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- W2328759863 abstract "Universal life insurance has moved from theory to reality.1 Presently marketed products falling into this generic class shift the mortality and investment risk to the policyowner with current rates guaranteed during the first year but subject to maximum mortality rates and minimum interest rates during subsequent policy years. The universal policies offer high current yields near money market rates on the savings element an element that resembles traditional cash surrender values in name only. A formula specified in the policy is used to determine the available savings. A typical plan might involve one like the following:" @default.
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- W2328759863 date "1981-12-01" @default.
- W2328759863 modified "2023-10-14" @default.
- W2328759863 title "The Effects of Risk Reduction Inherent in Universal Life Insurance: Author's Reply" @default.
- W2328759863 doi "https://doi.org/10.2307/252831" @default.
- W2328759863 hasPublicationYear "1981" @default.
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