Tài liệu Bảo Hiểm

The policy excludes: Concurrent causation losses If a single loss is caused by two or more perils that occur concurrently or in any sequence, and one peril is covered under the policy and the other peril is excluded, the entire loss is excluded Any loss due to an ordinance or law, except as described in the Additional Coverages Property damage ...

23 trang | Chia sẻ: huyhoang44 | Ngày: 24/03/2020 | Lượt xem: 536 | Lượt tải: 0

Several factors help explain the substantial increase in tort costs over time, including: Juries and judges desensitized to the value of the dollar when damages are awarded Aggressive and creative litigation strategies Rising medical costs Abuses in class action lawsuits Deep pocket syndrome

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Survivor benefits can be paid to the dependents of a deceased worker who is either fully or currently insured Survivors include: Unmarried children younger than age 18 Unmarried disabled children Surviving spouse with children younger than age 16 Surviving spouse age 60 or older Disabled widow or widower, ages 50-59 Dependent parents The b...

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A cash-balance plan is a defined-benefit plan in which the benefits are defined in terms of a hypothetical account balance Actual retirement benefits will depend on the value of the participant’s account at retirement Each year, a participant’s “hypothetical” account is credited with a pay credit, which is related to compensation, and an interest...

32 trang | Chia sẻ: huyhoang44 | Ngày: 24/03/2020 | Lượt xem: 488 | Lượt tải: 0

A large percentage of employers self-insure the health insurance benefits provided to their employees Self insurance means the employer pays part or all of the cost of providing health insurance to the employees Plans are usually established with stop-loss insurance A commercial insurer will pay claims that exceed a certain limit Some employer...

35 trang | Chia sẻ: huyhoang44 | Ngày: 24/03/2020 | Lượt xem: 477 | Lượt tải: 0

An HSA investment account in a qualified plan received favorable tax treatment Participants pay premiums with before-tax dollars Investment earnings accumulate tax-free Proponents argue that HSAs can help keep health care costs down because consumers will be more sensitive to costs, will avoid unnecessary services, and will shop around Critics ...

29 trang | Chia sẻ: huyhoang44 | Ngày: 24/03/2020 | Lượt xem: 498 | Lượt tải: 0

An individual retirement account (IRA) allows workers with taxable compensation to make annual contributions to a retirement plan up to certain limits and receive favorable income-tax treatment Two basic types of IRAs are: Traditional IRA Roth IRA

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The annual rate of return earned on the savings component of a policy is an important consideration if you intend to invest over a long period of time The Linton yield is the average annual rate of return on a cash value policy if it is held for a specified number of years Current information is not readily available to consumers, so the method h...

21 trang | Chia sẻ: huyhoang44 | Ngày: 24/03/2020 | Lượt xem: 538 | Lượt tải: 0

Apply toward the purchase of term insurance The dividend can be used to purchase one-year term insurance equal to the cash value of the basic policy The remainder of the dividend is used to buy paid-up additions or is accumulated at interest Alternatively, the dividend may be used to purchase yearly renewable term insurance Convert the policy t...

25 trang | Chia sẻ: huyhoang44 | Ngày: 24/03/2020 | Lượt xem: 491 | Lượt tải: 0

Most families own an insufficient amount of life insurance About one in five households have no life insurance Consumers procrastinate, and have difficulty in making correct decisions about the purchase of life insurance Many families have only a limited amount of discretionary income The purchase of life insurance reduces the amount of discret...

33 trang | Chia sẻ: huyhoang44 | Ngày: 24/03/2020 | Lượt xem: 602 | Lượt tải: 0