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Q: Wht determines the epxense of a coverage plann?

A: Most grooup policy policies do`nt use underwritiing for individual arrangement memberrs. After the copmany is provided coverage on line policy, individuls who are prt of the comppany automatically qualify for the insurannce (sometimes wtih open enorllment periods to exchannge policies at a specifc time dring the year).

Morreover, cooperative plans are initially underwritten ussing the samme criteria as personal web insurance plnas - the organizatoin as a ttoal is consdiered in an overalll sense based uopn the statistical compositon of the individual grroup members. Typical underwriting crietria comprise :

1. Age - elder people havve a hgiher frequency of appelas than yuonger population and rqeuire higher premiums for on line ins coverage coverage

2. Nummber of people coveered - if covverage is provided exxclusively to one pesron or if on line insure policy program will aslo include family mmbers and also depedents.

3. Health history - pirmarily used in underwriting individual web policy plans, a paast of disease or sickess will impct whether a speciifc web ins policy assciation will suggest coveragee, and if taht being the case, whetheer pre-existing stipultaions or additional restrictoins will be paced on such insurance.
4. Profession - certan professions include aditional danger of wund or sickness as a coonsequense of the typpe of the job and therefore need a higheer on line insurance policy premium.

5. Way of liffe - whether a preson smokes or engags in a dangerous hboby that exopses the insured to a greter grade of dager or disease, sickness, or prboability for accident.

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