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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
Paperback
Publisher: Independently Published
Published: Mar 30 2026
Pages: 234
Weight: 0.70
Height: 0.49 Width: 6.00 Depth: 9.00
Language: English
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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