A mortality table is introduced, and various probabilities relating to living and dying are computed. Term insurance, including renewable term, is introduced, and premiums are calculated. The amount of insurance that can be bought for a specific budgeted amount is found. Whole-life is introduced, and premiums are calculated and compared to term rates. Cash values are estimated for particular time periods, as is the total amount spent in premiums. Universal-life is introduced as a combination of insurance and savings. Accumulated cash values are found over time. The portion of premiums going to investment is calculated, and term insurance plus an IRA is compared to a universal-life policy. Health insurance is examined, with a look at coverage and costs. Social Security earnings are indexed, monthly benefits determined, and adjustments made for early or late retirement.
After this chapter you should be able to
1. calculate the cost of life insurance coverage.
2. determine the amount of coverage available for a given budgeted amount.
3. determine the amount owed for a hospital stay by the insured and the insurer.
4. calculate the cost and return for an insurance/savings program.
5. find the expected benefits from the Social Security retirement system for an individual.
6. find the impact on Social Security benefits resulting from early or delayed retirement.
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