The Achievement Group
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1958 - Based on 1950 census and life expectancy of 67. Before Polio vaccine. Same rates regardless of tobacco use. Most policies endowed at age 65. Most policies should be updated.

1980 - Based on 1980 census and life expectancy of 77. Beginning of smoker/non-smoker rates. Changes in medical science lengthens lives. Nursing homes and care facilities. People living longer - life insurance premiums are lowered. Most policies endowed at age 95. Some policies should be updated.

2001 - Based on 2000 census and life expectancy of 82. More improvement in medicine, cures for many cancer/illnesses, organ transplants/medications, changes in diet. Better quality foods. Most policies endow at age 121. Most policies should be left as they are.

Survey says...What year did the 2001 table go into effect?

A declining trend for the price of life insurance leaves many older plans overpriced!

Your fact finding and insurance reviews will help make a bigger difference for your clients and for you...

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