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发帖数: 407 | 1 IEEE member的，对下面的注解不是很理解，比如
* The current 20% Group Term Life premium discount is effective through
August 31, 2017. Rates increase as member ages; member/spouse coverage
amounts decrease, starting at member age 69.
什么意思？，不是比如买了20年的就应该保费不变吗？还要涨的意思？谢谢
Your Estimated Monthly Rate Quotes:
Term Life Insurance *
Level Term Life to Age 65
10 Year Level Term Life Preferred **
10 Year Level Term Life Select **
10 Year Level Term Life Standard **
20 Year Level Term Life Preferred
20 Year Level Term Life Select
20 Year Level Term Life Standard
Term Life with Living Benefits Insurance
Member
$ 12.80
$ N/A
$ 17.55
$ 22.50
$ 76.95
$ 35.00
$ 57.00
$ 131.50
$ N/A
Spouse
$ 1.36
$ N/A
$ N/A
$ N/A
$ N/A
$ N/A
$ N/A
$ N/A
$ N/A
Child(ren)
$ 0.40
$ N/A
$ 0.45
$ 0.45
$ 0.45
$ 0.50
$ 0.50
$ 0.50
$ N/A
Total
$ 14.56
$ N/A
$ 18.00
$ 22.95
$ 77.40
$ 35.50
$ 57.50
$ 132.00
$ N/A
N/A indicates a coverage is not available or we are not able to provide a
quote online. If you have any questions, please call 1-800-493-IEEE (4333)
from 7:30 AM to 5:30 PM Monday - Friday (Central Time) and 8:00 AM to 1:00
PM Saturday (Central Time).
The maximum eligibility age varies by Plan, and is provided in the Plan
Details section on this website; any rate not quoted or provided in error is
subject to the maximum eligiblity age terms of the Group Policy.
For features, costs, eligibility, renewability, limitations and exclusions,
please close this browser window to return to the Plan details.
* The current 20% Group Term Life premium discount is effective through
August 31, 2017. Rates increase as member ages; member/spouse coverage
amounts decrease, starting at member age 69.
* *The current 10% Group 10 year Level Term Life premium discount is
effective through August 31, 2017.
The Group Term Life, 10-Year Level Term Life, 20-Year Level Term Life, Level
Term Life to Age 65 and Term Life with Living Benefits Plans are
underwritten by New York Life Insurance Company, New York, NY on Policy Form
GMR.
The rates quoted represent the current 2017 rates and Plan benefits for each
Plan. MT Residents: "male" rates apply to all individuals regardless of sex
. Only nonsmokers meeting the highest underwriting standards may qualify for
Preferred Rates under the Level Term Plans. Review the qualification
criteria in the Plan Details for each Plan. New York Life reserves the right
to change rates on any Plan, but guarantees Level Term Life Plan rates for
the length of any applicant's approved term. | r****m
发帖数: 1204 | 2 Group life insurance's premium always goes up as you age.
The term life plan you purchase outside of employer has a fixed premium.
If you are healthy, take the free group life insurance coverage first, if
you want more, only buy outside of your group insurance plan to lock in the
premium. |
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