In traditional participating whole life policies, insurers guarantee the mortality and expense
Policy expenses include mortality and expense
charges and other account value-based charges, while premium loads include state and federal taxes, charges for policy issue and distribution, and the insurer's operating expenses.
The recent stabilization of Taiwan's capital market, together with Taiwan Life's stable mortality and expense
surplus performances have reduced the capitalization risks for the company.
It offers a maximum 0.25% loyalty credit and currently no mortality and expense
However, similar to UL, the insurer credits separately identifiable interest and charges separately identifiable mortality and expense
charges to an accumulation account.
In addition to a review of the financial performance of the underlying separate accounts, the sites provide information regarding mortality and expense
ratios, other insurance expenses, and subaccount asset management fees.
1 Corbett and Nelson (1992) show that mortality and expense
charges within universal life insurance policies generally are higher than annual renewable term insurance premiums charged by the same companies.
The insurance company subtracts these fund expenses, combined with mortality and expense
risk charges, before it credits investment earnings to your portfolio.
These are mortality and expense
risk charges and administrative charges.
Raises questions the appropriate dosage of L-T.sub.4 in these younger women, since the morbidity, mortality and expense
arising from hip fractures later in life are now well documented," the researchers report in the June 3 JOURNAL OF THE AMERICAN MEDICAL ASSOCIATION.
And since the products are bought directly from the company, the mortality and expense
fees are low, and there is no surrender charge.
The "unbundled" product consists of periodic deposits into a fund, from which mortality and expense
charges are deducted, leaving a net fund, to which interest is credited.