Life Assurance
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Author | : Mark A. Rothstein |
Publisher | : MIT Press |
Total Pages | : 320 |
Release | : 2004 |
Genre | : Business & Economics |
ISBN | : 9780262182362 |
Experts discuss the economic, legal, and social issues surrounding the use of genetic testing in determining eligibility for life insurance. Insurance companies routinely use an individual's medical history and family medical history in determining eligibility for life insurance; this is part of the process of medical underwriting. Insurers have also long used genetic information, often derived from family history, in underwriting. But rapid advances in gene identification and genetic testing are changing the way we look at genetic information. Should the results of genetic testing (which might identify a predisposition toward disease not related to medical history) be available to life insurance medical underwriters? Few if any life insurers currently require genetic testing, but there are no laws or regulations prohibiting its use. Genetics and Life Insurance examines the complex economic, legal, and social issues surrounding the use of genetic information in life insurance underwriting. The contributors are legal scholars, representatives of the life insurance industry (including an actuary and an insurance physician), a geneticist, a genetic counselor, a philosopher, and a consumer advocate. They explore all aspects of an issue that has only recently drawn the attention of policymakers and the public. The book opens with a report on the results of a public opinion poll on genetics and life insurance. Succeeding chapters present the insurer perspective, a discussion of the economics of risk selection in life insurance, background information on the process of underwriting, a scientific analysis of genetic risks and mortality rates, a philosophical discussion of fairness and genetic underwriting, the viewpoints of consumers and genetics counselors, a comparison of different international policy approaches to the issue, and a legal analysis of antitrust implications when insurers collaborate in setting standards for medical underwriting. In the final chapter the editor addresses various policy options, examining the pros and cons of each one and assessing their political feasibility.
Author | : Alfred Burt |
Publisher | : |
Total Pages | : 236 |
Release | : 1849 |
Genre | : Insurance, Life |
ISBN | : |
Author | : Ed Kelly |
Publisher | : iUniverse |
Total Pages | : 88 |
Release | : 2008-03 |
Genre | : Business & Economics |
ISBN | : 0595467423 |
Ed Kelly is on a mission to help American families. They are grossly underinsured with their current life insurance coverage, and something must be done about it, soon. In this book, Ed exposes the 10 myths that most consumers and their current advisors hold about life insurance. Once these myths are dispelled, then the mothers and fathers, husbands and wives, insurance agents and financial planners can all move on to address the truth about Time Diversification and Tax Diversification. This book is a call for Americans to take responsibility for themselves and the real risks we all face. While most people can think of only one reason to own life insurance (to provide money for a survivor), Ed shows there are actually 1000 reasons to own life insurance, from cradle to grave. Many of these are driven by the tax advantages inherent in a life insurance policy. His mission is to drive you to a better conversation and a better meeting with your financial professional. This book will help you see life insurance from a new philosophical and practical perspective.
Author | : |
Publisher | : |
Total Pages | : 136 |
Release | : 1946 |
Genre | : Insurance, Life |
ISBN | : |
Author | : Charles John Bunyon |
Publisher | : |
Total Pages | : 426 |
Release | : 1854 |
Genre | : Insurance law |
ISBN | : |
Author | : Henry Moir |
Publisher | : |
Total Pages | : 168 |
Release | : 1904 |
Genre | : Insurance, Life |
ISBN | : |
Author | : Alfred Burt |
Publisher | : |
Total Pages | : 238 |
Release | : 1849 |
Genre | : Insurance, Life |
ISBN | : |
Author | : Tony Steuer |
Publisher | : Greenleaf Book Group |
Total Pages | : 340 |
Release | : 2022-06-07 |
Genre | : Business & Economics |
ISBN | : 1734210044 |
*Amazon Bestseller in Life Insurance* A user-friendly guide to making expert decisions on life insurance policies Need help facing the constant barrage of information from competing life insurance companies? With thirty-five years of experience in the life insurance business, Tony Steuer delivers a practical, one-of-a-kind resource for anyone involved in choosing or monitoring a life insurance policy. This guide helps make a complex financial product understandable for consumers and is an essential reference, textbook, and training manual for financial advisors. Using a simple question-and-answer format, Steuer covers the essential basics and the finer points of life insurance, including how to: Differentiate between types of policies Find and evaluate a policy and company Hire a trusted agent Understand the practice of underwriting Monitor a policy’s performance With all the advice to help you avoid unnecessary pitfalls and unpleasant surprises, Steuer’s guide will help you make informed, confident decisions and gain the maximum benefit from your life insurance policy.
Author | : Equitable Life Assurance Society of the United States |
Publisher | : |
Total Pages | : 64 |
Release | : 1860 |
Genre | : |
ISBN | : |
Author | : |
Publisher | : |
Total Pages | : 248 |
Release | : 1999 |
Genre | : Life insurance |
ISBN | : |