Notes on Life Insurance: In Two Parts, First; The Theory of Life Insurance, Net Value of the Risk on One Dollar for One Year, Net Single Premium, Net Annual Premium, Trust-Fund on Deposit, or Reserve; - Hardcover

Gustavus Woodson Smith

Hardcover

ISBN 10: 026689867X ISBN 13: 9780266898672

Publisher: Forgotten Books, 2018

Synopsis

Understand the numbers behind life insurance and what they really mean for you.

This clear, practical guide explains the math, concepts, and real-world effects that shape every policy.

This book walks readers through the core ideas behind life-insurance value, including how reserves, net premiums, and loading affect costs and deposits. It also covers how profits, expenses, and policyholder safeguards fit into the big picture, helping you compare options with confidence. The approach is straightforward, aiming to make a complex topic accessible without sacrificing accuracy.

• What the reserve and deposit mean for a policy’s value over time
• How net single and net annual premiums are calculated and used
• Why loading and surplus matter for costs and benefits
• How to evaluate insurers and understand practical implications for your decisions

Ideal for readers seeking a solid, non-technical grounding in life insurance concepts and how they affect real-world decisions.

Edition details

• Publisher: Forgotten Books
• Publication date: 2018
• Language: English
• ISBN 10: 026689867X
• ISBN 13: 9780266898672
• Binding: Hardcover
• Number of pages: 146