Comments on: How Are Life Insurance Premiums Set? http://amateurassetallocator.com/2009/09/03/how-are-life-insurance-premiums-set/ Amateur Asset Allocator Fri, 19 Mar 2010 01:52:07 +0000 http://wordpress.org/?v=2.9 hourly 1 By: The Cons Of Child Life Insurance - Amateur Asset Allocator http://amateurassetallocator.com/2009/09/03/how-are-life-insurance-premiums-set/comment-page-1/#comment-7858 The Cons Of Child Life Insurance - Amateur Asset Allocator Fri, 19 Mar 2010 01:02:07 +0000 http://amateurassetallocator.com/?p=2367#comment-7858 [...] summary, a life insurance policy on a child is rarely a good idea and usually a complete waste of premium dollars. Insurance dollars should be spent on the parents first and then a small amount on the child. [...] [...] summary, a life insurance policy on a child is rarely a good idea and usually a complete waste of premium dollars. Insurance dollars should be spent on the parents first and then a small amount on the child. [...]

]]> By: Senior Life Insurance Is Generally A Poor Value - Amateur Asset Allocator http://amateurassetallocator.com/2009/09/03/how-are-life-insurance-premiums-set/comment-page-1/#comment-5382 Senior Life Insurance Is Generally A Poor Value - Amateur Asset Allocator Sat, 19 Sep 2009 18:11:53 +0000 http://amateurassetallocator.com/?p=2367#comment-5382 [...] that argument doesn’t hold water because a.) if you have enough money to afford steep senior life insurance premiums you probably don’t need the payout to begin with and b.) you can’t always guess which [...] [...] that argument doesn’t hold water because a.) if you have enough money to afford steep senior life insurance premiums you probably don’t need the payout to begin with and b.) you can’t always guess which [...]

]]> By: How Are Life Insurance Premiums Set? : USA Today Insurance http://amateurassetallocator.com/2009/09/03/how-are-life-insurance-premiums-set/comment-page-1/#comment-5281 How Are Life Insurance Premiums Set? : USA Today Insurance Tue, 08 Sep 2009 08:51:02 +0000 http://amateurassetallocator.com/?p=2367#comment-5281 [...] Read More:  How Are Life Insurance Premiums Set? [...] [...] Read More:  How Are Life Insurance Premiums Set? [...]

]]> By: Benny http://amateurassetallocator.com/2009/09/03/how-are-life-insurance-premiums-set/comment-page-1/#comment-5214 Benny Fri, 04 Sep 2009 13:27:09 +0000 http://amateurassetallocator.com/?p=2367#comment-5214 Kyle, there are many other costs involved with life insurance quotes besides just expected mortality cost (or the reserves the company has to set aside to pay future claims). There is the cost to pay the life insurance agent, administrative costs, other distribution costs, and even the insurance company's desire to be competitive in a particular market. Yep, not all life insurance companies want to be as competitive as they can be. In fact, if they are too competitive, they may invite something that is known as "adverse risk". Careful giving out opinions that aren't true or I might write about you next time;) I'm sure you mean well, but needless to say, the issue of life insurance rates goes much deeper than a single number assigned by one underwriter. Kyle, there are many other costs involved with life insurance quotes besides just expected mortality cost (or the reserves the company has to set aside to pay future claims). There is the cost to pay the life insurance agent, administrative costs, other distribution costs, and even the insurance company’s desire to be competitive in a particular market. Yep, not all life insurance companies want to be as competitive as they can be. In fact, if they are too competitive, they may invite something that is known as “adverse risk”.

Careful giving out opinions that aren’t true or I might write about you next time;) I’m sure you mean well, but needless to say, the issue of life insurance rates goes much deeper than a single number assigned by one underwriter.

]]> By: How Are Life Insurance Premiums Set? – Amateur Asset Allocator | Insurance Reference Information http://amateurassetallocator.com/2009/09/03/how-are-life-insurance-premiums-set/comment-page-1/#comment-5202 How Are Life Insurance Premiums Set? – Amateur Asset Allocator | Insurance Reference Information Thu, 03 Sep 2009 23:06:25 +0000 http://amateurassetallocator.com/?p=2367#comment-5202 [...] View original here: How Are Life Insurance Premiums Set? – Amateur Asset Allocator [...] [...] View original here: How Are Life Insurance Premiums Set? – Amateur Asset Allocator [...]

]]> By: How Are Life Insurance Premiums Set? » Insurance in USA - Car, Life, Homeowners, Health, Travel - Free Informations http://amateurassetallocator.com/2009/09/03/how-are-life-insurance-premiums-set/comment-page-1/#comment-5191 How Are Life Insurance Premiums Set? » Insurance in USA - Car, Life, Homeowners, Health, Travel - Free Informations Thu, 03 Sep 2009 12:32:25 +0000 http://amateurassetallocator.com/?p=2367#comment-5191 [...] more info [...] [...] more info [...]

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