Access

You are not currently logged in.

Access your personal account or get JSTOR access through your library or other institution:

login

Log in to your personal account or through your institution.

If You Use a Screen Reader

This content is available through Read Online (Free) program, which relies on page scans. Since scans are not currently available to screen readers, please contact JSTOR User Support for access. We'll provide a PDF copy for your screen reader.

Variable Life Insurance in the Netherlands. A Case Study

Jacobus T. Severiens and Mark R. Greene
The Journal of Risk and Insurance
Vol. 41, No. 3 (Sep., 1974), pp. 511-521
DOI: 10.2307/252052
Stable URL: http://www.jstor.org/stable/252052
Page Count: 11
  • Read Online (Free)
  • Download ($9.00)
  • Subscribe ($19.50)
  • Cite this Item
Since scans are not currently available to screen readers, please contact JSTOR User Support for access. We'll provide a PDF copy for your screen reader.
Variable Life Insurance in the Netherlands. A Case Study
Preview not available

Abstract

Reacting to the increasing fear of inflation in the United States, the U.S. life insurance industry is about to start selling a new product-variable life insurance. The variable life insurance designs which have been discussed so far suggest that the new policies will be fairly complex, and may be hard to promote in spite of the need for inflation protection. Variable life contracts have been offered in the Netherlands since 1966, and the market acceptance of the product appears to be limited. Four major reasons are offered to account for the poor acceptance of variable life insurance in the Netherlands: (1) Lack of promotion by sales agents, (2) Investment growth which was only average, (3) Existence of a somewhat limited market for the contract, and (4) Inadequate profit margins on variable life policies. Guidelines are offered, based upon the Dutch experience, for U.S. insurers selling variable life insurance policies.

Page Thumbnails

  • Thumbnail: Page 
511
    511
  • Thumbnail: Page 
512
    512
  • Thumbnail: Page 
513
    513
  • Thumbnail: Page 
514
    514
  • Thumbnail: Page 
515
    515
  • Thumbnail: Page 
516
    516
  • Thumbnail: Page 
517
    517
  • Thumbnail: Page 
518
    518
  • Thumbnail: Page 
519
    519
  • Thumbnail: Page 
520
    520
  • Thumbnail: Page 
521
    521