SlideShare una empresa de Scribd logo

Joint life policy

•Descargar como PPTX, PDF•
•
meraskill
meraskill

Joint life policy

Educación
1 de 4
MeraSkill.com Online preparation for CA CPT,CS & CMA Foundation exam Joint Life Policy MeraSkill.com Online preparation for CA CPT,CS & CMA Foundation exam
MeraSkill.com Online preparation for CA CPT,CS & CMA Foundation exam Life Policies
MeraSkill.com Online preparation for CA CPT,CS & CMA Foundation exam Joint Life Policy Single Life Policy Objective Premium, Surrender value, Maturity Accounting Treatment - 3 methods Life Policy
MeraSkill.com Online preparation for CA CPT,CS & CMA Foundation exam Watch Full Video course & take quiz visit https://www.meraskill.com https://meraskill.com/ca-cpt/cpt-notes https://meraskill.com/ca-cpt/cpt-exam http://www.meraskill.com/cpt-question-paper https://meraskill.com/ca-cpt/cpt-syllabus https://www.meraskill.com/fridayrelease MeraSkill.com Online preparation for CA CPT,CS & CMA Foundation exam

Recomendados

OpenStack Ecosystem (10000 feet oveview)
OpenStack Ecosystem (10000 feet oveview)OpenStack Ecosystem (10000 feet oveview)
OpenStack Ecosystem (10000 feet oveview)Anil Bidari ( CEO , Cloud Enabled)
 
Best professional indemnity insurance quote
Best professional indemnity insurance quoteBest professional indemnity insurance quote
Best professional indemnity insurance quotekelly657
 
INSIGHT Business Solutions
INSIGHT Business Solutions INSIGHT Business Solutions
INSIGHT Business Solutions Mitri J. Muna
 
Infographic 60 Top Auto Insurance Keywords by Monthly Average Search Volume o...
Infographic 60 Top Auto Insurance Keywords by Monthly Average Search Volume o...Infographic 60 Top Auto Insurance Keywords by Monthly Average Search Volume o...
Infographic 60 Top Auto Insurance Keywords by Monthly Average Search Volume o...TPG
 
Teen Driving Insurance?
Teen Driving Insurance?Teen Driving Insurance?
Teen Driving Insurance?coralpzg509
 
3.3.3.4 lab using wireshark to view network traffic
3.3.3.4 lab using wireshark to view network traffic3.3.3.4 lab using wireshark to view network traffic
3.3.3.4 lab using wireshark to view network trafficAransues
 
Qualified CA Career opportunities in 3rd area
Qualified CA Career opportunities in 3rd areaQualified CA Career opportunities in 3rd area
Qualified CA Career opportunities in 3rd areameraskill
 
Stock taking
Stock takingStock taking
Stock takingmeraskill
 

Recomendados

OpenStack Ecosystem (10000 feet oveview)
OpenStack Ecosystem (10000 feet oveview)OpenStack Ecosystem (10000 feet oveview)
OpenStack Ecosystem (10000 feet oveview)Anil Bidari ( CEO , Cloud Enabled)
 
Best professional indemnity insurance quote
Best professional indemnity insurance quoteBest professional indemnity insurance quote
Best professional indemnity insurance quotekelly657
 
INSIGHT Business Solutions
INSIGHT Business Solutions INSIGHT Business Solutions
INSIGHT Business Solutions Mitri J. Muna
 
Infographic 60 Top Auto Insurance Keywords by Monthly Average Search Volume o...
Infographic 60 Top Auto Insurance Keywords by Monthly Average Search Volume o...Infographic 60 Top Auto Insurance Keywords by Monthly Average Search Volume o...
Infographic 60 Top Auto Insurance Keywords by Monthly Average Search Volume o...TPG
 
Teen Driving Insurance?
Teen Driving Insurance?Teen Driving Insurance?
Teen Driving Insurance?coralpzg509
 
3.3.3.4 lab using wireshark to view network traffic
3.3.3.4 lab using wireshark to view network traffic3.3.3.4 lab using wireshark to view network traffic
3.3.3.4 lab using wireshark to view network trafficAransues
 
Qualified CA Career opportunities in 3rd area
Qualified CA Career opportunities in 3rd areaQualified CA Career opportunities in 3rd area
Qualified CA Career opportunities in 3rd areameraskill
 
Stock taking
Stock takingStock taking
Stock takingmeraskill
 
Summary partnership accounts
Summary partnership accountsSummary partnership accounts
Summary partnership accountsmeraskill
 
Issue of share at premium
Issue of share at premiumIssue of share at premium
Issue of share at premiummeraskill
 
Examples issue of debentures
Examples issue of debenturesExamples issue of debentures
Examples issue of debenturesmeraskill
 
Consignment accounting
Consignment accountingConsignment accounting
Consignment accountingmeraskill
 
Relationship & function
Relationship & functionRelationship & function
Relationship & functionmeraskill
 
What are logarithm
What are logarithmWhat are logarithm
What are logarithmmeraskill
 
Performance of a contract
Performance of a contractPerformance of a contract
Performance of a contractmeraskill
 
Consumer equilibrium
Consumer equilibriumConsumer equilibrium
Consumer equilibriummeraskill
 
Types of cost
Types of costTypes of cost
Types of costmeraskill
 
Kinked demand curve
Kinked demand curveKinked demand curve
Kinked demand curvemeraskill
 
Find your skill
Find your skillFind your skill
Find your skillmeraskill
 
Career Opportunity for Qualified CA, CS and CMA
Career Opportunity for Qualified CA, CS and CMACareer Opportunity for Qualified CA, CS and CMA
Career Opportunity for Qualified CA, CS and CMAmeraskill
 
Sale of Goods on approval or return basis
Sale of Goods on approval or return basisSale of Goods on approval or return basis
Sale of Goods on approval or return basismeraskill
 
FINALS_OF_LEFT_ON_C'N_EL_DORADO_2024.pptx
FINALS_OF_LEFT_ON_C'N_EL_DORADO_2024.pptxFINALS_OF_LEFT_ON_C'N_EL_DORADO_2024.pptx
FINALS_OF_LEFT_ON_C'N_EL_DORADO_2024.pptxConquiztadors- the Quiz Society of Sri Venkateswara College
 
call girls in Kamla Market (DELHI) 🔝 >༒9953330565🔝 genuine Escort Service 🔝✔️✔️
call girls in Kamla Market (DELHI) 🔝 >༒9953330565🔝 genuine Escort Service 🔝✔️✔️call girls in Kamla Market (DELHI) 🔝 >༒9953330565🔝 genuine Escort Service 🔝✔️✔️
call girls in Kamla Market (DELHI) 🔝 >༒9953330565🔝 genuine Escort Service 🔝✔️✔️9953056974 Low Rate Call Girls In Saket, Delhi NCR
 
Transaction Management in Database Management System
Transaction Management in Database Management SystemTransaction Management in Database Management System
Transaction Management in Database Management SystemChristalin Nelson
 
Science 7 Quarter 4 Module 2: Natural Resources.pptx
Science 7 Quarter 4 Module 2: Natural Resources.pptxScience 7 Quarter 4 Module 2: Natural Resources.pptx
Science 7 Quarter 4 Module 2: Natural Resources.pptxMaryGraceBautista27
 
FILIPINO PSYCHology sikolohiyang pilipino
FILIPINO PSYCHology sikolohiyang pilipinoFILIPINO PSYCHology sikolohiyang pilipino
FILIPINO PSYCHology sikolohiyang pilipinojohnmickonozaleda
 
Student Profile Sample - We help schools to connect the data they have, with ...
Student Profile Sample - We help schools to connect the data they have, with ...Student Profile Sample - We help schools to connect the data they have, with ...
Student Profile Sample - We help schools to connect the data they have, with ...Seán Kennedy
 
Barangay Council for the Protection of Children (BCPC) Orientation.pptx
Barangay Council for the Protection of Children (BCPC) Orientation.pptxBarangay Council for the Protection of Children (BCPC) Orientation.pptx
Barangay Council for the Protection of Children (BCPC) Orientation.pptxCarlos105
 
Visit to a blind student's school🧑‍🦯🧑‍🦯(community medicine)
Visit to a blind student's school🧑‍🦯🧑‍🦯(community medicine)Visit to a blind student's school🧑‍🦯🧑‍🦯(community medicine)
Visit to a blind student's school🧑‍🦯🧑‍🦯(community medicine)lakshayb543
 
ACC 2024 Chronicles. Cardiology. Exam.pdf
ACC 2024 Chronicles. Cardiology. Exam.pdfACC 2024 Chronicles. Cardiology. Exam.pdf
ACC 2024 Chronicles. Cardiology. Exam.pdfSpandanaRallapalli
 

Más contenido relacionado

Más de meraskill

Summary partnership accounts
Summary partnership accountsSummary partnership accounts
Summary partnership accountsmeraskill
 
Issue of share at premium
Issue of share at premiumIssue of share at premium
Issue of share at premiummeraskill
 
Examples issue of debentures
Examples issue of debenturesExamples issue of debentures
Examples issue of debenturesmeraskill
 
Consignment accounting
Consignment accountingConsignment accounting
Consignment accountingmeraskill
 
Relationship & function
Relationship & functionRelationship & function
Relationship & functionmeraskill
 
What are logarithm
What are logarithmWhat are logarithm
What are logarithmmeraskill
 
Performance of a contract
Performance of a contractPerformance of a contract
Performance of a contractmeraskill
 
Consumer equilibrium
Consumer equilibriumConsumer equilibrium
Consumer equilibriummeraskill
 
Types of cost
Types of costTypes of cost
Types of costmeraskill
 
Kinked demand curve
Kinked demand curveKinked demand curve
Kinked demand curvemeraskill
 
Find your skill
Find your skillFind your skill
Find your skillmeraskill
 
Career Opportunity for Qualified CA, CS and CMA
Career Opportunity for Qualified CA, CS and CMACareer Opportunity for Qualified CA, CS and CMA
Career Opportunity for Qualified CA, CS and CMAmeraskill
 
Sale of Goods on approval or return basis
Sale of Goods on approval or return basisSale of Goods on approval or return basis
Sale of Goods on approval or return basismeraskill
 

Más de meraskill (13)

Summary partnership accounts
Summary partnership accountsSummary partnership accounts
Summary partnership accounts
 
Issue of share at premium
Issue of share at premiumIssue of share at premium
Issue of share at premium
 
Examples issue of debentures
Examples issue of debenturesExamples issue of debentures
Examples issue of debentures
 
Consignment accounting
Consignment accountingConsignment accounting
Consignment accounting
 
Relationship & function
Relationship & functionRelationship & function
Relationship & function
 
What are logarithm
What are logarithmWhat are logarithm
What are logarithm
 
Performance of a contract
Performance of a contractPerformance of a contract
Performance of a contract
 
Consumer equilibrium
Consumer equilibriumConsumer equilibrium
Consumer equilibrium
 
Types of cost
Types of costTypes of cost
Types of cost
 
Kinked demand curve
Kinked demand curveKinked demand curve
Kinked demand curve
 
Find your skill
Find your skillFind your skill
Find your skill
 
Career Opportunity for Qualified CA, CS and CMA
Career Opportunity for Qualified CA, CS and CMACareer Opportunity for Qualified CA, CS and CMA
Career Opportunity for Qualified CA, CS and CMA
 
Sale of Goods on approval or return basis
Sale of Goods on approval or return basisSale of Goods on approval or return basis
Sale of Goods on approval or return basis
 

Último

call girls in Kamla Market (DELHI) 🔝 >༒9953330565🔝 genuine Escort Service 🔝✔️✔️
call girls in Kamla Market (DELHI) 🔝 >༒9953330565🔝 genuine Escort Service 🔝✔️✔️call girls in Kamla Market (DELHI) 🔝 >༒9953330565🔝 genuine Escort Service 🔝✔️✔️
call girls in Kamla Market (DELHI) 🔝 >༒9953330565🔝 genuine Escort Service 🔝✔️✔️9953056974 Low Rate Call Girls In Saket, Delhi NCR
 
Transaction Management in Database Management System
Transaction Management in Database Management SystemTransaction Management in Database Management System
Transaction Management in Database Management SystemChristalin Nelson
 
Science 7 Quarter 4 Module 2: Natural Resources.pptx
Science 7 Quarter 4 Module 2: Natural Resources.pptxScience 7 Quarter 4 Module 2: Natural Resources.pptx
Science 7 Quarter 4 Module 2: Natural Resources.pptxMaryGraceBautista27
 
FILIPINO PSYCHology sikolohiyang pilipino
FILIPINO PSYCHology sikolohiyang pilipinoFILIPINO PSYCHology sikolohiyang pilipino
FILIPINO PSYCHology sikolohiyang pilipinojohnmickonozaleda
 
Student Profile Sample - We help schools to connect the data they have, with ...
Student Profile Sample - We help schools to connect the data they have, with ...Student Profile Sample - We help schools to connect the data they have, with ...
Student Profile Sample - We help schools to connect the data they have, with ...Seán Kennedy
 
Barangay Council for the Protection of Children (BCPC) Orientation.pptx
Barangay Council for the Protection of Children (BCPC) Orientation.pptxBarangay Council for the Protection of Children (BCPC) Orientation.pptx
Barangay Council for the Protection of Children (BCPC) Orientation.pptxCarlos105
 
Visit to a blind student's school🧑‍🦯🧑‍🦯(community medicine)
Visit to a blind student's school🧑‍🦯🧑‍🦯(community medicine)Visit to a blind student's school🧑‍🦯🧑‍🦯(community medicine)
Visit to a blind student's school🧑‍🦯🧑‍🦯(community medicine)lakshayb543
 
ACC 2024 Chronicles. Cardiology. Exam.pdf
ACC 2024 Chronicles. Cardiology. Exam.pdfACC 2024 Chronicles. Cardiology. Exam.pdf
ACC 2024 Chronicles. Cardiology. Exam.pdfSpandanaRallapalli
 
Judging the Relevance and worth of ideas part 2.pptx
Judging the Relevance and worth of ideas part 2.pptxJudging the Relevance and worth of ideas part 2.pptx
Judging the Relevance and worth of ideas part 2.pptxSherlyMaeNeri
 
AUDIENCE THEORY -CULTIVATION THEORY - GERBNER.pptx
AUDIENCE THEORY -CULTIVATION THEORY - GERBNER.pptxAUDIENCE THEORY -CULTIVATION THEORY - GERBNER.pptx
AUDIENCE THEORY -CULTIVATION THEORY - GERBNER.pptxiammrhaywood
 
ISYU TUNGKOL SA SEKSWLADIDA (ISSUE ABOUT SEXUALITY
ISYU TUNGKOL SA SEKSWLADIDA (ISSUE ABOUT SEXUALITYISYU TUNGKOL SA SEKSWLADIDA (ISSUE ABOUT SEXUALITY
ISYU TUNGKOL SA SEKSWLADIDA (ISSUE ABOUT SEXUALITYKayeClaireEstoconing
 
Choosing the Right CBSE School A Comprehensive Guide for Parents
Choosing the Right CBSE School A Comprehensive Guide for ParentsChoosing the Right CBSE School A Comprehensive Guide for Parents
Choosing the Right CBSE School A Comprehensive Guide for Parentsnavabharathschool99
 
Grade 9 Quarter 4 Dll Grade 9 Quarter 4 DLL.pdf
Grade 9 Quarter 4 Dll Grade 9 Quarter 4 DLL.pdfGrade 9 Quarter 4 Dll Grade 9 Quarter 4 DLL.pdf
Grade 9 Quarter 4 Dll Grade 9 Quarter 4 DLL.pdfJemuel Francisco
 
HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...
HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...
HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...Nguyen Thanh Tu Collection
 
Like-prefer-love -hate+verb+ing & silent letters & citizenship text.pdf
Like-prefer-love -hate+verb+ing & silent letters & citizenship text.pdfLike-prefer-love -hate+verb+ing & silent letters & citizenship text.pdf
Like-prefer-love -hate+verb+ing & silent letters & citizenship text.pdfMr Bounab Samir
 
Procuring digital preservation CAN be quick and painless with our new dynamic...
Procuring digital preservation CAN be quick and painless with our new dynamic...Procuring digital preservation CAN be quick and painless with our new dynamic...
Procuring digital preservation CAN be quick and painless with our new dynamic...Jisc
 
THEORIES OF ORGANIZATION-PUBLIC ADMINISTRATION
THEORIES OF ORGANIZATION-PUBLIC ADMINISTRATIONTHEORIES OF ORGANIZATION-PUBLIC ADMINISTRATION
THEORIES OF ORGANIZATION-PUBLIC ADMINISTRATIONHumphrey A Beña
 

Último (20)

FINALS_OF_LEFT_ON_C'N_EL_DORADO_2024.pptx
FINALS_OF_LEFT_ON_C'N_EL_DORADO_2024.pptxFINALS_OF_LEFT_ON_C'N_EL_DORADO_2024.pptx
FINALS_OF_LEFT_ON_C'N_EL_DORADO_2024.pptx
 
call girls in Kamla Market (DELHI) 🔝 >༒9953330565🔝 genuine Escort Service 🔝✔️✔️
call girls in Kamla Market (DELHI) 🔝 >༒9953330565🔝 genuine Escort Service 🔝✔️✔️call girls in Kamla Market (DELHI) 🔝 >༒9953330565🔝 genuine Escort Service 🔝✔️✔️
call girls in Kamla Market (DELHI) 🔝 >༒9953330565🔝 genuine Escort Service 🔝✔️✔️
 
Transaction Management in Database Management System
Transaction Management in Database Management SystemTransaction Management in Database Management System
Transaction Management in Database Management System
 
Science 7 Quarter 4 Module 2: Natural Resources.pptx
Science 7 Quarter 4 Module 2: Natural Resources.pptxScience 7 Quarter 4 Module 2: Natural Resources.pptx
Science 7 Quarter 4 Module 2: Natural Resources.pptx
 
FILIPINO PSYCHology sikolohiyang pilipino
FILIPINO PSYCHology sikolohiyang pilipinoFILIPINO PSYCHology sikolohiyang pilipino
FILIPINO PSYCHology sikolohiyang pilipino
 
Student Profile Sample - We help schools to connect the data they have, with ...
Student Profile Sample - We help schools to connect the data they have, with ...Student Profile Sample - We help schools to connect the data they have, with ...
Student Profile Sample - We help schools to connect the data they have, with ...
 
Barangay Council for the Protection of Children (BCPC) Orientation.pptx
Barangay Council for the Protection of Children (BCPC) Orientation.pptxBarangay Council for the Protection of Children (BCPC) Orientation.pptx
Barangay Council for the Protection of Children (BCPC) Orientation.pptx
 
Visit to a blind student's school🧑‍🦯🧑‍🦯(community medicine)
Visit to a blind student's school🧑‍🦯🧑‍🦯(community medicine)Visit to a blind student's school🧑‍🦯🧑‍🦯(community medicine)
Visit to a blind student's school🧑‍🦯🧑‍🦯(community medicine)
 
ACC 2024 Chronicles. Cardiology. Exam.pdf
ACC 2024 Chronicles. Cardiology. Exam.pdfACC 2024 Chronicles. Cardiology. Exam.pdf
ACC 2024 Chronicles. Cardiology. Exam.pdf
 
Judging the Relevance and worth of ideas part 2.pptx
Judging the Relevance and worth of ideas part 2.pptxJudging the Relevance and worth of ideas part 2.pptx
Judging the Relevance and worth of ideas part 2.pptx
 
AUDIENCE THEORY -CULTIVATION THEORY - GERBNER.pptx
AUDIENCE THEORY -CULTIVATION THEORY - GERBNER.pptxAUDIENCE THEORY -CULTIVATION THEORY - GERBNER.pptx
AUDIENCE THEORY -CULTIVATION THEORY - GERBNER.pptx
 
ISYU TUNGKOL SA SEKSWLADIDA (ISSUE ABOUT SEXUALITY
ISYU TUNGKOL SA SEKSWLADIDA (ISSUE ABOUT SEXUALITYISYU TUNGKOL SA SEKSWLADIDA (ISSUE ABOUT SEXUALITY
ISYU TUNGKOL SA SEKSWLADIDA (ISSUE ABOUT SEXUALITY
 
Choosing the Right CBSE School A Comprehensive Guide for Parents
Choosing the Right CBSE School A Comprehensive Guide for ParentsChoosing the Right CBSE School A Comprehensive Guide for Parents
Choosing the Right CBSE School A Comprehensive Guide for Parents
 
Grade 9 Quarter 4 Dll Grade 9 Quarter 4 DLL.pdf
Grade 9 Quarter 4 Dll Grade 9 Quarter 4 DLL.pdfGrade 9 Quarter 4 Dll Grade 9 Quarter 4 DLL.pdf
Grade 9 Quarter 4 Dll Grade 9 Quarter 4 DLL.pdf
 
HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...
HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...
HỌC TỐT TIẾNG ANH 11 THEO CHƯƠNG TRÌNH GLOBAL SUCCESS ĐÁP ÁN CHI TIẾT - CẢ NĂ...
 
Like-prefer-love -hate+verb+ing & silent letters & citizenship text.pdf
Like-prefer-love -hate+verb+ing & silent letters & citizenship text.pdfLike-prefer-love -hate+verb+ing & silent letters & citizenship text.pdf
Like-prefer-love -hate+verb+ing & silent letters & citizenship text.pdf
 
YOUVE GOT EMAIL_FINALS_EL_DORADO_2024.pptx
YOUVE GOT EMAIL_FINALS_EL_DORADO_2024.pptxYOUVE GOT EMAIL_FINALS_EL_DORADO_2024.pptx
YOUVE GOT EMAIL_FINALS_EL_DORADO_2024.pptx
 
YOUVE_GOT_EMAIL_PRELIMS_EL_DORADO_2024.pptx
YOUVE_GOT_EMAIL_PRELIMS_EL_DORADO_2024.pptxYOUVE_GOT_EMAIL_PRELIMS_EL_DORADO_2024.pptx
YOUVE_GOT_EMAIL_PRELIMS_EL_DORADO_2024.pptx
 
Procuring digital preservation CAN be quick and painless with our new dynamic...
Procuring digital preservation CAN be quick and painless with our new dynamic...Procuring digital preservation CAN be quick and painless with our new dynamic...
Procuring digital preservation CAN be quick and painless with our new dynamic...
 
THEORIES OF ORGANIZATION-PUBLIC ADMINISTRATION
THEORIES OF ORGANIZATION-PUBLIC ADMINISTRATIONTHEORIES OF ORGANIZATION-PUBLIC ADMINISTRATION
THEORIES OF ORGANIZATION-PUBLIC ADMINISTRATION
 

Joint life policy

  • 1. MeraSkill.com Online preparation for CA CPT,CS & CMA Foundation exam Joint Life Policy MeraSkill.com Online preparation for CA CPT,CS & CMA Foundation exam
  • 2. MeraSkill.com Online preparation for CA CPT,CS & CMA Foundation exam Life Policies
  • 3. MeraSkill.com Online preparation for CA CPT,CS & CMA Foundation exam Joint Life Policy Single Life Policy Objective Premium, Surrender value, Maturity Accounting Treatment - 3 methods Life Policy
  • 4. MeraSkill.com Online preparation for CA CPT,CS & CMA Foundation exam Watch Full Video course & take quiz visit https://www.meraskill.com https://meraskill.com/ca-cpt/cpt-notes https://meraskill.com/ca-cpt/cpt-exam http://www.meraskill.com/cpt-question-paper https://meraskill.com/ca-cpt/cpt-syllabus https://www.meraskill.com/fridayrelease MeraSkill.com Online preparation for CA CPT,CS & CMA Foundation exam

Notas del editor

  1. Explain a life policy , explain a JLP, premium an annual expense, explain surrender value