Detail How to Respond to Policy Changes   Oleh:  Alexander, Neil Jenis: Article from Bulletin/Magazine Dalam koleksi: Journal of Accountancy vol. 194 no. 5 (Nov. 2002), page 103. Topik: POLICY; policy changes Ketersediaan Perpustakaan Pusat (Semanggi) Nomor Panggil: JJ85.15 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada     Lihat Detail Induk Isi artikel Insurance companies can alter policy terms as often as they wish. Sometimes the changes benefit the carriers ; sometimes they benefit the policyholders. Interest, mortality (the probability a given individual will die) and expenses are the most common things that can change in a policy. Typically, they manifest themselves to clients as a rise or fall in insurance premiums. Advising clients on changing premiums involves getting the right information, analyzing it and periodically reviewing the policy. Interest rates and premiums work like a seesaw : During periods of declining interest rates, premiums usually rise. Policy holders then have a choice: Keep paying the original, lower premium but accept a lower death benefit or retain the original benefit and pay a higher premium. Rising interest rates have the opposite effect. Here’s how CPA s and clients can cope. Opini Anda Klik untuk menuliskan opini Anda tentang koleksi ini! Kembali

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