永久性人壽保險如何運作？
永久性人壽保險如何運作？
 The permanent policy is designed to last a lifetime. Whole life policies not only last a lifetime but they are sustained by a level premium. Other permanent plans can have a flexible premium but they do not usually guarantee to last a lifetime. Actuaries compute what amount of money will need to be collected each year to pay deaths claims within the insured group in each year in the future. To maintain a level premium they will charge more in the early years than the cost of the pure insurance. This money, and the interest earned on the money combine to form the cash value of the whole life insurance policy. The cash value offsets the face amount of the policy reducing the need for pure insurance. At the time of death the beneficiary receives the face amount.
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