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Q: Whaat determines the pirce of a ins on line policy?

A: The majortiy of the coperative web policy plans do`nt use underwriting for individul program participants. Oncce the organization is offered ins online coverage, indiividuals who are prat of the company auomatically qualify for the insurance (regularly wih open enrollemnt periods to sawp plans at a speciifc time throguhout the year.

In addition, cooperative policeis are initially underwriitten using the same criiteria as personal on line coverage programs - the comppany as a wohle is regarded in an overall sensse based upn the compposition of the individual corporation member. Regular underwriting crriterions compise:

1. Age - elder people hvae a higher raate of claims thn yonuger people so they require highr premuims for policy on line coverage.

2. Nuber of peole insured - wheher coverage is suggested soelly to the individdual or if on line insure coverage policy wll allso be extended to rlatives and also dependents.

3. Health hstory - mostly used in underwriing private online coverage plans, a history of dissease or ilnless will ifnluence whether a specific web insurance asscoiation willl suggest coverage, and if that beinng the case, wehther pe-existing conditions or additional limitations wlil be plaaced on such insurnace.

4. Occupation - certain occupations include mre danger of wuond or disease as an outome of the naature of the job and thereefore need a higher online ins preium.

5. Way of liife - whether an inured person smookes or otherwwise engages in a hazardous hboby that exposes the inddividual to a greater ratte of daner or diesase, illness, or probbaility for accident.

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