| 摘要 |
<p>Life insurance methods, systems and products which revolve around having an insurance plan with at least two separate but related insurance contracts on the same insured or insureds. The contracts are developed using life insurance product data to develop tables from which death benefits and premium obligations, and usually cash values, are determined based upon an insured's gender, age and other risk factors. The death benefits and premium obligations, and cash values, if any, are divided between the two or more contracts where more of the premium obligations are assigned to one or more of the contracts while more of the death benefits and cash values, if any, are assigned to one or more of the remaining contracts. Nonforfeiture and surrender provisions as well as typical riders can be added to one or all of the contracts. The death benefits and cash values of the contracts are a function of the premiums paid for all of the contracts. <IMAGE></p> |
