The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
All of the following are true about the cash value in Life insurance policies EXCEPT: A Term insurance has no cash value. B The cash value in a Whole Life policy is based upon the level premium concept. C On limited pay Whole Life, the cash value will equal the face amount at the end of the premium paying period. D Single premium Whole Life policies have an immediate cash value.