How Are Life Insurance Premiums Calculated? 
Life insurance is a complex , sometimes convoluted calculation , especially depending on the product line . Participating whole life insurance is a bundled product that has never been unpacked to the satisfaction of those who perform product due diligence . Term and universal life are more forth coming and have determents that can be identified like the mortality charges , admin costs , policy fees and the crediting ratewhether interest , indices or separate subaccounts . 