Prospectus disclosure for variable life insurance policies

Prospectus disclosure for variable life insurance policies

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prospectus disclosure for variable life insurance policies

FIN 3660 Module 3

Chapters 7 and 8 Name:_____________________________

Please be sure to cite sources for your answers, even if they come from the textbook or PowerPoints. All answers should be in your own words.

1. Define and briefly discuss the following, including a situation in which this type of life insurance would be best:
2. Variable life Insurance
3. Variable adjustable life insurance
4. Variable universal life insurance
5. Explain how the cash value of a variable life policy differs from that of a whole life policy.
6. List information included in the prospectus disclosure for variable life insurance policies and explain each provision.
7. Describe variable universal life insurance and explain how it is different from a. universal life and b. variable life.
8. The surrender value may be taken in one of three forms. List and explain the three forms.
9. What is the effect of the premium loan clause? What are the advantages and disadvantages?
10. Define settlement options. Death benefits can be paid out in many ways. List and explain 5 of these options.
11. Joanna is the beneficiary of her mother’s life insurance policy. Under a settlement option, the policy provides that Joanna has a cumulative right to withdraw $4,000 each year in addition to periodic contractual payments. During the next 5 years, Joanna exercises the right of withdrawal according to the following pattern: year one, a $1,500 withdrawal, year two, no withdrawal, year three, a $2,000 withdrawal, year four, no withdrawal and year five, a $2,500 withdrawal. Ignoring other sums that can be withdrawn pursuant to the terms of agreement, what is the maximum amount Joanna can withdraw under the cumulative right of withdrawal in year six?
12. Prospectus disclosure for variable life insurance policies

RUBRIC
Excellent Quality 95-100%	Introduction 45-41 points The background and significance of the problem and a clear statement of the research purpose is provided. The search history is mentioned.		Literature Support 91-84  points The background and significance of the problem and a clear statement of the research purpose is provided. The search history is mentioned.			Methodology 58-53 points Content is well-organized with headings for each slide and bulleted lists to group related material as needed. Use of font, color, graphics, effects, etc. to enhance readability and presentation content is excellent. Length requirements of 10 slides/pages or less is met.
Average Score 50-85%	40-38 points More depth/detail for the background and significance is needed, or the research detail is not clear. No search history information is provided.		83-76  points Review of relevant theoretical literature is evident, but there is little integration of studies into concepts related to problem. Review is partially focused and organized. Supporting and opposing research are included. Summary of information presented is included. Conclusion may not contain a biblical integration.			52-49  points Content is somewhat organized, but no structure is apparent. The use of font, color, graphics, effects, etc. is occasionally detracting to the presentation content. Length requirements may not be met.
Poor Quality 0-45%	37-1 points The background and/or significance are missing. No search history information is provided.		75-1 points Review of relevant theoretical literature is evident, but there is no integration of studies into concepts related to problem. Review is partially focused and organized. Supporting and opposing research are not included in the summary of information presented. Conclusion does not contain a biblical integration.			48-1 points There is no clear or logical organizational structure. No logical sequence is apparent. The use of font, color, graphics, effects etc. is often detracting to the presentation content. Length requirements may not be met
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Prospectus disclosure for variable life insurance policies

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