Question: Need to write a research paper on "Life insurance policies have hidden charges, which are harming the policyholders."

The main three issues are as under:Provide three solutions to each issue and out of these three solutions select one which you feel is more suitable to solve the issue. DO IT FOR ALL THE THREE ISSUES.

Issue 1: Mortality charges - Mortality charges are the charges, which are been, charged every year to cover the insurance.

Issue 2: Fund management charges-Fund management charges are the charges, which are been, charged monthly on the total pool of money from same kind of policies.

Issue 3: Surrender Charges-Surrender charges are the charges, which are been, charged if someone surrenders the policy in the surrender period.

Points to be covered in the paper are as under:

No abstract required for the paper.

1. Primary Issue: It needs to be clearly defined. Must be topical or historically significant and directly relevant to the financial system. (Minimum 1 and half page)

2. Key points(which I provided on top): Identify three key points about the problem from different stakeholder views and embeds financial analysis in the narrative. (Minimum3-4 page)

3. Solution Options: Generate at least three potential solutions options. Include a description of the cost/benefits/implications/dependencies/timeline/etc. of each. (Minimum 3-4 page)

4. Evaluation and Analysis: Financially analyze and evaluate solution options with appropriate decision criteria. (Minimum 2-3 pages)

5. Quantitative Comparison: Effective utilization of relevant quantitative model (Financial compare the options to each other). (Minimum 1 and half page)

6. Selection of chosen solution option: Select one solution option as the chosen solution and develops action/implementation plan. (Minimum 2-3 pages)

Minimum pages required is 12 not including the title and reference page.