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Tuesday, May 8, 1973
University Daily Kansan
Life Insurance Abundant for Grads
By EMILY BRELAND Kansan Staff Writer
Many graduating seniors at the University of Kansas may find themselves plagued after graduation by client-hungry insurance companies, according to the Consumer Protection Agency's education director, Pat Weiss.
"We don't want to tell students what insurance companies to use, but to let them
Lawrence to KC Flights Offered
Air service from Lawrence to Kansas City is now being offered by Lawrence Aviation Inc.
The company, which was started in January, offers seven daily round trip flights on week days and three round trip flights on weekends.
Weekday flights leave Lawrence
Washington, 10 a.m., 10 p.m,
3 p.m, 430 p.m and 7 p.m.
Return flights from Kansas City Airport are at 7:35 a.m., 9:06 a.m., 10:35 a.m., 12:35 p.m., 3:35 p.m., 5:05 p.m. and 8:05 p.m.
On weekends, only the 8:30 a.m., 3 p.m.
and 7:05 p.m. flights from Lawrence are
A one-way ticket for the flight, which lasts
a minute, costs $18. A round-trip ticket
costs $36.
know that they can shop around for insurance," Weiss said. "It is also important that people know the right questions to ask."
In the April edition of Probe, the official publication of the Consumer United Program, an article entitled "Differences Revealed in Term Life." The program emphasizes the importance of insurance that people should be aware of before making decisions about insurance.
THE FIRST TYPE of insurance is term insurance, so called because it is sold for specified time periods, usually five years at a rate of $100 per year. The policy at a higher rate each five years.
The Probe article said that term insurance was the least expensive type of life insurance at most age levels and was the least promoted by insurance salesmen. Term insurance is merely protection insured in which benefits only upon death, the article said.
The second type of insurance discussed in the article is straight or ordinary life insurance which builds up cash value from premiums that remain the same over the years. It combines protection and investment, the article said.
THE PROBE ARTICLE referred to a 20-page booklet, "A Shopper's Guide to Term Life Insurance," published by the Pennsylvania Insurance Department. According to the article, the guide makes two points about life insurance, considerable sums for insurance buyers.
The first point is that it pays to shop
Herbert S. Denenberg, head of the Pennsylvania Insurance Department and author of the book *What's Wrong with term insurance premiums* were so much lower than cash value premiums.
around among companies. The second is that term life insurance premiums are much lower than those for straight insurance except in the higher age brackets.
"Term insurance has no cash value and therefore provides maximum protection for each premium dollar," Dandenberg said. "For example, at age 35, a man can get $25,000 of five-year term insurance for about $135 a year, but he would have to pay $235 for a $10,000 straight life policy at the same age."
"THAT IS TWO and a half as much term cover for $100 less annual premium. Of course, the term premium would increase if the age 40, $240 at age 45 and $50 at age 50."
However, as the Probe article points out, the average of the term premiums would still be less than straight life premiums because of the longer year period and the term premiums would be buying two and a half times as much insurance protection.
Denenberg suggests a five-year convertible and renewable term policy if term insurance is desired. The policy can be replaced with another, because the insurance provider will be continue as a specified age. Until then the policyholder can enjoy lower premiums.
Denberg said that whether you decide on term or straight life insurance, a person must be insured.
"Premiums alone will not tell the story." he said. "You must take into account cash values, dividends and when these items are payable."
Classics Department Announces Awards
Winners of the Latin and Greek awards were announced Monday by the department
Greg Schlender, McPherson senior, and Dale Vernon Gear, Kansas City, Kan., senior, were awarded the Sterling Walker Greek award. Greg Buehne, Wichita College, Stephen Sharrant, Lawrence junior, received the Hannah Ollivard Latin Award.
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PAGE FOUR
Hillcrest Shopping Center 9th & Iowa
Human Development Day Care Program
KU is currently accepting applications for summer and fall. Summer session June 4 - July 27. Fall semester begins August 27.
Hrs.: 7:30-5:00 Mon.-Fri.
Cost: $1700 per week.
For info call 864-4950
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CZECHOSLOVAK BRASS ORCHESTRA
RUDOLF URBANECD. cond
HELJOTROPE BOUQUET Piaao Rags
BAROQUE MUSIC FOR RECORDERS Works by Christoph Demontain, Johann Friedrich Peschat, Georgic Priebe and Eduard Lieslert, and Erasmus Wiedmann.
HELIOTROPE BOUQUET:
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WILLIAM BOLCOM, piano
Sale runs thru Monday, May 14
1420 Crescent Rd.
iscount records
Mon. thru Friday 10-8 p.m.
842-4626
Saturdays 10-6 p.m.
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