保险学原理chapter7(共23张PPT).pptx

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1、Supplementary Benefits培训专用Chapter Outlinen nSupplementary Disability Benefitsn nAccident Benefitsn nAccelerated Death Benefitsn nBenefits for Additional Insuredsn nInsurability Benefits培训专用Supplementary Disability Benefitsn nWaiver of Premium for Disability Benefitsn nWaiver of premium for payor Ben

2、efitsn nDisability income benefits 培训专用Waiver of Premium for Disability Benefitsn nThe insurer promises to give up its right to collect The insurer promises to give up its right to collect renewal premiums that become due while the renewal premiums that become due while the insured is totally disabl

3、ed.insured is totally disabled.n nWhat is Total Disability?What is Total Disability?The insureds inability to perform the essential acts of The insureds inability to perform the essential acts of her own occupation or any other occupation for her own occupation or any other occupation for which she

4、is reasonably suited by education,training which she is reasonably suited by education,training,or experience.,or experience.培训专用Waiver of Premium for Disability Benefitsn nIf the policy is the one that builds cash value,the cash value will continue to increase just as if the policyowner paid the pr

5、emium.n nIn the case of a participating policy,the insurance company continues to pay policy dividends as if the policyowner were paying premiums.培训专用Waiver of Premium for Disability Benefitsn nSome limitscontain 3-6 months waiting periods.Be available to cover only disabilities that begin during a

6、specified age span.The interval at which premium payment s are due cannot be changed.Exclude some risks from riders coverage培训专用Waiver of Premium for Payor Benefitn nIs designed for third-party policies,such as juvenile insurance policies.n nA juvenile insurance policy is a policy that is issued on

7、the life of a child but is owned and paid for by an adult,usually the childs parents or legal guardian.培训专用Waiver of Premium for Payor Benefitn nDefinitionthe insurance company waive its right to collect a policys renewal premiums if the policyowner-the person responsible for paying premiums-dies or

8、 to becomes totally disabled.培训专用Disability Income Benefitn nProvides a monthly income benefit to the policyowner-insured if she becomes totally disabled while the policy is in force.n nThe monthly income benefit is a stated amount.培训专用Disability Income Benefitn nExamplePaxton Haymes was the policyo

9、wner-insured of a$150,000 Paxton Haymes was the policyowner-insured of a$150,000 life insurance policy that included a disability income benefit life insurance policy that included a disability income benefit rider.The rider stated that,if Paxton become totally disabled,rider.The rider stated that,i

10、f Paxton become totally disabled,then the insurance company wold pay him a monthly benefit then the insurance company wold pay him a monthly benefit of$10 per$1000 of life insurance coverage during the of$10 per$1000 of life insurance coverage during the period of disability;the income benefit would

11、 begin three period of disability;the income benefit would begin three months after the onset of a disability.while the policy was in months after the onset of a disability.while the policy was in force,Paxton became disabled as defined in the dissability force,Paxton became disabled as defined in t

12、he dissability income benefit rider.Two years later,he died as a result of income benefit rider.Two years later,he died as a result of his disability.his disability.培训专用Disability Income Benefitn nAnalysisn nthree months after he became disabled,Paxton became eligible to receive a dissability income

13、 benefit of 1500 per month.upon Paxton death,the policys death benefit became payable to the named beneficiary.培训专用Accident Benefitsn nAccidental Death Benefitn nDismemberment Benefit 培训专用Accidental Death Benefitsn nIf the insured dies as a result of an accident,If the insured dies as a result of an

14、 accident,the insurance company will pay the named the insurance company will pay the named beneficiary an amount of money in addition to beneficiary an amount of money in addition to the basic death benefit provided by the life the basic death benefit provided by the life insurance policy.insurance

15、 policy.n nThis additional sum is often equal to the policys face This additional sum is often equal to the policys face amount.amount.n nExclusions and some limitations:Exclusions and some limitations:培训专用Dismemberment Benefitn nThe insurer will pay a stated benefit amount if an accident causes the

16、 insured to lose two limbs or sight in both eyes.培训专用Accelerated Death Benefitsn nProvide that a policyowner may elect to receive all or part of the policys death benefit before the insureds death if certain condition are met.n nTerminal illness benefitn nDread Disease Benefitn nlong-term care benef

17、it培训专用Terminal illness benefitn nIs a benefit under which the insurer pay a portion of the policys death benefit to a policyowner if the insured suffers from a terminal illness and has a physician-certified life expectancy of 12 months or less.培训专用Dread disease benefitn nThe insure agrees to pay a p

18、ortion of the policys face amount to a policyowner if the insured suffers from one of a number of specified diseases.培训专用Long-term benefitn nIs payable as a monthly benefit to a policyowner if the insured requires constant care a medical condition.培训专用Benefits for additional insuredsn nSpouse and Ch

19、ildrens insurance ridern nchildrens insurance ridern nsecond insured rider培训专用Insurability benefitsn nGuaranteed insurability benefitn npaid-up additions option benefit培训专用培训专用谢谢观看/欢迎下载BY FAITH I MEAN A VISION OF GOOD ONE CHERISHES AND THE ENTHUSIASM THAT PUSHES ONE TO SEEK ITS FULFILLMENT REGARDLESS OF OBSTACLES.BY FAITH I BY FAITH培训专用内容总结Supplementary Benefits。Disability income benefits。long-term care benefit。childrens insurance rider。second insured rider。Guaranteed insurability benefit。谢谢观看/欢迎下载培训专用