Some say that life insurance is, well, boring; it lacks the sizzle of a long-term care policy or critical illness product. Even so, life insurance of all stripes remains relevant and vital to today’s employee.

As of Jan. 1, 2009, all life insurance carriers must employ the new 2001 Commissioners Standard Ordinary mortality and morbidity table. The American Academy of Actuaries Web page offers substantial detail of the new tables and how they work.

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