P1P2 – Page 3 – [BonkNote]

P1P2 – NAIC – Life Insurance Buyer’s Guide Even if there is enough in your account (SIV-A) to pay the premiums (P2-B), continuing to pay premiums (P1-C) yourself means that you build up more cash value (SIV-D) . 2007 – NAIC Life Insurance Buyer’s Guide – 10p Policy Mechanics / Works P1 E1 SIV i…

P1P2 – Actuarial Policy Mechanics / Cash flow 1873 – Book – Politics and Mysteries of Life Insurance, Elizur Wright – 265p – [GooglePlay-link] (p12) – (SIV – “Self Insurance Value”) – Consequently, the insurance done by …the company is … 972.34, and the balance, $27.66, is the self-insurance, reserve, or “value of the policy,”…

P1P2 – Grid Bonk P1 E1 SIV i CIV P2 E2 DB-A DB-CP Notes: A) Universal Life Policyholder Determines Company Calculation Company Determines Company Determines Policy Mechanics Policy Mechanics Company Calculation Policyholder Determines Policy Mechanics Generic Premium Cost Guaranteed Maturity Premium (GMP) Guideline Level Premium Planned…

Judges Judges – Walker v LSW Premiums, Costs and Benefits – Judges — Mr. Anderson – (p261) 1919 – The Record, American Institute of Actuaries – Individual Reserves in Life Insurance – <Educate Judges> – [PDF- 451p-GooglePlay] Johnston & Johnston v Conseco first principles Father said never to purchase UL California – used to have …

Premiums, Costs, Values and Benefits Premiums and Benefits – Index P1P2 – Policy Mechanics / Cash Flow / Language In the case of true Universal Life…the product is modular and adjusts instantaneously to changes in benefits, premiums, and experience. — George R. Dinney: 1982 – SOA – Programs to Conserve Traditional Life Insurance Policies, Society of…

Nuances Lapse vs Surrender P1P2 It is not the marketing strategy. It is a marketing strategy. That’s a nuance that’s an important one to us. –Matthew DeSantos (LSW), (p15-16), 2014 0423 – DOC 812 – Trial Transcript – 194p Most term policies don’t build up cash values that you can use in the future. 2018 – NAIC Life Insurance…

P1P2 P1P2 – Grid P1P2 – Actuarial P1P2 – Legal Case – Maloof v John Hancock P1P2 – NAIC P1P2 – NAIC – Life Insurance Buyer’s Guide Start – Policy Cash Flow Mechanics P1->P2->SIV P1->SIV->P2 Roger Strauss (Iowa) said a fundamental issue was that the consumer realize that the premium is being paid from someplace. …

Court of Appeals uscourts.gov/about-federal-courts/court-role-and-structure/about-us-courts-appeals ca3.uscourts.gov/oral-argument-recordings ca3.uscourts.gov/oral-argument-recordings-video ca4.uscourts.gov/oral-argument/listen-to-oral-arguments ca9.uscourts.gov/media/ 5th Circuit Court of Appeals 2013 – Johnston & Johnston v. Conseco ca5.uscourts.gov/Opinions/pub/13/13-30010-CV0.pdf 13-30010 09/05/2013 Johnston & Johnston v. Conseco Life Insurance Co. MP3 2013 0423 – Legal Case – Johnston and Johnston v Conseco 13-30010_Documents ACLI AMICUS BRIEF – 48p http://www.bonknote.com/wp-content/uploads/11-2013-Johnston-and-Johnston-v-Conseco.mp3 http://www.bonknote.com/wp-content/uploads/12-2013-Johnston-and-Johnston-v-Conseco.mp3 http://www.bonknote.com/wp-content/uploads/13-2013-Johnston-and-Johnston-v-Conseco.mp3 http://www.bonknote.com/wp-content/uploads/14-2013-Johnston-and-Johnston-v-Conseco.mp3 http://www.bonknote.com/wp-content/uploads/15-2013-Johnston-and-Johnston-v-Conseco.mp3…

UL – Premium COMMON / PARADIGM Media Universal life insurance, like whole life insurance, is a type of permanent life insurance policy that accumulates tax-deferred cash value. The policy stays in effect for as long as you remain alive and pay the premiums. https://www.usnews.com/360-reviews/life-insurance/universal-life-insurance PROBLEM? Legal Case “John <Plaintiff – Policyowner> contacted Glasgow <Agent>, who had…