Description: Reviews Dr. Belth's level price method for comparing the costs of two different cash value life policies.

Description: Discusses the extent to which various influences are reflected in premiums, dividends and settlement options: improved mortality, interest rate trends, federal taxes, agent compensation and increasing expenses.

Description: It is worth the effort to obtain a pricing surface. It helps make an informed decision and facilitate the pricing conversation within and outside a company.

Description: A five-factor individual life expected profit formula is presented in this paper, with first-year lapse rate and amount of insurance as variables. The formula is appropriate for a single age-plan-sex cell.