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2. Types of life insurance - AOL

   www.aol.com/finance/types-life-insurance...

   Life insurance companies calculate rates based on the mortality risk of each policyholder, so taking steps to live a healthier, safer lifestyle could help you qualify for cheaper life insurance.

3. What Should Seniors Look for in a Life Insurance Policy?

   www.aol.com/finance/5-life-insurance-options...

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4. What does life insurance cover? - AOL

   www.aol.com/finance/does-life-insurance-cover...

   Rates can also vary widely by state and institution. Public two-year in-district college: $3,990 per year. ... Term life insurance, for example, covers you for a specific number of years.

5. Rate making - Wikipedia

   en.wikipedia.org/wiki/Rate_making

   There are no statistics regarding quantity of future losses and probability. This means an underwriter rates each exposure individually. The second rate making method is class rating, or manual rating. This rating means that exposures with similar characteristics are placed in the same underwriting class, and each is charged the same rate. The ...

6. Life insurance - Wikipedia

   en.wikipedia.org/wiki/Life_insurance

   Permanent life insurance is life insurance that covers the remaining lifetime of the insured. A permanent insurance policy accumulates a cash value up to its date of maturation. The owner can access the money in the cash value by withdrawing money, borrowing the cash value, or surrendering the policy and receiving the surrender value.

7. Life settlement - Wikipedia

   en.wikipedia.org/wiki/Life_settlement

   A life settlement or viatical settlement (from Latin viaticum, something received before death) [1] is the sale of an existing life insurance policy (typically of seniors) for more than its cash surrender value, but less than its net death benefit, [2] to a third party investor. [3]