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Lapse by Design Insurance, Incentives, and the System That Outlasts the Insured: Volume 2: The System Does Not Fail Randomly - It Follows Structural P

by Nancy Salloum
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Current price ₹1,718.00
Original price ₹1,963.00
Original price ₹1,963.00
Original price ₹1,963.00
(-12%)
₹1,718.00
Current price ₹1,718.00

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Book cover type: Paperback
  • ISBN13: 9798254244905
  • Binding: Paperback
  • Subject: N/A
  • Publisher: Independently Published
  • Publisher Imprint: Independently Published
  • Publication Date:
  • Pages: 234
  • Original Price: GBP 15.1
  • Language: English
  • Edition: N/A
  • Item Weight: 318 grams
  • BISAC Subject(s): Personal Finance / Retirement Planning

The system is not fully understood at the beginning.

It becomes clear over time.

After decades of commitment, many policyholders reach a critical point:
Premiums increase.
Affordability changes.
Policies become difficult to maintain.

Volume 2 examines the long-term outcomes of insurance participation-focusing on what becomes visible after 20, 30, or 40 years.

This book explores:
- Why premiums increase over time
- How affordability changes at retirement
- Why some policies do not remain in force
- The impact of policy loans and compounding interest on policy value
- The gap between expectation at entry and outcomes over time

These developments are not experienced as isolated events.
They emerge gradually through the structure of long-term participation.

This is not a rejection of insurance.

It is an examination of how systems operate over time-and what becomes visible when long-term structure meets real-life conditions.

Drawing on decades of direct experience, this volume brings clarity to outcomes that many only recognize late in the process.

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