Lapse by Design Insurance, Incentives, and the System That Outlasts the Insured: Volume 2: The System Does Not Fail Randomly - It Follows Structural P

By Nancy Salloum

The system is not fully understood at the beginning.

It becomes clear over time.

After decades of commitment, many policyholders reach a critical point:
Premiums increase.
Affordability changes.
Policies become difficult to maintain.

Volume 2 examines the long-term outcomes of insurance participation-focusing on what becomes visible after 20, 30, or 40 years.

This book explores:
- Why premiums increase over time
- How affordability changes at retirement
- Why some policies do not remain in force
- The impact of policy loans and compounding interest on policy value
- The gap between expectation at entry and outcomes over time

These developments are not experienced as isolated events.
They emerge gradually through the structure of long-term participation.

This is not a rejection of insurance.

It is an examination of how systems operate over time-and what becomes visible when long-term structure meets real-life conditions.

Drawing on decades of direct experience, this volume brings clarity to outcomes that many only recognize late in the process.

• Format: Paperback
• Language: English
• ISBN: B0GVFR3N4C
• ISBN13: 9798254244905
• Release Date: March 2026
• Publisher: Independently Published
• Length: 234 Pages
• Weight: 0.70 lbs.
• Dimensions: 0.5" x 6.0" x 9.0"