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FreeOCR is a free Optical Character Recognition Software for Windows and supports scanning from most Twain scanners and can also open most scanned ... Topic 29: Life Insurance - 89 (b) Universal life, Option B (or 2) i This form of universal life pays the state face amount plus its cash value at the insured s death ii There is always a constant net amount at risk over the policy s cash value iii The death bene t increases when the cash value increases, whereas a reduction in cash value will reduce the death bene t iv The monthly mortality charges are based on the face amount of the policy every year v This option is more expensive than Option A (or 1) D Variable life insurance (1) The policy owner selects the investments to which the savings element will be directed (2) There is no guaranteed cash value or crediting rate (3) Investments are in separate accounts that look much like mutual funds, but technically are different Policies generally have between 5 and 15 separate accounts from which to choose, one of which is always a conservative interest-bearing account (4) In a down market, a policyholder runs the risk of being surprised with a premium notice that a substantial payment must be made just to keep the policy in force (5) A variable life insurance policy shifts the investment risk to the insured and lets the insured direct some or all of the policy s cash value into the securities market This permits the insured to participate in the returns of the equity market (6) Must be sold with a prospectus and can be sold only by licensed insurance and securities agents (7) Guaranteed minimum death bene t only equal to the initial face amount of the policy (8) Above the minimum, the death bene t depends on the performance of the policyowner s selected investments (9) Allows policy loans, but at a smaller percentage than traditional whole and universal life insurance (10) Contains the usual range of nonforfeiture options E Variable whole life insurance (1) Fixed premiums of hole life (2) Guaranteed death bene t of whole life (3) Investment exibility of variable life (4) The big difference from other types of whole life insurance is that it has no guaranteed cash values F Variable universal life insurance (1) Premium exibility of universal life (2) Death bene t design exibility of universal life (3) Investment exibility of variable life (4) The big difference from ordinary universal life insurance is that it has no guaranteed cash values G Endowment policies (1) Death bene t equals cash value at maturity (2) Purchaser can specify the policy s maturity date (10-, 15-, 20-, 25-, 30-year endowments, and longer) (3) Whole life insurance is identical in design to an endowment at age 100, when cash value equals the death bene t. brother scanner ocr software windows 10: Rating 7/10 free download ocr scanner software for windows 7 FreeOCR - Free download and software reviews - CNET Download ...
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