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Question 1:
(a) What do you meant by the term ‘Life Insurance Contract'?
(b) Many people prefer to choose Single life policies compared to Joint life policies. Why is this so?
(c) List and describe any four different types of Life Insurance products.
(d) What are the steps a life insurance buyer normally undertakes before buying a policy?
Question 2:
(a) State the two main types of bonuses?
(b) What is the difference between a Without-profit policy and a With-profit policy?
(c) (i) Why the fair treatment of with-profits policyholders and shareholders has become an important issue?
(ii) State the four aspects identified by the Insurance Companies Regulation in which insurance companies are giving rise to unfairness issues?
(d) Briefly explain how surpluses are being calculated.
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