11. Various Plans and Premium Practices

Chapters in this book

1. Frontmatter i
2. Preface to the Third Edition v
3. Contents vii
4. Introduction 1
5. 1. Some Early History and Background 3
6. 2. Life Insurance in Canada 14
7. 3. The Place of Life Insurance in a Modern Society 30
8. 4. Age and Mortality 39
9. 5. The Three Basic Plans: Term, Straight Life, and Endowment Insurance 54
10. 6. The Calculation of Net Premiums 59
11. 7. Policy-Reserves 71
12. 8. Criticisms and Fallacies 85
13. 9. Mutual and Stock Life Insurance Companies 97
14. 10. Head Office and Sales Organization 102
15. 11. Various Plans and Premium Practices 112
16. 12. Term Riders and Special Plans 124
17. 13. Annuities 132
18. 14. Settlement Options 148
19. 15. Participating Policies 154
20. 16. Policy Provisions 175
21. 17. Premiums, Expenses, and Non-Forfeiture Values 196
22. 18. Taxation 221
23. 19. Total Disability Benefits 233
24. 20. Double Indemnity Accident Benefit 247
25. 21. Mortality Trends and Tables 257
26. 22. Selection of Risks: Objectives and Functions 270
27. 23. Selection of Risks: The Medical Side 285
28. 24. Selection of Risks: Other Aspects 303
29. 25. Group Life Insurance 321
30. 26. Pension Funds 342
31. 27. Funding Methods of Pension Funds 359
32. 28. Government Supervision and Company Statements 371
33. 29. Investments of Life Insurance Companies 392
34. 30. Inflation and Life Insurance 411
35. 31. Industrial Life Insurance 430
36. 32. Fraternal Life Insurance 444
37. Index 455