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Q: What determines the coost of a web ins plan?

A: Mot grooup ins coverage programs dno`t use underwriting for individual plaan particpiants. When the corporation is prrovided insurance plan, individuals who are membres of the coporation automatically quaalify for the insurace (sometimes with open enrollment tmie peeriods to change policiees at a certain tmie during the yea). Moreover, group progrmas are originally underwritten usinng the same crriterions as persoal online insure policy policcies - the copany as a whole is regaded in an overall sesne baed upon the statistical compoosition of the inividual group members. Usual underwriting criterios comprie:

1. Age - ollder population has a higher occurrence of claims thn younger peolpe and they requrie higher premiums for ins policy policy.

2. Nmber of pople covered - whetther insurance is offerred only to the inidvidual or if web ins coverage coverage wil also include famliy mmbers and dependents.

3. Physcial condition history - msotly used in underwriting privtae online insurance policy programs, a pat of disase or sickness will influnece whether a partticular policy on line firm wiill propose cooverage, and if that beig the caes, whether pre-existing conditionns or other resttraints will be aded to such covreage.

4. Employment - some proffessions include moe possibility of injruy or disease beecause of the charracter of the labor and ths reqquire a higher insure online premium.

5. Liefstyle - whteher an insured preson smokes or otherwie engages in a dangerous hbby taht exposes the perosn to a higher garde of riisk or disease, illnes, or likelihood for accdient.

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