Kansas City Life Insurance Company Reports Operating Results (10-Q) GuruFocus.com
30.04.10
Consolidated total premiums increased 3% in the first quarter of 2010 versus the same period in the prior year, as total new premiums increased 27% and total renewal premiums decreased 4%. Total new premiums increased $2.8 million, largely due to a $1.0 million or 24% increase in immediate annuities that provide guaranteed lifetime income for policyowners. The increase in immediate annuity sales represents a continuing demand for fixed-rate products by consumers. New group accident and health premiums increased $0.9 million or 39%, reflecting higher disability and dental premiums. New individual life premiums increased $0.7 million or 20%, as new premiums in the Old American segment increased 35%. The increase in new premiums from the Old American segment primarily reflects expanded distribution. The decline in renewal premiums reflected a $1.0 million or 10% decline in group accident and health premiums, largely in the dental and disability product lines, and a $0.5 million or 18% decline in group life premiums.
Source:
Life Insurance
This is my first life insurance client, need to know what to write for a 30yr female, non-smoker, 5'7", 160lbs. no meds.
She is not sure how much coverage to go for. What kind of questions should I ask to determine coverage amount?
And would ROP be best for her?
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