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Insurance

Earnings multiple approach

A commonly used term in employee benefits, a group life plan provides an employee with a predetermined amount of life insurance coverage, typically one or two times their annual salary. This type of plan is offered by an employer to their employees as a form of financial protection in the event of an employee's death.

Annual-premium annuity

Let's discuss the concept of a deferred annuity, which involves paying the purchase price in yearly installments. This financial instrument allows for future payments to be ...

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Unearned premium

One key concept in insurance is the unearned premium, which refers to the portion of the premium that has been received by the insurer but has not yet been used to provide c...

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Straight life annuity

An irrevocable life annuity is a financial arrangement where the annuitant receives a fixed income for the rest of their life, without any provision for a refund to beneficia...

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Reinsurance pool

Reinsurance is a crucial tool in the world of finance, particularly in the insurance industry. It allows for the transfer of risk from one insurer to another, providing a la...

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