| 翻訳と辞書 |
| Juvenile life insurance ： ウィキペディア英語版 |
Juvenile life insurance
Juvenile life insurance is permanent life insurance that insures the life of a minor. It is a financial planning tool that provides a tax advantaged savings vehicle with potential for a lifetime of benefits.〔http://juvenilelifeinsurance.org/〕 Juvenile life insurance should not be confused with child life insurance which is usually purchased to protect a family against the sudden and unexpected costs of a funeral and burial with much lower face values.
== History ==
Life insurance policies for children became popular in the 19th century to pay funeral and burial costs during a time of high infant mortality. Initially controversial, life insurance for children eventually gained broad acceptance. Unlike traditional life insurance, burial insurance policies were marketed typically to the poorer classes.〔http://www.nationalarchives.gov.uk/podcasts/burial-clubs.htm〕 Mutual aid societies sponsored burial insurance policies for immigrants and religiously affiliated groups.〔Mutually Beneficial – The Guardian and Life Insurance In America. Robert E. Wright & George David Smith. New York University Press 2004. Page 28.〕 Such groups had their origins in ancient Rome, and were similar to burial societies, common in England during the industrial revolution and Jewish communities since the 13th-14th centuries.〔Maureen Carroll, Spirits of the dead: Roman funerary commemoration in Western Europe (Oxford University Press, 2006), pp. 45–46〕〔http://www.answers.com/topic/burial-society〕
Today, funeral and burial policies ("child life insurance") typically have a face value ranging from $5,000 to $50,000;〔http://www.buy-globe-life.com/?utm_source=google&utm_medium=ppc&utm_campaign=globe&gclid=CMfi0vunh6UCFQo65QodECPuQQ〕〔http://www.gerberlife.com/gl/view/index.jsp〕 do not require a medical exam, and provide the owner of an unused policy the choice of a distribution of the accumulated cash value or the option to convert the policy into a permanent whole life policy.〔 There are several companies well known for promoting and offering child life insurance. Funeral and burial insurance is similar to whole life insurance, but with lower face values, fewer rider options, and no medical underwriting.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
■ウィキペディアで「Juvenile life insurance」の詳細全文を読む
スポンサード リンク
| 翻訳と辞書 : 翻訳のためのインターネットリソース |
Copyright(C) kotoba.ne.jp 1997-2016. All Rights Reserved.
|
|