Say a business owner with 1, 000 employees buys basic term life insurance for everybody.
They are making money together off that deal and term life is the biggest money maker of them all.
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No one complains about the cost of term life insurance if they did not die in a given year.
Life insurance can be split into two basic categories: term life insurance and permanent life insurance term and perm.
Short-term life-insurance policies, paid by the employer, for example, used to be a neat way of avoiding income and payroll taxes.
Many view MetLife as primarily a life insurance company selling a variety of products such as variable, universal, whole and term life insurance policies.
We just have the opposite of term life insurance, in that the need is less likely to occur at the beginning than at the end.
Genworth Financial (33, GNW) is the largest U.S. seller of long-term-care insurance and variable annuities, number four for term life and number five for mortgage insurance.
The proper whole or term life insurance can let you get on with the business of living while knowing that should the worst happen, your family is protected.
However, you may be able to exclude some of the costs of employer-provided life insurance premiums from income if they are part of a group term life insurance plan.
So, like term life insurance, you could pay into a plan for several years with a good chance of never needing to or being able to make a claim.
Term life involves a calculation on the part of the brilliant number crunchers called actuaries to determine the probability of your passing away in an established period of time.
No one disputes the need for term life insurance for a family with young children, nor do people expect the price for the insurance to change over time and with risk.
The pope views his ministry as Bishop of Rome and Universal Pastor to be not a life term (a life sentence?) but a responsibility that it is now time to give up before a crisis might paralyze the Church and its leaders.
The charity currently supports 640 children, most of whom have long-term and life-threatening conditions, often requiring 24-hour care.
In return, he faced a sentencing range of 20 to 30 years, rather than a maximum term of life in prison.
Geneticist Thomas Johnson, now at the University of Colorado, showed that altering a single gene, called age-1, doubled the worms' term of life to one month.
If Lewis had proceeded to trial and been convicted by a jury, he could have faced a term of life without parole, said Assistant District Attorney Glenn Kurtzrock.
Their appeals are being seen by some legal observers as a test of the whole-of-life term.
Our term "still life" (from the Dutch still-liven) was effectively born with the genre.
Oakes, of Steeple, near Maldon, was convicted at Chelmsford Crown Court and sentenced to a whole-life term.
Her life term work was immortalised when the Hollywood legend Meryl Streep played her in a Broadway play.
Macdonald, already serving a life term for an arson offence, was jailed for six years, to run concurrently.
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The former president's brother Zhanysh, who led the security services, was given a life term for crimes including murder.
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Ms McArdle was sentenced to a life term for the murder and was released under the Good Friday Agreement.
Some insurance agents push "hybrid" policies that combine long-term care with life insurance as a way to lower costs.
Barach Bandavad, of Highbury Road, Horfield, was convicted of murdering Judith Ege, 58, and was sentenced to a life term.
Valle faces a possible life term if convicted on the kidnapping count.
Smith faces a mandatory life term, but the judge will decide how long he must spend in jail before being eligible for parole.
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