Changes in the Life Insurance Industry: Efficiency,

Format: Paperback

Language: English

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For example, Hunt cites a technique called "blending" in which an agent will mix in some no-load or low-commission term life coverage that eventually converts to permanent insurance in order to increase the first-year surrender value of a whole life policy. "If someone tries to sell you a full-commission $1 million policy with (zero dollars) surrender value in the first year, tell them you want at least 50 percent in the surrender column," Hunt suggests.

Pages: 369

Publisher: Springer; Softcover reprint of the original 1st ed. 1999 edition (December 31, 1999)

ISBN: 1461372933

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