保险学原理chapter7.pptx
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保险学原理chapter7.pptx
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SupplementaryBenefits,ChapterOutline,SupplementaryDisabilityBenefitsAccidentBenefitsAcceleratedDeathBenefitsBenefitsforAdditionalInsuredsInsurabilityBenefits,SupplementaryDisabilityBenefits,WaiverofPremiumforDisabilityBenefitsWaiverofpremiumforpayorBenefitsDisabilityincomebenefits,WaiverofPremiumforDisabilityBenefits,Theinsurerpromisestogiveupitsrighttocollectrenewalpremiumsthatbecomeduewhiletheinsuredistotallydisabled.WhatisTotalDisability?
Theinsuredsinabilitytoperformtheessentialactsofherownoccupationoranyotheroccupationforwhichsheisreasonablysuitedbyeducation,training,orexperience.,WaiverofPremiumforDisabilityBenefits,Ifthepolicyistheonethatbuildscashvalue,thecashvaluewillcontinuetoincreasejustasifthepolicyownerpaidthepremium.Inthecaseofaparticipatingpolicy,theinsurancecompanycontinuestopaypolicydividendsasifthepolicyownerwerepayingpremiums.,WaiverofPremiumforDisabilityBenefits,Somelimitscontain3-6monthswaitingperiods.Beavailabletocoveronlydisabilitiesthatbeginduringaspecifiedagespan.Theintervalatwhichpremiumpaymentsareduecannotbechanged.Excludesomerisksfromriderscoverage,WaiverofPremiumforPayorBenefit,Isdesignedforthird-partypolicies,suchasjuvenileinsurancepolicies.Ajuvenileinsurancepolicyisapolicythatisissuedonthelifeofachildbutisownedandpaidforbyanadult,usuallythechildsparentsorlegalguardian.,WaiverofPremiumforPayorBenefit,Definitiontheinsurancecompanywaiveitsrighttocollectapolicysrenewalpremiumsifthepolicyowner-thepersonresponsibleforpayingpremiums-diesortobecomestotallydisabled.,DisabilityIncomeBenefit,Providesamonthlyincomebenefittothepolicyowner-insuredifshebecomestotallydisabledwhilethepolicyisinforce.Themonthlyincomebenefitisastatedamount.,DisabilityIncomeBenefit,ExamplePaxtonHaymeswasthepolicyowner-insuredofa$150,000lifeinsurancepolicythatincludedadisabilityincomebenefitrider.Theriderstatedthat,ifPaxtonbecometotallydisabled,thentheinsurancecompanywoldpayhimamonthlybenefitof$10per$1000oflifeinsurancecoverageduringtheperiodofdisability;theincomebenefitwouldbeginthreemonthsaftertheonsetofadisability.whilethepolicywasinforce,Paxtonbecamedisabledasdefinedinthedissabilityincomebenefitrider.Twoyearslater,hediedasaresultofhisdisability.,DisabilityIncomeBenefit,Analysisthreemonthsafterhebecamedisabled,Paxtonbecameeligibletoreceiveadissabilityincomebenefitof1500permonth.uponPaxtondeath,thepolicysdeathbenefitbecamepayabletothenamedbeneficiary.,AccidentBenefits,AccidentalDeathBenefitDismembermentBenefit,AccidentalDeathBenefits,Iftheinsureddiesasaresultofanaccident,theinsurancecompanywillpaythenamedbeneficiaryanamountofmoneyinadditiontothebasicdeathbenefitprovidedbythelifeinsurancepolicy.Thisadditionalsumisoftenequaltothepolicysfaceamount.Exclusionsandsomelimitations:
DismembermentBenefit,Theinsurerwillpayastatedbenefitamountifanaccidentcausestheinsuredtolosetwolimbsorsightinbotheyes.,AcceleratedDeathBenefits,Providethatapolicyownermayelecttoreceiveallorpartofthepolicysdeathbenefitbeforetheinsuredsdeathifcertainconditionaremet.TerminalillnessbenefitDreadDiseaseBenefitlong-termcarebenefit,Terminalillnessbenefit,Isabenefitunderwhichtheinsurerpayaportionofthepolicysdeathbenefittoapolicyowneriftheinsuredsuffersfromaterminalillnessandhasaphysician-certifiedlifeexpectancyof12monthsorless.,Dreaddiseasebenefit,Theinsureagreestopayaportionofthepolicysfaceamounttoapolicyowneriftheinsuredsuffersfromoneofanumberofspecifieddiseases.,Long-termbenefit,Ispayableasamonthlybenefittoapolicyowneriftheinsuredrequiresconstantcareamedicalcondition.,Benefitsforadditionalinsureds,SpouseandChildrensinsuranceriderchildrensinsuranceridersecondinsuredrider,Insurabilitybenefits,Guaranteedinsurabilitybenefitpaid-upadditionsoptionbenefit,
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