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[lmi-commits] [lmi] master ff945a0 2/2: Prefer {{ContractName}} to gener
|
From: |
Greg Chicares |
|
Subject: |
[lmi-commits] [lmi] master ff945a0 2/2: Prefer {{ContractName}} to generic terms |
|
Date: |
Wed, 19 Jun 2019 16:55:40 -0400 (EDT) |
branch: master
commit ff945a0e1cd02ba7f5291c7db9a16ff811be1b3c
Author: Gregory W. Chicares <address@hidden>
Commit: Gregory W. Chicares <address@hidden>
Prefer {{ContractName}} to generic terms
Replaced generic terms such as 'contract' with product-specific terms
provided as {{ContractName}} and its capitalized {{ContractNameCap}}
variant. This commit addresses such usage in 'ill_reg*.mst' only.
---
ill_reg_header.mst | 2 +-
ill_reg_narr_summary.mst | 26 +++++++++++++-------------
ill_reg_narr_summary2.mst | 44 +++++++++++++++++++++-----------------------
ill_reg_numeric_summary.mst | 26 +++++++++++++-------------
4 files changed, 48 insertions(+), 50 deletions(-)
diff --git a/ill_reg_header.mst b/ill_reg_header.mst
index 051c8e5..c055dd8 100644
--- a/ill_reg_header.mst
+++ b/ill_reg_header.mst
@@ -49,7 +49,7 @@
Insured:
{{Insured1Abbrev50}}<br>
Age:
{{Age}}<br>
{{/Composite}}
- Product: {{PolicyForm}} {{PolicyMktgName}}<br>
+ {{ContractNameCap}}: {{PolicyForm}} {{PolicyMktgName}}<br>
{{#ModifiedSinglePremium}}
Modified Single Premium Adjustable Life Insurance Policy<br>
{{/ModifiedSinglePremium}}
diff --git a/ill_reg_narr_summary.mst b/ill_reg_narr_summary.mst
index 88f0e44..01fb79c 100644
--- a/ill_reg_narr_summary.mst
+++ b/ill_reg_narr_summary.mst
@@ -46,7 +46,7 @@ Even more surprisingly, 'AllowExperienceRating' has the same
effect.
{{PolicyMktgName}} is a
{{#AllowExperienceRating}}group{{/AllowExperienceRating}}
{{#GroupCarveout}}group{{/GroupCarveout}}
- flexible premium adjustable life insurance contract.
+ flexible premium adjustable life insurance {{ContractName}}.
{{#AllowExperienceRating}}
It is a no-load policy and is intended for large case sales.
It is primarily marketed to financial institutions
@@ -59,12 +59,12 @@ Even more surprisingly, 'AllowExperienceRating' has the
same effect.
{{#ModifiedSinglePremiumOrModifiedSinglePremium0}}
{{PolicyMktgName}}
is a modified single premium adjustable life
- insurance contract. It features accumulating
+ insurance {{ContractName}}. It features accumulating
account values, adjustable benefits, and single premium.
{{/ModifiedSinglePremiumOrModifiedSinglePremium0}}
{{^ModifiedSinglePremiumOrModifiedSinglePremium0}}
{{PolicyMktgName}}
- is a single premium adjustable life insurance contract.
+ is a single premium adjustable life insurance {{ContractName}}.
It features accumulating account values,
adjustable benefits, and single premium.
{{/ModifiedSinglePremiumOrModifiedSinglePremium0}}
@@ -89,16 +89,16 @@ Even more surprisingly, 'AllowExperienceRating' has the
same effect.
<p>
{{^SinglePremium}}
Premiums are assumed to be paid on {{ErModeLCWithArticle}}
- basis and received at the beginning of the contract year.
+ basis and received at the beginning of the {{ContractName}} year.
{{/SinglePremium}}
{{#SinglePremium}}
The single premium is assumed to be paid at the beginning
- of the contract year.
+ of the {{ContractName}} year.
{{/SinglePremium}}
{{AvName}} Values, {{CsvName}} Values,
and death benefits are illustrated as of the end
-of the contract year. The method we use to allocate
+of the {{ContractName}} year. The method we use to allocate
overhead expenses is the fully allocated expense method.
</p>
@@ -116,7 +116,7 @@ overhead expenses is the fully allocated expense method.
and the guaranteed interest crediting rate.
{{#DefnLifeInsIsGPT}}
This premium may be in excess of the maximum premium allowable
- in order to qualify this policy as life insurance.
+ in order to qualify this {{ContractName}} as life insurance.
{{/DefnLifeInsIsGPT}}
</p>
{{/SinglePremium}}
@@ -132,13 +132,13 @@ a spread, guaranteed not to exceed
{{MaxAnnGuarLoanSpread}}.
The term rider provides the option to purchase monthly
term insurance on the life of the insured. The term rider
selected face amount supplements the selected face amount
- of the contract. If the term rider is attached, the policy
+ of the {{ContractName}}. If the term rider is attached, the
{{ContractName}}
to which it is attached may have a lower annual cutoff premium
and, as a result, the lower overall sales loads paid may be
- lower than a contract having the same total face amount,
+ lower than a {{ContractName}} having the same total face amount,
but with no term rider.
{{#NoLapse}}
- Also, the lapse protection feature of the contract's
+ Also, the lapse protection feature of the {{ContractName}}'s
{{NoLapseProvisionName}}
does not apply to the term rider's selected face amount.
{{/NoLapse}}
@@ -152,7 +152,7 @@ a spread, guaranteed not to exceed {{MaxAnnGuarLoanSpread}}.
of the insured that begins before attained age 65
and continues for at least 6 months, as described in the rider.
An additional charge is associated with this rider. Please refer
- to your contract for specific provisions and a detailed schedule
+ to your {{ContractName}} for specific provisions and a detailed schedule
of charges.
</p>
{{/HasWP}}
@@ -161,13 +161,13 @@ a spread, guaranteed not to exceed
{{MaxAnnGuarLoanSpread}}.
<p>
The Accidental Death benefit provides an additional benefit
if death is due to accident. An additional charge is associated
- with this rider. Please refer to your contract
+ with this rider. Please refer to your {{ContractName}}
for specific provisions and a detailed schedule of charges.
</p>
{{/HasADD}}
<p>
-The definition of life insurance for this contract is the
+The definition of life insurance for this {{ContractName}} is the
{{#DefnLifeInsIsGPT}}
guideline premium test. The guideline single premium
is ${{InitGSP}}
diff --git a/ill_reg_narr_summary2.mst b/ill_reg_narr_summary2.mst
index b8681bf..b6852f4 100644
--- a/ill_reg_narr_summary2.mst
+++ b/ill_reg_narr_summary2.mst
@@ -34,24 +34,24 @@
<p>
Sales Load Refund: We will refund a portion of the sales load
to you, as part of your {{CsvName}}
- Value, if you surrender your contract within the first two
- policy years. In policy year 1, we will refund
+ Value, if you surrender your {{ContractName}} within the first two
+ {{ContractName}} years. In {{ContractName}} year 1, we will refund
{{SalesLoadRefundRate0}}
- of the first contract year sales load collected
- and in contract year 2, we will refund
+ of the first {{ContractName}} year sales load collected
+ and in {{ContractName}} year 2, we will refund
{{SalesLoadRefundRate1}}
- of the first contract year sales load collected.
+ of the first {{ContractName}} year sales load collected.
</p>
{{/SalesLoadRefundAvailable}}
{{#NoLapse}}
<p>
{{NoLapseProvisionName}}:
- The contract will remain in force after the first premium
+ The {{ContractName}} will remain in force after the first premium
has been paid, even if there is insufficient
{{AvName}} Value
to cover the monthly charges provided that the insured
- is not in a substandard rating class and the policy debt
+ is not in a substandard rating class and the {{ContractName}} debt
does not exceed {{AvName}} Value.
</p>
{{/NoLapse}}
@@ -129,8 +129,8 @@ in the Tabular Detail.
{{#AllowExperienceRating}}
<p>
We may assess a Market Value Adjustment upon a surrender
- of the certificate when the surrender proceeds are intended
- to be applied to an insurance policy issued by an insurer
+ of the {{ContractName}} when the surrender proceeds are intended
+ to be applied to an insurance {{ContractName}} issued by an insurer
unaffiliated with
{{InsCoShortName}}
with an intent to qualify the exchange as a tax free exchange
@@ -145,7 +145,7 @@ in the Tabular Detail.
<p>
The guaranteed values reflect the maximum charges permitted
- by the contract, which may include an Experience Rating
+ by the {{ContractName}}, which may include an Experience Rating
Risk Charge.
</p>
@@ -160,7 +160,7 @@ in the Tabular Detail.
{{#Has1035ExchCharge}}
<p>
{{^SinglePremium}}
- Upon surrender of this policy, where the surrender
+ Upon surrender of this {{ContractName}}, where the surrender
proceeds are intended to be applied to an insurance policy
or certificate issued in conjunction with an intent
to qualify the exchange as a tax free exchange
@@ -173,11 +173,11 @@ in the Tabular Detail.
will be the Percentage of Premium Charge only.
The Exchange Charge will potentially reduce
the surrender proceeds, but will never increase
- the surrender proceeds. Please refer to your policy
+ the surrender proceeds. Please refer to your {{ContractName}}
for details.
{{/SinglePremium}}
{{#SinglePremium}}
- Upon surrender of this policy, where the surrender proceeds
+ Upon surrender of this {{ContractName}}, where the surrender proceeds
are intended to be applied to an insurance policy
or certificate issued in conjunction with an intent
to qualify the exchange as a tax free exchange
@@ -185,7 +185,7 @@ in the Tabular Detail.
Exchange), we may assess an Exchange Charge. The Exchange
Charge will potentially reduce the surrender proceeds,
but will never increase the surrender proceeds.
- Please refer to your policy for details.
+ Please refer to your {{ContractName}} for details.
{{/SinglePremium}}
</p>
{{/Has1035ExchCharge}}
@@ -196,7 +196,7 @@ in the Tabular Detail.
rider provides term life insurance on the spouse
(issue age {{SpouseIssueAge}})
for a limited duration, for an extra charge.
- Please refer to your contract for specific provisions
+ Please refer to your {{ContractName}} for specific provisions
and a detailed schedule of charges.
</p>
{{/HasSpouseRider}}
@@ -206,7 +206,7 @@ in the Tabular Detail.
The ${{ChildRiderAmount}} Child
rider provides term life insurance on the insured's children
for a limited duration, for an extra charge. Please refer
- to your contract for specific provisions
+ to your {{ContractName}} for specific provisions
and a detailed schedule of charges.
</p>
{{/HasChildRider}}
@@ -227,7 +227,7 @@ in the Tabular Detail.
<!-- This is not appropriate for composites. -->
<p>
-As illustrated, this contract
+As illustrated, this {{ContractName}}
{{#IsMec}}
becomes
{{/IsMec}}
@@ -241,7 +241,7 @@ a Modified Endowment Contract (MEC)
{{^IsMec}}
under the Internal Revenue Code.
{{/IsMec}}
-To the extent of gain in the contract, loans, distributions
+To the extent of gain in the {{ContractName}}, loans, distributions
and withdrawals from a MEC are subject to income tax
and may also trigger a penalty tax.
</p>
@@ -257,12 +257,10 @@ and may also trigger a penalty tax.
<p>
<b>
The information contained in this illustration is not written
-or intended as tax or legal advice, and may not be relied upon
-for purposes of avoiding any federal tax penalties.
-Neither {{InsCoShortName}} nor any
-of its employees or representatives are authorized to give tax
+or intended as tax or legal advice. Neither {{InsCoShortName}} its
+subsidiaries, employees or representatives are authorized to give tax
or legal advice. For more information pertaining
-to the tax consequences of purchasing or owning this policy,
+to the tax consequences of purchasing or owning this {{ContractName}},
consult with your own independent tax or legal counsel.
</b>
</p>
diff --git a/ill_reg_numeric_summary.mst b/ill_reg_numeric_summary.mst
index 6fc3913..e5b143a 100644
--- a/ill_reg_numeric_summary.mst
+++ b/ill_reg_numeric_summary.mst
@@ -44,7 +44,7 @@ keeping the center alignment of the last "p" tag above.
{{#Composite}}
<p>
- The year of policy lapse on a guaranteed, midpoint
+ The year of {{ContractName}} lapse on a guaranteed, midpoint
and current basis is not depicted in the above table of values
for this composite illustration because it is not applicable
on a case basis.
@@ -56,7 +56,7 @@ keeping the center alignment of the last "p" tag above.
<p>
Additional premium will be required
in year {{LapseYear_Guar_Plus1}}
- or contract will lapse based on guaranteed monthly charges
+ or {{ContractName}} will lapse based on guaranteed monthly charges
and interest rate.
</p>
{{/LapseYear_Guar_LT_MaxDur}}
@@ -65,7 +65,7 @@ keeping the center alignment of the last "p" tag above.
<p>
Additional premium will be required
in year {{LapseYear_Mdpt_Plus1}}
- or contract will lapse based on midpoint monthly charges
+ or {{ContractName}} will lapse based on midpoint monthly charges
and interest rate.
</p>
{{/LapseYear_Mdpt_LT_MaxDur}}
@@ -74,7 +74,7 @@ keeping the center alignment of the last "p" tag above.
<p>
Additional premium will be required
in year {{LapseYear_Curr_Plus1}}
- or contract will lapse based on current monthly charges
+ or {{ContractName}} will lapse based on current monthly charges
and interest rate.
</p>
{{/LapseYear_Curr_LT_MaxDur}}
@@ -92,7 +92,7 @@ keeping the center alignment of the last "p" tag above.
<p align="center">Certification Statements</p>
<p>
- CONTRACT OWNER / APPLICANT
+ {{ContractNameCap}} Owner / Applicant
</p>
{{#HasInterestDisclaimer}}
<p>
@@ -112,7 +112,7 @@ keeping the center alignment of the last "p" tag above.
{{/StateIsIllinois}}
{{#StateIsTexas}}
A copy of this illustration has been provided
- to the Applicant/Policyowner.
+ to the Applicant/{{ContractNameCap}}owner.
{{/StateIsTexas}}
{{/StateIsIllinoisOrTexas}}
{{^StateIsIllinoisOrTexas}}
@@ -139,25 +139,25 @@ keeping the center alignment of the last "p" tag above.
</tr>
<tr>
<td>
- CONTRACT OWNER OR APPLICANT SIGNATURE
+ {{ContractNameCap}} Owner or Applicant Signature
</td>
<td>
{{Space32}}
</td>
<td>
- DATE
+ Date
</td>
</tr>
</table>
<br>
<br>
<p>
- AGENT / AUTHORIZED REPRESENTATIVE
+ Agent / Authorized Representative
</p>
<p>
{{#StateIsIllinoisOrTexas}}
{{#StateIsIllinois}}
- I have informed the applicant or policyowner
+ I have informed the applicant or {{ContractName}}owner
that this illustration assumes that the currently illustrated
non-guaranteed elements will continue unchanged
for all years shown. This is not likely to occur,
@@ -165,7 +165,7 @@ keeping the center alignment of the last "p" tag above.
{{/StateIsIllinois}}
{{#StateIsTexas}}
A copy of this illustration has been provided
- to the Applicant/Policyowner.
+ to the Applicant/{{ContractNameCap}}owner.
{{/StateIsTexas}}
{{/StateIsIllinoisOrTexas}}
{{^StateIsIllinoisOrTexas}}
@@ -192,13 +192,13 @@ keeping the center alignment of the last "p" tag above.
</tr>
<tr>
<td>
- AGENT OR AUTHORIZED REPRESENTATIVE
+ Agent or Authorized Representative
</td>
<td>
{{Space32}}
</td>
<td>
- DATE
+ Date
</td>
</tr>
</table>