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WHY LIFE INSURANCE POLICY PRICES DIFFER
Walden, Michael L.
1983
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Title
WHY LIFE INSURANCE POLICY PRICES DIFFER
Keywords
Life insurance policy prices have been observed to vary widely; for the same amount of protection. This has prompted recommendations; for additional state price disclosure regulations for life insurance; companies. The price disclosure would be summarized by price; indexes which take into account policy premiums, dividends (for participating; policies) and cash value (for whole life policies).; However, life insurance policies differ for reasons other than; differences in premiums, dividends, and cash value. Life insurance; policies include numerous contract provisions, and these contract provisions; can vary between companies. In addition, the companies; issuing life insurance policies differ with respect to their financial; stability. This report discusses why life insurance policy prices are; expected to vary because of differences in contract provisions and; financial characteristics of the issuing company, and new evidence is; presented to support the claims. Implications for both regulators and; consumers are discussed.
Author(s)
Walden, Michael L.
Subject(s)
Issue Date
Nov 11 1983
Publication Type
Report
DOI and Other Identifiers
10.22004/ag.econ.259560
Record Identifier
https://ageconsearch.umn.edu/record/259560
Language
English
Total Pages
22
Record Appears in
North Carolina State University > Department of Economics and Business - Archive

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