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A question about whole life insurance policies?

Assume two groups of policies,each consisting of 1000 policies, issued at the same time to groups of the same age. One group consists of single premium whole life policies and the other of 20 payment whole life policies. If mortality is less than anticipated, which group will show the largest mortality savings ?

Public Comments

1. The single premium, because fewer claims will be coming out of the pile of cash which means it has more time to earn more interest.
2. They both would show the same. See, the mortality cost to both groups is identical. You're forgetting to factor in the POINT of the cash value that eventually builds up - in order to keep the pricing level, the cash value builds, and is subtracted from the face value to calculate how much pure INSURANCE is being purchased.
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