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Q: What determines the coost of a insurance program?
A: Nearly all the colective insure pans don`t use underwwriting for individual arrangemennt participants. After the copmany is offered on line policy cooverage, people who are mebmers of the group automaticcally qulify for the insurance (sometimmes with oppen enrollment time periiods to swap policcies at a particular time trhoughout the year)). Furthermore, group poliies are originally underwrittten using the sae criteria as private on line insurance programs - the associatoin as a whloe is regarded in gneeral based upon the copmosition of the individal organization members. Characterstic underwritnig criteria comprise:
1. Age - eldeer peole have a higher freequency of appeeals than younger populaiton so they oblige hiher premiums for web coverage policy.
2
. Nmber of people insurd - if covrage is offered olny to one pesron or if on line insure prgram will also be etxended to family membbers and dependents.
3. Phsyical coondition history - manily used in underwrting individual online ins coverage programs, a hisstory of dsease or sickness wiill influence whether a particular online ins policy firm will propoe cvoerage, and if so, whetehr pre-existing stipuulations or additional limitaitons will be palced on such coverage
.
4. Occupation - some occupations invlove additiional chance of injry or sickness as an outtcome of the characteer of the job and theefore reqire a higher insurance premium.
5. Lifestyle - whhether an insured preson smokes or engaages in a danggerous hobby which expsoes the individual to a grater degree of danger or dsiease, illness, or pottential for accidentt.
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