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How long will traditional life products hold their appeal?(Focus: life insurance)(Individual life insurance sales)(Fixed Universal Life)
- Article from:
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National Underwriter Life & Health-Financial ServicesEdition
- Article date:
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July 5, 2004
- Author:
- Purushotham, Marianne
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Copyright informationCOPYRIGHT 2004 The National Underwriter Company. This material is published under license from the publisher through the Gale Group, Farmington Hills, Michigan. All inquiries regarding rights should be directed to the Gale Group. (Hide copyright information)
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THE RECENT MARKET DOWNTURN and ensuing volatility have resulted in a renewed interest on the part of both producers and consumers in traditional life insurance products such as term, whole life and fixed universal life.
Based on LIMRA International's estimates of individual life insurance sales, during the latter half of the 1990s (when the Standard and Poor's 500 index was regularly producing double-digit returns), new variable universal life premium grew at an average annual rate of almost 30% (see Figure 1). During that same period, fixed UL sales declined at an average rate of 1% per year.
However, with the start of the most recent recessionary period, this trend ...
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Take a new look at underwriting older age applicants. (Underwriting).
National Underwriter Life & Health-Financial Services Edition;
April 28, 2003 ;
Bailey, Susan;
679 words
......define it. Furthermore, many of these older age Americans are in the market for life...the trend of continuing to work at an older age is likely to intensify. Despite today...assessing health and longevity among today's older age applicants. Clearly, some of the same...
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LONG-TERM CONSEQUENCES OF EDUCATION, WORKING CONDITIONS, AND...
International Journal of Occupational Medicine and Environmental Health;
July 1, 2007 ;
Tobiasz-Adamczyk, Beata; Bartoszewska, Ewa; Brzyski, Piotr; Kopacz, Marek;
787 words
......adults. However, fewer reports focused on older age workers. The aim of this longitudinal...health-related behavior on mortality patterns in older age. Methods: Data for analysis derive from...significant influence on mortality risk in older age. Different patterns of mortality ...
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Older Age Group.
Cosmetics International Cosmetic Products Report;
March 1, 2001 ;
45 words
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MIDDLE-AGE OBESITY RAISES LATER HEART, DIABETES RISK
US Fed News Service, Including US State News;
January 10, 2006 ;
518 words
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Shingles
Community Practitioner;
May 1, 2007 ;
Wyndham, Mike;
289 words
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Sain's new label is for cutting-edge bands.(News)
Western Mail (Cardiff, Wales);
March 30, 2004 ;
251 words
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Friends help you live longer.(News)
Western Mail (Cardiff, Wales);
June 16, 2005 ;
217 words
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Streptococcal role in AOM.(Acute Otitis Media)(Brief Article)
Pediatric News;
July 1, 2005 ;
Splete, Heidi;
197 words
...AOM caused by Streptococcus pyogenes was associated with older age and higher rates of tympanic perforation and mastoiditis, compared...be preceded by pharyngeal colonization, given the patients older age, acute symptoms, and lack of respiratory tract complaints...
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Risk factors are identified for ovarian failure in SLE.(Musculoskeletal...
Family Practice News;
May 1, 2008 ;
Zoler, Mitchel L.;
360 words
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Older mothers 'are more likely to live longer'.
The Daily Mail (London, England);
December 22, 2004 ;
330 words
......earlier, a study shows. Experts believe that having a child at an older age may help to keep a woman more youthful and help delay the possible...500 women and found that those who had their last child at an older age seemed to live longer overall. University of Sheffield researchers...
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Risk factors for ovarian failure in SLE observed.(Across Specialties)
Skin & Allergy News;
April 1, 2008 ;
Zoler, Mitchel L.;
358 words
......activity, treatment with cyclophosphamide, older age, and a certain ethnic background were...findings that cyclophosphamide treatment and older age were linked with PGF in women with SLE...risk of developing PGF during follow-up: older age, Texan-Hispanic ethnicity, treatment...
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Although 3DO's Cubix video game might appear to be targeted at the...
Playthings;
December 1, 2001 ;
51 words
......at the 12-and-under crowd, Senior Producer Robert Daly says the ability to customize the robots will stretch the market to older age groups. Players like to be able to customize their characters so they can say, 'Mine is tweaked a little differently than yours...
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Youthful successes.(Sport)
South Wales Echo (Cardiff, Wales);
May 16, 2006 ;
262 words
......City's new policy of introducing leading young players into an older age group is starting to show signs of paying off. The Bluebirds...who have been able to develop, mentally and physically, with older age group teams. That was underlined as Cardiff City won the Welsh...
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Shingles: this month, In the Picture features a skin condition most...
Community Practitioner;
May 1, 2007 ;
Wyndham, Mike;
260 words
......size in the UK will see about six cases a year. Who does it affect? Most people think of shingles as being confined to the older age groups. However, it is does occur in young children too. This may come as a shock to their parents when they develop the problem...
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Country pub may offer new lease of life.(Business)
The Journal (Newcastle, England);
November 28, 2003 ;
450 words
......present, with the market appealing to people in the middle or older age group where quality of life is as important as the business...In particular, guest houses and small hotels appeal to the older age group where a substantial property in a good location is important...
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