第11章人寿保险精品.pptVIP

Copyright ? 2008 Pearson Addison-Wesley. All rights reserved. 11-* Type of Whole Life Insurance Current assumption whole life insurance is a nonparticipating whole life policy in which the cash values are based on the insurer’s current mortality, investment, and expense experience An accumulation account reflects the cash value under the policy If the policy is surrendered, a surrender charge is deducted from the accumulation account A guaranteed interest rate and current interest rate are used to determine cash values A fixed death benefit and maximum premium level at the time of issue are st