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Topic: Value of life

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	Life Insurance Cash Value, Insurance Appraisal, Life Insurance Policy Appraisal, Life Insurance Surrender Cash Value, ...
		Every life insurance owner should have their policies appraised to determine the life settlement value which may greatly exceed the life insurance cash value.
		A life insurance policy appraisal will provide you with the life settlement value versus the life insurance cash value as well as analyze multiple options on the best utilization of this asset.
		Sell your current policy for its fair market value and use the life settlement proceeds to subsidize the future premiums on a new policy.
	www.uslifesettlements.com /life-settlement-appraisal.htm (610 words)

	Value of life - Wikipedia, the free encyclopedia
		The value of life is an economic or moral value assigned to life in general, or to specific living organisms.
		Discussions about the value of life would be more-or-less limited to university philosophy departments and religious groups if it were not for the fact that this value must be calculated in an exact quantitative way by practitioners in these disciplines.
		So, treating an endangered human life, or even the value of Earth itself, in economics formally as a commodity can be morally justified, in that risks of failure to protect it, thus become costs.
	en.wikipedia.org /wiki/Value_of_life (707 words)

	Learn more about Life in the online encyclopedia. (Site not responding. Last check: 2007-10-19)
		Life is a multi-faceted concept with no simple definition, in part because the word is often used in an intentionally open-ended way, as exemplified by phrases such as "eternal life", "artificial life", and "extraterrestrial life".
		A useful characteristic upon which to base a definition of life is that of descent with modification: the ability of a life form to produce offspring that are like its parent or parents, but with the possibility of some variation due to chance.
		In all known life forms (assuming prions are not counted as such), the genetic material is primarily DNA or the related molecule, RNA.
	www.onlineencyclopedia.org /l/li/life.html (1137 words)

	Fool.com: What are the differences between term life and cash value policies? [Insurance Center]
		As retirement approaches, your need for life insurance is likely to decline, as children become able to support themselves (even if your own little "rebel without a clue" may not yet be willing) and retirement savings begin to approximate a lump-sum life insurance payment.
		The cash value savings goal -- at least as these policies were originally conceived -- is to provide income to cover life insurance payments in your golden years, when premiums become prohibitively expensive.
		One common sales tactic is to stress that cash value policies are "permanent" and that a payoff is "guaranteed," as opposed to those "temporary" policies in which your money simply "disappears." Term life can be as "permanent" as you choose to make it, via guaranteed renewable policies.
	www.fool.com /insurancecenter/life/life05.htm (753 words)

	Price of life - Wikipedia, the free encyclopedia
		In neoclassical economics, the price of life' is the only arbiter of value of life.
		In other form of economics, there are other ways of assigning value than to set a price in commodity markets - the rules and adjudications of which are themselves reflective of non-price value judgements.
		even if...basic parameters such as the value of life and the discount rate were clear-cut, the cost-benefit approach...
	en.wikipedia.org /wiki/Price_of_life (167 words)

	Encyclopedia: Value of life
		Value is a term that expresses the concept of worth in general, and it is thought to be connected to reasons for certain practices, policies or actions.
		A moral argument associated with this is the great ape genocide debate, which has become especially poignant since the recent advocacy by some scientists to move the two chimpanzee species into the genus Homo (previously it was considered a hominid).
		In economics, value of Earth is the ultimate in ecosystem valuation, and important to value of life calculations.
	www.nationmaster.com /encyclopedia/Value-of-life (1694 words)

	Understanding the value of life insurance
		Life insurance can help you to provide financial security for your loved ones as well as assist you in achieving your financial goals.
		Term life is basic insurance that pays a death benefit if you die during the term of the policy.
		The amount you pay for life insurance depends on a number of factors, including your age, your health, and your family's medical history, whether you smoke, and the type and amount of insurance you plan to buy.
	mncpa.org /information/Reading_Room/Money_Management/money_management_view.asp?id=197&link=popular (680 words)

	Emuforums.com - The value of life
		The third category might end up experiencing a bit more of emotions; perhaps they will come to respect life per se rather than per race whether that is a good thing or not is up to the person and will be determined based on their values, beliefs and some other variables.
		However, it has the added value that we can add to the schema, as part of the structure that we are (and one of the most important ones, since we are the only ones able to understand the magnificience of such coindence).
		Life to me is a set of interactions between you and the rest of the world, you give, you take, you lose, you win, it all part of life.
	www.ngemu.com /forums/showthread.php?t=50618 (1810 words)

	Articles: THE CHRISTIAN VALUE OF LIFE -- Network211 (Site not responding. Last check: 2007-10-19)
		The core issue of “the value of the child in the 21st century” is life itself.
		The issues of life and quality of life of children are shaping the demographics and behaviors of this generation and will profoundly affect the 21st century.
		Quality of life in the Bible has also implied material blessing in some circumstances, but the focus is neither on the material/physical, nor the lack of possessions, but on a calm assurance that one is in a right relationship with God.
	www.parkerchristiancenter.com /ViewArticle.cfm?id=1135&category=article (2654 words)

	Insure.com Car Insurance - Official site. Compare auto insurance quotes, 200 companies, instant term life insurance ... (Site not responding. Last check: 2007-10-19)
		Permanent life insurance, such as whole life, universal life, or variable life, covers you for the remainder of your life.
		For universal and variable universal life insurance policies, you can choose to have your cash value added to the death benefit, but you must specifically select this option (and the higher premiums that go along with it) for your beneficiaries to receive the cash value.
		The most common way people access their cash value is by taking out a loan against their policy and paying it back with interest, usually at 7 to 8 percent.
	info.insure.com /life/cashvalue.html (1067 words)

	AllOptions.com - Cash Value Life Insurance
		Cash Value Life insurance is a long term life insurance policy which in addition to providing a benefit upon the death of the insured, it also accrues cash value over time, this cash can be used to pay future premiums or serve as a form of savings.
		A benefits of having a cash value life insurance policy is that you can borrow against your cash value or draw it out by surrendering your policy (subject to a surrender charge) if needed.
		The best known cash value life insurance is whole life insurance, which covers you for your whole life with no change in your premium.
	insurance.alloptions.com /cash-value-life-insurance.asp?id=10688 (136 words)

	riskylife.com - Life Insurance: Should I Buy Cash Value Life Insurance or Term Life Insurance? (Pure Life Insurance ... (Site not responding. Last check: 2007-10-19)
		The reason why it is called "cash value life insurance" is because in addition to using your life insurance premium payments to pay for your life protection charges, the insurance company is also using part of the premium payments to accumulate cash value in your life insurance policy.
		A term life insurance policy, on the other hand, allows you to choose the exact number of years of protection by continually renewing your existing term life policy until a designated year is reached.
		For most people who want to have life insurance protection before retirement or when their kids are still financially dependent, who can only afford low life insurance premium payments, and who may have short-term liquidity concerns, term life insurance policies are most likely to be the kind of policies they are looking for.
	www.riskylife.com /insurance/termandcashvalue.html (1255 words)

	Deciphering Cash Value Life Insurance Illustrations
		Cash value life insurance illustrations are critical to the life insurance planning process because they serve as roadmaps for consumers considering the purchase of life insurance.
		However, life insurance policy pricing is inherently complicated, making it easy for life insurance companies to manipulate illustrations in ways that give them an apparent advantage over other companies, yet leave policy buyers vulnerable to exaggerated claims that may not materialize.
		The surrender value for this policy is zero for four years (after having paid $200,000 in combined premiums for four years!) and the surrender value is far below its apparent asset share for more than 15 years (for example, the surrender value in the tenth year is calculated using my asset share pricing model).
	www.peterkatt.com /articles/JFP_oct1997.html (925 words)

	NRDC Backgrounder: Cheapening the Value Of Life: The Bush Administration's Death Discount
		The theory behind QALY is that the value of saving someone's life should be adjusted downward the older and more infirm he or she gets.
		The administration also is only considering alternative techniques that would lower the value of life instead of approaches that might raise the standard estimate, such as shifting from assessments based on a current "willingness to pay" for safeguards to approaches based on a "willingness-to-accept" harms or risks.
		If, for example, the government decided the value of life is now worth less than a tenth of what is used to be, policymakers could decide to allow 10 times as many deaths from environmental pollution -- claiming the "benefits" were unchanged -- to keep costs down for industry.
	www.nrdc.org /media/pressreleases/030401a.asp (1081 words)

	Fool.com: Should I buy term life or cash value insurance? [Insurance Center]
		Many term life policies are both "renewable" and "convertible." The former insures that you can re-up for another term policy without a medical exam.
		The latter allows you to convert your term life policy into an equivalent cash value policy from the same carrier, should this make sense during the term of the policy.
		In this case, cash value life insurance may be the only way to provide your spouse with sufficient replacement income, should you die first.
	www.fool.com /insurancecenter/life/qa/06.htm (828 words)

	On the Value of Human Life
		A criticism is that if we allow some level of risk to persist in return for economic benefits, this is putting a value on human life (or at least health) and that this is inappropriate because a human life is invaluable–its value is infinite.
		You can take issue with my car analogy because, when it comes to cars, it is the driver who his taking the risk for his or her own benefit, while in the case of chemical exposure, risk is imposed on some people for the benefit of others.
		In other words, the question is then one of equity in the risk-benefit trade-off, and the fact that we do place a finite value on life is not of issue.
	pw2.netcom.com /~drpauls/value.html (558 words)

	Value For Life - Shane Co - The Shane Company
		For all Shane Co. jewelry made of gold or platinum and set with any diamonds, rubies or sapphires, you will receive the full value that you paid as a credit toward another piece of jewelry, provided that your new purchase is double the value of the original purchase.
		We want to be your jeweler for life, so our promise to you is that we guarantee your jewelry for life for free.
		If your Shane Co. jewelry is stolen, and you provide a police report describing the stolen jewelry, you will be able to purchase replacement jewelry at a substantial discount.
	www.shaneco.com /about/value_for_life.asp (394 words)

	GCI: Defending the Value of Life
		GCI led the campaign to defend the "value of life" by rejecting this crazy analysis.
		These values are calculated on the basis of asking people's "willingness to pay" to avoid the risk that damage.
		If these factors were properly taken into account, the use of an "average" value of life would lead to a much higher total damage than derived from differential value of life based on "willingness to pay".
	www.gci.org.uk /vol/vol.html (1438 words)

	The Value of Life
		It would seem reasonable to hire an attorney to sue a vet for the cost incurred in treating an animal that died in his or her care.
		According to polls, 50 percent of pet owners would "very likely" risk their own life to rescue their pet while 33 percent said they were "somewhat likely" to risk death.
		When "a rat is a pig is a dog is a boy" is accepted by society, the boy's life is diminished.
	www.lifeway.com /common/clickthru/0,1603,Teaser=107165,00.html?X=http://www.lifeway.com/lwc/article_main_page/0,1703,A=159662&M=150019,00.html (789 words)

	CCH Financial Planning Toolkit \| Term vs. Cash Value?
		Life insurance policies can be divided into two main categories, term insurance and cash value insurance.
		Although it's called "term" insurance because the coverage runs for a specified term (such as a year), many modern term policies may be renewed at the option of the insured for as long as he or she is willing to pay the premiums.
		A policyholder normally can receive the benefit of these cash values during lifetime in one of two ways: (1) by taking a loan against them, or (2) by cashing in the policy (the policy will no longer be in force, but the policyholder will receive the cash surrender value).
	www.finance.cch.com /text/c30s15d020.asp (387 words)

	Superior Value Life - Whole Life Insurance - WesternSouthernLife.com
		A Superior Value Life (Whole Life) policy, issued by The Western and Southern Life Insurance Company, gives you permanent life insurance protection, fixed premiums, and cash values.
		Superior Value Life premiums are banded and differ by sex, age, tobacco use, and face amount.
		The minimum face amount for Superior Value Life policies is $5,000 at issue ages 0-59 and $2,500 at issue ages 60-80.
	www.westernsouthernlife.com /ps/ProductDetail.asp?sCategoryId=1001&sSubCategoryId=2001&sProductId=4082 (780 words)

	Life Settlement - Increase Life Insurance Cash Surrender Value with Life Settlements
		We can help you quickly sell your life insurance policy for more than the surrender cash value (sometimes double or even triple the amount), at no cost to you and with no stress and no obligation.
		First American Finance assists individuals in selling their policies who are 65 years of age or older, having life policies of $100,000 or more, that are no longer needed or desired.
		Here are some examples of individuals that have benefited from the sale of their life policies.
	www.cybergate7.com /lifesettlement.htm (535 words)

	Cash Value Life Insurance
		>a variation, "vanishing premium" life insurance may have a provision that should returns on cash values be too low to generate amounts needed to pay the premium, the insured may have to pay premiums again.
		>in essence, the cash value and the face amount are equal at the endowment date rather than age 100.
		Variable life -- was an industry response (late 70’s) to consumer desire to select among investment options for their cash value accumulations
	www.uky.edu /~rforgue/fam304/notes/cashvalueoutline.html (546 words)

	Value of Human Life
		Life is losing it's value in the sight of most Americans:
		Our value is not based on our being perfect or on achieving something.
		That is why people who do not honor God with their lives, do not see value in human life, even their own life.
	zbh.com /sermons/lifevalu.htm (1414 words)

	Low Value Life - index page - Free MP3 downloads, CDs, Bio Info, Tour Dates, Lyrics and More!" (Site not responding. Last check: 2007-10-19)
		Low Value Life were formed in late Summer of '95 by Sleaze H. on guitar & vocals and Martin Human on Bass.
		As the recordings still represent the peak of Low Value Life, a release to a wide public remained to be seen.
		His contribution to Low Value Life is a true honour.
	www.iuma.com /IUMA/Bands/Low_Value_Life (238 words)

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