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Loma Level 1 Essays

In: Other Topics

Submitted By amisumanbolchi
Words 39952
Pages 160
Prepared By:

Advantage Team, Metlife

1. Amitabha Roy 2. Sandeep Shekhar 3. Sudipta Chatterjee 4. Sanjoy Dey 5. Sumantra Gupta

TABLE OF CONTENTS

CHAPTER 1: INTRODUCTION AND INDIVIDUAL LIFE INSURANCE 3
CHAPTER 2: REGULATION OF THE INSURANCE INDUSTRY 5
CHAPTER 3: INTRODUCTION TO RISK AND INSURANCE 9
CHAPTER 4: MEETING NEEDS FOR LIFE INSURANCE 15
CHAPTER 5: THE INSURANCE POLICY 19
CHARTER 6: PRICING LIFE INSURANCE. 22
CHAPTER 7: TERM LIFE INSURANCE 26
CHAPTER 8: PERMANENT LIFE INSURANCE AND ENDOWMENT INSURANCE 30
CHAPTER 9: SUPPLEMENTARY BENEFITS 37
CHAPTER 10: LIFE INSURANCE POLICY PROVISIONS 44
CHAPTER 11: LIFE INSURANCE BENEFICIARY POLICIES 50
CHAPTER 12: ADDITIONAL OWNERSHIP RIGHTS 52
CHAPTER 13: PAYING LIFE INSURANCE POLICY PROCEEDS. 59
CHAPTER 14: PRINCIPLES OF GROUP INSURANCE POLICY 63
CHAPTER 15: GROUP LIFE INSURANCE. 68
CHAPTER 16: ANNUITIES AND INDIVIDUAL RETIREMENT SAVINGS PLANS 73
CHAPTER 17: GROUP RETIREMENT AND SAVINGS PLAN. 84
CHAPTER 18: MEDICAL EXPENSE COVERAGE 90
CHAPTER 19: DISABILITY INCOME COVERAGE. 94
CHAPTER 20:TRADITIONAL GROUP HEALTH INSURANCE PLANS 98
CHAPTER 21: TRADITIONAL INDIVIDUAL HEALTH INSURANCE POLICIES 104
CHAPTER 22: MANAGED CARE PLANS 109
CHAPTER 23: REGULATION OF HEALTH INSURANCE 113

CHAPTER 1: INTRODUCTION AND INDIVIDUAL LIFE INSURANCE

Insurance companies are organized as either • Stock Insurance companies Company has stock that is bought by shareholders. So company is owned by shareholders. These share holders get dividends. No. of companies: 1604 Income from Premium: 226 billion Dollar amount of Life Insurance in force: 9.8 trillion

• Mutual Insurance companies This type of company is owned by its policy owners. Policy owners receive...

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