Karen is concerned about the rate of return she will earn on a cash value life insurance policy. To analyze the rate of return, she divided each premium into two components: cost of insurance coverage and savings. Then she calculated the average annual rate of return that would be needed to transform the annual savings contributions into the guaranteed cash value at a specified time. Karen calculated the:

(a) net payment cost
(b) Linton yield
(c) yearly rate of return using the Belth method
(d) surrender cost

Ans: (b) Linton yield

Business

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