If an employee pays the disability policy premiums with personal funds, the disability benefits are exempt from Federal income tax.

Instead, they pay as much as half of the policy premium for reinsurance to foreign companies to cover claims.

What's more, many insurers and industry analysts predict efforts will begin to shove up policy premiums.

The cost of a policy premium is a small price to pay for peace of mind.

Sometimes, the lawyer and another executive told the investigators, agents falsely promised that policy premiums would eventually vanish.

Richardson pegs the policy premium at around $5 million.

Some insurers said they were wary about being overwhelmed by customers who might need more benefits than the policy premiums would cover.

What I mean is, even a guy dying in the hospital can get a policy forsome premium.

(This income can exceed policy premiums and still be taken 100% tax-free.)

This factor is then multiplied by the policy premium to arrive at the return premium.