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## IC - 38 **CORPORATE AGENTS** **LIFE****ACKNOWLEDGEMENT****This course is based on revised syllabus prescribed by Insurance Regulatory and**
**Development Authority of India (IRDAI) and prepared by Insurance Institute of**
**India, Mumbai.****AUTHORS/ REVIEWERS (in Alphabetical order)**Dr. R. K. Duggal
Dr. Shashidhar... | Final IC 38 - CA_Life - English.md | C-46 | CORPORATE AGENTS | Final IC 38 - CA_Life - English_000 | {
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|L-05|Applications of Life Insurance|38|
|L-06|Pricing and Valuation in Life Insurance|43|
|L-07|Life Insurance Documentation|52|
|L-08|Life Insurance Underwriting|65|
|L-09|Life Insurance Claims <br>|78|iv## SECTION## LIFE INSURANCE1## CHAPTER L-01## WHAT LIFE INSURANCE INVOLVES**Chapter Introduction**We have seen som... | Final IC 38 - CA_Life - English.md | L-05 | Chapter Introduction | Final IC 38 - CA_Life - English_001 | {
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income. Thus one should grow suspicious if Mr. Rajan was to ask insurance of Rs. 2
crores, while earning only Rs. 1.2 lakhs a year. The actual amount of insurance
purchased would depend on factors like how much insurance one can afford and
would like to buy.**B.** **Risk and Life Insurance**As we have seen above, life ... | Final IC 38 - CA_Life - English.md | null | B. | Final IC 38 - CA_Life - English_002 | {
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claims of those dying at higher ages. The level premium is an average of both. The
excess premiums of earlier ages compensate for the deficit of premiums in later
ages. The level premium feature is illustrated below.**Diagram 2:** **Level Premium**Level premiums are required because life insurance contracts are long te... | Final IC 38 - CA_Life - English.md | t2 | Diagram 2: | Final IC 38 - CA_Life - English_003 | {
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expected net future earnings.c) The level premium is a premium fixed such that it does not increase with agebut remains constant throughout the contract period.d) Mutuality is one of the important ways to reduce risk in financial markets, theother being diversification.e) The element of guarantee in a life insurance co... | Final IC 38 - CA_Life - English.md | t2 | Key Terms | Final IC 38 - CA_Life - English_004 | {
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concerned about the high cost of education to make the child qualified
to face the challenges of life.For instance, consider the amount that
needs to be set up to finance a medical course that runs for five years.In
many Indian homes, making provision for marriage and settlement of
girl children is a critical area of c... | Final IC 38 - CA_Life - English.md | e11 | Empty Nester(age 55 to 65): | Final IC 38 - CA_Life - English_005 | {
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There are two types of such needs:**i.** **Specific transaction needs** : that are linked to specific life events whichrequire a commitment of resources. For instance making a provision for
higher education/ marriage of dependents; or purchase of a house or
consumer durables**ii.** **General transaction needs:** Amount... | Final IC 38 - CA_Life - English.md | e11 | Specific transaction needs | Final IC 38 - CA_Life - English_006 | {
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needs along with his or her risk profile and income, to chart out a road map for
meeting various anticipated/ unforeseen needs through recommending appropriate
financial products.Elements of financial planning include: Investing - allocating assets based on one’s risk taking appetite, Risk management, Retirement pla... | Final IC 38 - CA_Life - English.md | c14 | Diagram 4: | Final IC 38 - CA_Life - English_007 | {
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An unplanned, impulsive approach to financial planning is one of the prime causes
of financial distress of individuals.**Test Yourself 2**When is the best time to start financial planning?I. Post retirement
II. As soon as one gets his first salary
III. After marriage
IV. Only after one gets rich**C.** **Financial plann... | Final IC 38 - CA_Life - English.md | null | Test Yourself 2 | Final IC 38 - CA_Life - English_008 | {
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For instance, if an amount of Rs 1000 is invested today at 8% rate of interest,
at the end of five years, it would accumulate to Rs 1469 and at the end of
10 years it would more than double to reach Rs 2159. This expectation of
returns which helps to accumulate wealth is one of the prime motives of
investment. At the s... | Final IC 38 - CA_Life - English.md | null | Risk tolerance | Final IC 38 - CA_Life - English_009 | {
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or utilised according to one’s wishes after one is no more.**6.** **Tax planning**Tax planning is done to determine how to gain maximum tax benefit from existing
tax laws and also for planning of income, expenses and investments taking full
advantage of the tax breaks. As per the tax laws in India, life insurance premi... | Final IC 38 - CA_Life - English.md | s19 | Tax planning | Final IC 38 - CA_Life - English_010 | {
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agent’s role is to understand and pitch on these features and benefits to make the
products of their companies unique and attractive compared to others.**Example**Colgate, Close up and Promise are all different brands of toothpastes. But the
features of each brand is different from the other.Products may be:**i.** **Ta... | Final IC 38 - CA_Life - English.md | p24 | Example | Final IC 38 - CA_Life - English_011 | {
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of the contract. Riders are commonly used to provide supplementary benefits like
increasing the amount of death benefit provided by a policy, say, because of
accidents. Life insurance companies offer a number of riders through which the
value of their offerings get enhanced Riders help to customise different
requiremen... | Final IC 38 - CA_Life - English.md | p24 | Test Yourself 1 | Final IC 38 - CA_Life - English_012 | {
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one to buy relatively large amounts of life insurance on a limited budget.**f)** **Variants**A number of variants of term assurance are possible.**Diagram 3:** **Variants of Term Assurance****i.** **Decreasing Term Assurance**
These plans typically consist of decreasing term insurance which provides an
amount of death ... | Final IC 38 - CA_Life - English.md | e26 | Variants | Final IC 38 - CA_Life - English_013 | {
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compulsory method of savings accumulation.People buy endowment plans as a sure method of providing against old age or for
meeting specific purposes like having a fund for (a) educational purposes, (b)
meeting children’s marriage expenses or(c) paying a mortgage (housing) loan.**Government usually offers tax benefits on... | Final IC 38 - CA_Life - English.md | a28 | Government usually offers tax benefits on the premiums paid, which make it | Final IC 38 - CA_Life - English_014 | {
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be disclosed at the time of taking the policy.**Important**Death benefits are subject to regulations of IRDAI issued from time to time. At
present, as per the new Regulation 9 of IRDAI (Non-linked) Products Regulation,
2019 pertaining to traditional products, the minimum death cover is as follows:For all non-linked ind... | Final IC 38 - CA_Life - English.md | null | Important | Final IC 38 - CA_Life - English_015 | {
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annuity options.**Saral Pension:** To provide uniformity across Insurers, to reduce confusion in the
market about annuity schemes, and to make available a product that will broadly
meet the needs of an average customer, in January 2021, IRDAI mandated all Life
Insurers to introduce a standard, immediate annuity product... | Final IC 38 - CA_Life - English.md | o4353 | Saral Pension: | Final IC 38 - CA_Life - English_016 | {
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products which have insurance as well as a savings element in them.People have been questioning the ability of traditional life insurance policies to
provide a rate of return comparable to other assets in the financial market. Issues
have also been raised about the way they are structured into a single package of
benef... | Final IC 38 - CA_Life - English.md | e2019 | Limitations of traditional products | Final IC 38 - CA_Life - English_017 | {
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displacing traditional plans in many markets.Unit linked policies help to overcome the limitations of traditional products.
The premium paid by the policyholder gets divided into two major portionsthe first portion which is utilised for providing insurance cover, andthe second portion that gets invested into the fund o... | Final IC 38 - CA_Life - English.md | null | Diagram 1: | Final IC 38 - CA_Life - English_018 | {
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the benefits, vis-à-vis the premiums paid, would be very low and even less than the
premiums paid in the early years of the contract.**iv.** **Death Benefit**Unlike in traditional policies, the amount of death benefit in ULIP policies is a
multiple of the premiums paid. In case of death during the term of the policy, t... | Final IC 38 - CA_Life - English.md | e2 | Death Benefit | Final IC 38 - CA_Life - English_019 | {
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becomes payable to the Official Trustee of the State in which the office at
which the insurance was effected is situated.39**Benefits**The Trust is set up under a deed that cannot be revoked or amended. It can contain
one or more insurance policies. It is important to appoint a trustee who would be
responsible for admi... | Final IC 38 - CA_Life - English.md | t40 | Benefits | Final IC 38 - CA_Life - English_020 | {
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IV. Evade eviction in case of default**Summary**Section 6 of the Married Women’s Property Act, 1874 provides for security of
benefits under a life insurance policy to the wife and children.The policy effected under MWP Act shall be beyond the control of court
attachments, creditors and even the life assured.Keyman insu... | Final IC 38 - CA_Life - English.md | L-06 | Summary | Final IC 38 - CA_Life - English_021 | {
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would hence encourage payment via yearly and half yearly modes by allowing a
rebate on these. They may also charge a little extra for monthly mode of
payments, to cover additional administrative expenses involved.**3.** **Extra charges**The tabular premium is charged for those individuals who are not subject to any
sig... | Final IC 38 - CA_Life - English.md | g45 | Extra charges | Final IC 38 - CA_Life - English_022 | {
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derive Higher the mortality rate in the mortality table, higher the premiumswould be
Higher the interest rate assumed, lower the premium**Net premium**
The estimates of mortality and interest give the “Net Premium”**Gross premium**
Gross premium is the net premium plus an amount called loading. There are
three consi... | Final IC 38 - CA_Life - English.md | null | Net premium | Final IC 38 - CA_Life - English_023 | {
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receive premiums in future for these policies.Liabilities are thus the present value of all payments that have to be made less the
present value of premiums expected to be received on these policies. The present
value is arrived at by applying a suitable rate of discount [the interest rate]
Surplus arises as a result o... | Final IC 38 - CA_Life - English.md | m2 | Example | Final IC 38 - CA_Life - English_024 | {
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insured for purchasing an insurance policy.The process of setting the premium for life insurance policies involves
consideration of mortality, interests, expense management and reserves.Gross premium is the net premium plus an amount called loading.A lapse means that the policyholder discontinues payment of premiums. I... | Final IC 38 - CA_Life - English.md | m2 | Key Terms | Final IC 38 - CA_Life - English_025 | {
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facility of Nomination is available to the proposer, the Agent shall inform him/ her
of the provisions of Section 39 of the Act and encourage the proposer to avail the
facility.Aspects related to the personal financial planning of the life proposed including his/
her work span, projected income and expenses, as well as... | Final IC 38 - CA_Life - English.md | null | Age Proof: | Final IC 38 - CA_Life - English_026 | {
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receipts when it receives further premiums from the proposer. These receipts are
known as renewal premium receipts (RPR). The RPRs act as proof of payment in the
event of any disputes related to premium payment.**2.** **Policy Document**The policy document is the most important document associated with insurance. **It*... | Final IC 38 - CA_Life - English.md | null | Policy Document | Final IC 38 - CA_Life - English_027 | {
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otherwise have lapsed for non-payment of premium, to continue in force during the
grace period. Every life insurance contract undertakes to pay the death benefit on
the condition that the premiums have been paid up to date and the policy is in
force. The “Grace Period” clause grants the policyholder an additional perio... | Final IC 38 - CA_Life - English.md | e58 | Important | Final IC 38 - CA_Life - English_028 | {
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surrender value), from lapsation, by keeping them alive to the extent of paid-up
sum assured even without payment of further premiums. This is because the
policyholder has a claim to the cash value accumulated under the policy.**a)** **Surrender values**Surrender value is the amount you stand to get when you decide to ... | Final IC 38 - CA_Life - English.md | e58 | Surrender values | Final IC 38 - CA_Life - English_029 | {
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iv. Nomination can be done either **at the time the policy is bought or later** atany time before the maturity of the Policy.59v. Nomination may be incorporated in the text of the Policy itself or by anendorsement on the Policy. Nominations need be communicated to the
insurer and registered by the insurer in the record... | Final IC 38 - CA_Life - English.md | null | Important | Final IC 38 - CA_Life - English_030 | {
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The person who transfers the rights is called **assignor** and the person to whom
property is transferred is called **assignee** . On assignment, the ownership of the
policy changes and hence nomination is cancelled, except when assignment is
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no objection from anyone else.b) **Alteration**Policyholders may seek to effect alterations in policy terms and conditions.
There is provision to make such changes subject to consent of both the insurer
and assured. Normally alterations may not be permitted during the first year of62the policy, except for change in the... | Final IC 38 - CA_Life - English.md | f62 | Alteration | Final IC 38 - CA_Life - English_032 | {
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death.The assignment of a life insurance policy implies the act of transferring the
rights right, title and interest in the policy (as property) from one person to
another. The person who transfers the rights is called assignor and the person
to whom property is transferred is called assignee.Alteration is subject to c... | Final IC 38 - CA_Life - English.md | e13 | Key Terms | Final IC 38 - CA_Life - English_033 | {
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These are the ones whose anticipated mortality is higher than the average or
standard lives, but are still considered to be insurable. They may be accepted
for insurance with higher (or extra) premiums or subjected to certain
restrictions.**iv.** **Declined lives**
These are the ones whose impairments and anticipated e... | Final IC 38 - CA_Life - English.md | null | Declined lives | Final IC 38 - CA_Life - English_034 | {
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regard to a life proposed for underwriting.**a)** **Acceptance at ordinary rates (OR)** is the most common decision. This ratingindicates that the risk is accepted at the same rate of premium as would
apply to an ordinary or standard life.68**Diagram 3:** **Underwriting decisions****b)** **Acceptance with an extra:** T... | Final IC 38 - CA_Life - English.md | null | Acceptance at ordinary rates (OR) | Final IC 38 - CA_Life - English_035 | {
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companies often divide their underwriting into categories accordingly. Factors like
income, occupation, lifestyle and habits, which contribute to moral hazard, are
assessed as part of **financial underwriting**, while medical aspects of health fall
under **medical underwriting** .**a)** **Female insurance**Women genera... | Final IC 38 - CA_Life - English.md | null | Female insurance | Final IC 38 - CA_Life - English_036 | {
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These tests may reveal deeper insights about the health of the proposed life
than the answers given in the proposal or an ordinary medical examination can
provide.**Examples**
When a proposal is submitted at a branch located far away from the place of
residence of the proposed insuredA medical examination is done elsew... | Final IC 38 - CA_Life - English.md | null | Examples | Final IC 38 - CA_Life - English_037 | {
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