Retirement Savings Gap and Life Insurance Strategies
The low interest rate years were challenging for people trying to save for retirement. Low rates made savings products and life insurance less appealing
Life Insurance Value
What is life insurance value? The face value of a life insurance policy is the initial death benefit it will pay out if the insured passes away. For a term policy, this will remain the same over its life. For a permanent policy, the actual death benefit may grow or decrease as the cash value portion of the policy changes.
To calculate the cash surrender value of a life insurance policy, add up the total payments made to the insurance policy. Then, subtract the fees that will be changed by the insurance carrier for surrendering the policy. Cash value is a savings component typically included in permanent life insurance policies. Depending on your particular policy, the cash value can grow at a fixed or variable interest rate over time. You can borrow against your policy’s cash value in the form of a life insurance loan.
In this section, we have collected the most current articles and reviews on the topic of the Life Insurance Value.
U.S. & European Life Insurers’ CRE Exposure is Via Commercial Mortgage Loans
U.S. life insurers’ commercial real estate (CRE) exposure is predominantly via commercial mortgage loans, with more modest exposure
Life Insurance Value Chain — Distribution & Product Management
Traditional problems Life Insurance industry for decades—such as earnings sensitivity to external factors and opaque risks will remain
Global Life Insurance Industry is Facing an Inflection Point
Over the past decade, the global life insurance and retirement industry has experienced increasing instability
10 Dos & Don’ts Of Getting Your First Life Insurance Policy
The decision to purchase a life insurance policy is a significant step in securing financial stability for loved ones in the event of one’s passing
Top 10 Trends in the Global Life Insurance Market 2024
High demand for global life insurance and increased worldwide risk awareness sparked by the pandemic have encouraged carriers to personalize solutions
Indian Insurance Market Results: Scenario, Forcasts & Performance
Indian Insurance market stands at $131 bn. The Indian insurance industry grew at a CAGR of 17% over the last two decades
Most Insurance Companies are Sitting on Significant Investment Losses
The increase in interest rates over the last year has been positive for life insurers in Europe, improving both solvency and financial results
16 Most Common Life Insurance Myths You Don’t Need to Heed Anymore
There are many misconceptions and false information concerning life insurance. We are explores some of the most common life insurance myths
Life Insurance a Good Way to Save Money. How to Buy Term Life Insurance?
Buying a life insurance policy can help provide financial security to your family, such as by covering educational expenses for your children if you pass away before they finish school
Life Insurance Industry Results. Direct Premiums Written & Income by Line
Traditional life insurance is no longer the primary business of many companies in the life insurance industry. The emphasis has shifted to underwriting annuities
Why You Should Get Life Insurance? The Main Reasons
Life insurance is something that everyone needs, but in reality, far too few people have it. It’s easy to put aside the thought of buying life insurance when you’re young and healthy
Why Declining Appeal of Endowment Life Insurance is Hurting Financial Wellbeing?
While ensuring financial wellbeing is the core purpose of life insurance, traditional business models have come under stress as socio-economic, demographic, health
Marine mutual insurers and P&I Clubs are planning rate hikes for 2025, driven by rising claims and inflation pressures. Marine mutuals are under growing pressure
Hurricane Helene’s recent destruction underscores the rising flood risk impacting local economies and tax bases in the Eastern and Southern United States
Changes to reinsurance-related capital requirements proposed by the Australian Prudential Regulation Authority strengthen Australian general insurers’ credit profiles
European insurers' ratings will remain unaffected by the proposed capital surcharges on fossil fuel-related assets, according to EIOPA