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Say you had a term insurance product with an annual premium of $120 but you instead wanted to pay it in 12 equal monthly installments. Well fortunately for you, insurers give that option using the concept of term modal factors....

“100% customer satisfaction guaranteed or your money back!” While life insurance is certainly different than these familiar ads, one of the major trends in guaranteed universal life (GUL) a few years back was a concept that ran along similar tracks known as Guaranteed Refund Options...

Along with providing a death benefit, most forms of life insurance have the additional benefit of accumulating cash that is accessible to the policyowner. This cash tends to be limited in the early years due to typically higher costs of...