Chapter12LifeInsurance.ppt

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Chapter12LifeInsurance.ppt

Chapter 12 Life Insurance McGraw-Hill/Irwin Copyright ? 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 12-* Chapter 12 Learning Objectives Define Life insurance and describe its purpose and principle Determine your life insurance needs Distinguish between the two types of life insurance companies and analyze various types of life insurance policies these companies issue Select important provisions in life insurance contracts Create a plan to buy life insurance Recognize how annuities provide financial security 12-* Life Insurance: An Introduction Objective 1: Define life insurance and describe its purpose and principle WHAT IS LIFE INSURANCE? Life insurance - Purchase policy; insurance company promises to pay a lump sum at the time of the policy holder’s death, or sometimes while they are still alive 12-* Life Insurance: An Introduction (continued) Purpose of life insurance: Protect someone who depends on you from financial loss related to your death. Other reasons are: Pay off a home mortgage or other debts at the time of death To leave as part of your estate To save money for retirement or for income or education for children To cover medical expenses and funeral costs 12-* Life Insurance: An Introduction (continued) THE PRINCIPLE OF LIFE INSURANCE Mortality tables provide odds on your dying, based on your age and sex HOW LONG WILL YOU LIVE? Your premium is based on your life expectancy and the projections for the payouts for persons who die 12-* Determining Your Life Insurance Needs Objective 2: Determine your life insurance needs DO YOU NEED LIFE INSURANCE? Do you have people you need to protect financially Do you have a partner who works? 12-* Determining Your Life Insurance Needs DETERMING YOUR LIFE INSURANCE OBJECTIVES How much money do you want to leave your dependents should you die today? When do you want to retire, and what income do you think you’ll need? How much will you be able to pay for you

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