state sim puzzle

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Across
  1. 3. intentionally lying to gain something of value
  2. 7. time during which premiums grow
  3. 8. mislead policyholder to surrender existing pol
  4. 9. time after due date before lapse
  5. 12. the gift that keeps on giving if beneficiary dies their kids receive portion
  6. 13. review policy for full premium refund
  7. 14. a risk that occurs while at the job.
  8. 17. responsible for annuity premium payments
  9. 18. this is considered a legal contract. Meant to give risk to the company for a premium
  10. 19. iss cov to too many pre exist cond
Down
  1. 1. payments do decrease face value
  2. 2. shown as 90 180 or 1 year benes start
  3. 4. termlife no interest is credited
  4. 5. maybe extra premium if included. Waives premium during times of disability
  5. 6. at work risk vary among insurers.
  6. 10. tax benefits in back end of retirement plan
  7. 11. cert of authority in state where will do biz
  8. 15. unplanned negative financial impact
  9. 16. percentage of charges insured will pay