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Advantages to Buyer  

Lower initial outlay. At first, may be able to buy more insurance for less cost.  

Fixed premium amount.
Can take a loan against policy, or surrender policy for some cash.  

More flexibility.
Takes advantage of current interest rates.  

You can choose to invest your money in stocks, bonds, money market or other accounts.  

Disadvantages to Buyer  

Premium increases each time a new term starts. The insurance company is free to substantially raise premiums if your health changes.  

Dividends can be hurt by low interest rates. You will lose money if you cash it in. Usually no cash surrender value for at least 3-5 years.  

Same as Whole Life Insurance and you assume greater risks due to program flexibility.  

Same as Whole Life Insurance and you bear all the investment risk.  

Options  

May be renewable and/or convertible to a whole life policy.  

Partial cash surrenders may be permitted.  

Minimum death benefit.
Partial cash surrenders permitted.  

May offer a guaranteed minimum death benefit.  

 



 

How Much Will Life Insurance Cost?  

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A financial analyst  securities analyst, research analyst, equity analyst, or investment analyst is a person who performs financial analysis for external or internal clients as a core part of the job. Financial analysis (also referred to as financial statement analysis or accounting analysis or Analysis of finance) refers to an assessment of the viability, stability and profitability of a business, sub-business or project. It is performed by professionals who prepare reports using ratios that make use of information taken from financial statements and other reports. These reports are usually presented to top management as one of their bases in making business decisions. Certification as a financial analyst requires accredited education in finance
 
Management consulting is the practice of helping organizations to improve their performance, primarily through the analysis of existing organizational problems and development of plans for improvement. Organizations may draw upon the services of management consultants for a number of reasons, including gaining external (and presumably objective) advice and access to the consultants' specialized expertise. Becoming certified in management consulting requires proper education experience and credentials.
 
Management accounting or managerial accounting is concerned with the provisions and use of accounting information to managers within organizations, to provide them with the basis to make informed business decisions that will allow them to be better equipped in their management and control functions. Cost accounting is a process of collecting, analyzing, summarizing and evaluating various alternative courses of action. Its goal is to advise the management on the most appropriate course of action based on the cost efficiency and capability. Cost accounting provides the detailed cost information that management needs to control current operations and plan for the future. Certification in management or cost accounting requires education and expertise in accounting.
 
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