as the ‘blackout period’. This is the period of time after the youngest child is 16 years old and before the surviving spouse becomes eligible for retirement benefits. During this period, no benefits will be paid by Social Security to a surviving spouse.
 
Offsetting benefits may reduce or even eliminate some of the items in the needs list. If existing Medical insurance has a large lifetime benefit, any uninsured exposure related to a last illness may be limited to the deductibles and coinsurance, if any. Existing life insurance may substantially reduce a number of needs. Group life insurance will not provide a retirement income, but it will reduce the need for insurance by a working parent working with minor children in the family. An unpaid mortgage may already be fully insured by a credit life policy. Social Security and other available benefits might cut the remaining need for retirement income considerably.
 
How much Life Insurance/ Determining the Need for Life Insurance (A General Concept)
 
Well, the answer isn’t reall论文英语论文网提供整理,提供论文代写英语论文代写代写论文代写英语论文代写留学生论文代写英文论文留学生论文代写相关核心关键词搜索。
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