保險學(xué)原理簡要概述英文版

SupplementaryBenefitsChapterOutlineSupplementaryDisabilityBenefitsAccidentBenefitsAcceleratedDeathBenefitsBenefitsforAdditionalInsuredsInsurabilityBenefitsSupplementaryDisabilityBenefitsWaiverofPremiumforDisabilityBenefitsWaiverofpremiumforpayorBenefitsDisabilityincomebenefitsWaiverofPremiumforDisabilityBenefitsTheinsurerpromisestogiveupitsrighttocollectrenewalpremiumsthatbecomeduewhiletheinsuredistotallydisabled.WhatisTotalDisability?

Theinsured’sinabilitytoperformtheessentialactsofherownoccupationoranyotheroccupationforwhichsheisreasonablysuitedbyeducation,training,orexperience.WaiverofPremiumforDisabilityBenefitsIfthepolicyistheonethatbuildscashvalue,thecashvaluewillcontinuetoincreasejustasifthepolicyownerpaidthepremium.Inthecaseofaparticipatingpolicy,theinsurancecompanycontinuestopaypolicydividendsasifthepolicyownerwerepayingpremiums.WaiverofPremiumforDisabilityBenefitsSomelimits

contain3-6monthswaitingperiods.

Beavailabletocoveronlydisabilitiesthatbeginduringaspecifiedagespan.

Theintervalatwhichpremiumpaymentsareduecannotbechanged.

Excludesomerisksfromrider’scoverageWaiverofPremiumforPayorBenefitIsdesignedforthird-partypolicies,suchasjuvenileinsurancepolicies.Ajuvenileinsurancepolicyisapolicythatisissuedonthelifeofachildbutisownedandpaidforbyanadult,usuallythechild’sparentsorlegalguardian.WaiverofPremiumforPayorBenefitDefinition

theinsurancecompanywaiveitsrighttocollectapolicy’srenewalpremiumsifthepolicyowner-thepersonresponsibleforpayingpremiums-diesortobecomestotallydisabled.

DisabilityIncomeBenefitProvidesamonthlyincomebenefittothepolicyowner-insuredifshebecomestotallydisabledwhilethepolicyisinforce.Themonthlyincomebenefitisastatedamount.DisabilityIncomeBenefitExample

PaxtonHaymeswasthepolicyowner-insuredofa$150,000lifeinsurancepolicythatincludedadisabilityincomebenefitrider.Theriderstatedthat,ifPaxtonbecometotallydisabled,thentheinsurancecompanywoldpayhimamonthlybenefitof$10per$1000oflifeinsurancecoverageduringtheperiodofdisability;theincomebenefitwouldbeginthreemonthsaftertheonsetofadisability.whilethepolicywasinforce,Paxtonbecamedisabledasdefinedinthedissabilityincomebenefitrider.Twoyearslater,hediedasaresultofhisdisability.DisabilityIncomeBenefitAnalysisthreemonthsafterhebecamedisabled,Paxtonbecameeligibletoreceiveadissabilityincomebenefitof1500permonth.uponPaxtondeath,thepolicy’sdeathbenefitbecamepayabletothenamedbeneficiary.AccidentBenefitsAccidentalDeathBenefitDismembermentBenefitAccidentalDeathBenefitsIftheinsureddiesasaresultofanaccident,theinsurancecompanywillpaythenamedbeneficiaryanamountofmoneyinadditiontothebasicdeathbenefitprovidedbythelifeinsurancepolicy.Thisadditionalsumisoftenequaltothepolicy’’sfaceamount.Exclusionsandsomelimitations:DismembermentBenefitTheinsurerwillpayastatedbenefitamountifanaccidentcausestheinsuredtolosetwolimbsorsightinbotheyes.AcceleratedDeathBenefitsProvidethatapolicyownermayelecttoreceiveallorpartofthepolicy’’sdeathbenefitbeforetheinsured’sdeathifcertainconditionaremet.TerminalillnessbenefitDreadDiseaseBenefitlong-termcarebenefitTerminalillnessbenefitIsabenefitunderwhichtheinsurerpayaportionofthepolicy’’sdeathbenefittoapolicyowneriftheinsuredsuffersfromaterminalillnessandhasaphysician-certifiedlifeexpectancyof12monthsorless.DreaddiseasebenefitTheinsureagreestopayaportionofthepolicy’’sfaceamounttoapolicyowneriftheinsuredsuffersfromoneofanumberofspecifieddiseases.Long-termbenefitIspayableasamonthlybenefittoapolicyowneriftheinsuredrequiresconstantcareamedicalcondition.BenefitsforadditionalinsuredsSpouseandChildren’sinsuranceriderchildren’’sinsuranceridersecondinsuredriderInsurabilitybenef