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  2. Money-back policy - Wikipedia

    en.wikipedia.org/wiki/Money-back_policy

    The plan is available with 20 years and 25 years term. In the event of death within the policy term, the death claim is made up of full sum assured without deducting any of the survival benefit amounts already paid. The bonus is also calculated on the full sum assured. The premium paid is tax-deductible under section 80C of Income Tax Act 1961. [1]

  3. Return of premium life insurance - Wikipedia

    en.wikipedia.org/wiki/Return_of_premium_life...

    Return of premium (ROP) life insurance is a type of term life insurance policy that returns a portion of the cumulative premiums paid if the insured outlives the policy's term. [1] For example, a $1,000,000 policy bought for $10,000 a year over a 30-year period would result in $300,000 being refunded to the surviving policyholder at the end of ...

  4. Life insurance - Wikipedia

    en.wikipedia.org/wiki/Life_insurance

    Another common rider is a premium waiver, which waives future premiums if the insured becomes disabled. Joint life insurance is either term or permanent life insurance that insures two or more persons, with proceeds payable on the death of either.

  5. Critical illness insurance - Wikipedia

    en.wikipedia.org/wiki/Critical_illness_insurance

    Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.

  6. Actuarial reserves - Wikipedia

    en.wikipedia.org/wiki/Actuarial_reserves

    As an example, consider a whole life insurance policy of one dollar issued on (x) with yearly premiums paid at the start of the year and death benefit paid at the end of the year. In actuarial notation, a benefit reserve is denoted as V. Our objective is to find the value of the net level premium reserve at time t.

  7. No, you can’t collect two benefits at the same time

    www.aol.com/finance/collect-dead-spouse-social...

    For premium support please call: 800-290-4726 more ways to reach us. Sign in. Mail. ... Here are 5 secrets of ‘survivors benefits’ you need to know. Vawn Himmelsbach. December 5, 2023 at 7:00 ...