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Invest in Your Life by Ronald M. Roth,Bruce J. Weinstein Pdf
This book explains investing in the life insurance market. It explains what the market for used life insurance is and where it came from, and the steps to take through the entire process of a policy sale.
This book, adopting machine learning techniques for the financial planning field, explores the demand for life insurance as seen in previous literature and both estimates and predicts the demand for the adoption of life insurance using these techniques. Previous studies used diverse perspectives, like actuarial and life span, in order to understand the demand for life insurance, though these approaches have shown inconsistent findings. Employing two theoretical backgrounds—ecological systemic theory and artificial intellectual methodology—this book explores a better estimation and a prediction of the demand for life insurance and will be of interest to academics and students of insurance, financial planning, and risk management.
Determinants of Life Insurance Consumption Across Countries by Thorsten Beck,Ian Webb Pdf
The importance of life insurance companies as part of the financial sector has significantly increased over the past decades, both as provider of important financial services to consumers and as a major investor in the capital market. However, the authors still observe a large variance in life insurance consumption across countries, which raises the question of its determinants. The authors use a greatly expanded data set on life insurance consumption to examine the determinants of the demand and supply of life insurance products across countries and over time. Using a cross-sectional sample of 63 countries averaged over 1980-96, the authors find that educational attainment, banking sector development, and inflation are the most robust predictors of life insurance consumption, while income is only a weak predictor. The results on educational attainment and inflation are confirmed in a panel of 23 countries over the period 1960-96. The results strengthen the case for promoting price stability, financial sector reform, and an efficient education system if life insurance and its many benefits are to be fully realized in an economy.
Current and future problems of life insurance companies by Tanja Herkert Pdf
In the industrialized countries, around the end of the nineteenth century the life insurance companies started integrating death into the business world. The process of monetarizing life was born. This paper examines how the term life insurance can be defined and which kinds of life insurance exist, focusing on the two countries Germany and the United States. It will show that there are mainly three types of life insurances as well in Germany as in the United States which are term life insurance, endowment insurance and annuity insurance. Focusing then on the consumption of life insurances the different factors of demographic, economic and institutional determinants will be taken into account and examined again for both countries, Germany and the United States. After explaining what the different factors influencing life insurance consumption are and how they correlate to the consumption it is being analyzed which risks insurance companies are facing today and will face in the future. The main risks are lower life insurance consumption due to the (external) influencing factors and longevity risk. Longevity risk will then be explained based on the concept of life tables as well as how to hedge against longevity risk including calculations. Lastly a conclusion will be drawn, summing up the problems and risks that arise for insurance companies and offering a solution.
Guide To Understanding Life Insurance by Virginia B. Morris Pdf
Index Investing is a 24 page booklet that explains what indexes are, the information they provde, and how they serve as the basis for several investment products.
Life & Health Insurance by Kenneth Black,Harold D. Skipper Pdf
This current, accurate and detailed industry guide for financial service professionals examines life and health insurance simultaneously from the viewpoints of the buyer, the advisor, and the insurer--providing a comprehensive and unbiased treatise on individual and group life; a forthright appraisal of life and health insurance industry products with careful consideration of the environment; and a complete examination of life insurance company operations and regulation. Bases financial treatment of life insured operations on modern financial theory, and devotes entire chapters to the economics of life and health insurance; individual life and health insurance policies; life and health insurance evaluation; the uses of life and health insurance in personal and business planning; government and employee benefit plans; and the management, operation, and regulation of life insurance companies. Offers a strong global orientation, supporting fundamental concepts with an extensive integration of economic and financial theory and international comparisons, and examines how today's health insurance products fit into a broad framework from a contractual, cost, and performance viewpoints. New chapters on the tax treatment of life and health insurance address such areas as estate planning, retirement planning, and the business uses of life and health insurance. For financial planners, salesmen, actuaries, investment managers, attorneys, CPAs, and other financial service professionals.
United Nations Department of Economic and Social Affairs
Author : United Nations Department of Economic and Social Affairs Publisher : United Nations Page : 32 pages File Size : 45,5 Mb Release : 2016-01-27 Category : Political Science ISBN : 9789210576123
World Population Ageing 2015 Highlights by United Nations Department of Economic and Social Affairs Pdf
Accurate, consistent and timely data on global trends in population age structure are critical for assessing current and future needs with respect to population ageing and for setting policy priorities to promote the well-being of the growing number and share of older persons in the population. This publication presents the highlights of the World Population Ageing 2015 report, which summarizes the trends in population ageing drawn from the latest United Nations estimates and projections of population by age and sex of 233 countries or areas, as published in World Population Prospects: the 2015 Revision. The present Highlights focuses in particular on the period from 2015 to 2030, the implementation period identified for the 2030 Agenda for Sustainable Development, and discusses some implications of trends in the number and share of older people for development planning.
