Insurance policies in the proportion that each policy bears

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Appointment papers documents completed by the agent to effect authorization to act on behalf of the company. Apportionment division of a loss among insurance policies in the proportion that each policy bears to the total coverage applicable to the loss. For example, assume Policies A, B, C, and D have $50,000, $60,000, $70,000 and $80,000 of insurance in force, respectively: a total of $260,000 of coverage. Under the apportionment clause found in many property insurance policies, Policy A's percentage of any loss is 19.23%, Policy B's is 21.43%, Policy C's is 26.92%, and Policy D's is 30.77%.

An annuity may be bought by means of installments, with benefits scheduled to begin at a specified age such as 65; or, it may be bought by means of a single lump sum, with benefits scheduled to begin immediately or at a later date. No physical examination is required. For variations in methods of payment. 

Annuity analysis includes the rate of return, how long the annuity's interest rate is guaranteed, loads (front, middle, and back), the financial ranking of the insurance company offering the annuity, the monthly income factor per $1000 of the cash value of the deposit. For example, for the last item, if the monthly income factor is $6.18 per $1000 of cash value on deposit and the size of the cash value on the account is $100,000, a male annuitant would receive a monthly income benefit of $618 at age 65.

Appointment papers documents completed by the agent to effect authorization to act on behalf of the company. Apportionment division of a loss among insurance policies in the proportion that each policy bears to the total coverage applicable to the loss. For example, assume Policies A, B, C, and D have $50,000, $60,000, $70,000 and $80,000 of insurance in force, respectively: a total of $260,000 of coverage. Under the apportionment clause found in many property insurance policies, Policy A's percentage of any loss is 19.23%, Policy B's is 21.43%, Policy C's is 26.92%, and Policy D's is 30.77%.

An annuity may be bought by means of installments, with benefits scheduled to begin at a specified age such as 65; or, it may be bought by means of a single lump sum, with benefits scheduled to begin immediately or at a later date. No physical examination is required. For variations in methods of payment. 

Annuity analysis includes the rate of return, how long the annuity's interest rate is guaranteed, loads (front, middle, and back), the financial ranking of the insurance company offering the annuity, the monthly income factor per $1000 of the cash value of the deposit. For example, for the last item, if the monthly income factor is $6.18 per $1000 of cash value on deposit and the size of the cash value on the account is $100,000, a male annuitant would receive a monthly income benefit of $618 at age 65.