{"product_id":"lapse-by-design-insurance-incentives-and-the-system-that-outlasts-the-insured-volume-2-the-system-does-not-fail-randomly-it-follows-structural-p-9798254244905","title":"Lapse by Design Insurance, Incentives, and the System That Outlasts the Insured: Volume 2: The System Does Not Fail Randomly - It Follows Structural P","description":"\u003cp\u003e • Author(s): Nancy Salloum\u003cbr\u003e • Publisher: Independently Published\u003cbr\u003e • Publisher Imprint: Independently Published\u003cbr\u003e • BISAC: Personal Finance - Retirement Planning\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eThe system is not fully understood at the beginning.\u003c\/p\u003e\u003cp\u003eIt becomes clear over time.\u003c\/p\u003e\u003cp\u003eAfter decades of commitment, many policyholders reach a critical point: \u003cbr\u003ePremiums increase.\u003cbr\u003eAffordability changes.\u003cbr\u003ePolicies become difficult to maintain.\u003c\/p\u003e\u003cp\u003eVolume 2 examines the long-term outcomes of insurance participation-focusing on what becomes visible after 20, 30, or 40 years.\u003c\/p\u003e\u003cp\u003eThis book explores: \u003cbr\u003e- Why premiums increase over time\u003cbr\u003e- How affordability changes at retirement\u003cbr\u003e- Why some policies do not remain in force\u003cbr\u003e- The impact of policy loans and compounding interest on policy value\u003cbr\u003e- The gap between expectation at entry and outcomes over time\u003c\/p\u003e\u003cp\u003eThese developments are not experienced as isolated events.\u003cbr\u003eThey emerge gradually through the structure of long-term participation.\u003c\/p\u003e\u003cp\u003eThis is not a rejection of insurance.\u003c\/p\u003e\u003cp\u003eIt is an examination of how systems operate over time-and what becomes visible when long-term structure meets real-life conditions.\u003c\/p\u003e\u003cp\u003eDrawing on decades of direct experience, this volume brings clarity to outcomes that many only recognize late in the process.\u003c\/p\u003e","brand":"Independently Published","offers":[{"title":"Paperback","offer_id":47775324864663,"sku":"9798254244905","price":1718.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0666\/3471\/1191\/files\/9798254244905.webp?v=1777989660","url":"https:\/\/atlanticbooks.com\/products\/lapse-by-design-insurance-incentives-and-the-system-that-outlasts-the-insured-volume-2-the-system-does-not-fail-randomly-it-follows-structural-p-9798254244905","provider":"Atlantic Books","version":"1.0","type":"link"}