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Q: Wht determines the expesne of a on line ins policy program?

A: The mjority of the cooperative web insurance policy ploicies doon`t use underwriting for individual pan participants. Once the comapny is provided online ins coverage coveragge, persons who are prat of the group automatcally qualify for the insurance (ooften with opn enrollment periods to sawp plans at a speciic time during the yer). Moreoevr, cooperative plans are originally undrwritten by the same criterria as persoanl insurance policeis - the organizatiion as a whle is considered in general basd on the staistical composition of the individual associatoin members. Usual undrewriting criiterions comprise:

1. Age - elder ppulation has a higehr occurrence of claimms than younger poopulation and they require higgher premiums for web insurance policy coverage.

2. Number of peopple covered - if coveerage is provided exclusvely to one perosn or if insurance online policy wiill also inculde family members and aslo dependents.

3. Physiical condition histry - mainly ussed in underwriting individual ins online planss, a histroy of disease or illenss will ipmact whether a particular coverage online assciation will propose coveraage, and if that bieng the casee, whether pre-eexisting conditions or additional restraints wlil be plaed on such coverage.

4. Occupation - several occuaptions inlcude additional possibility of wuond or diisease as a reslt of the tyype of the job and threfore oblige a higher ins on line payemnt.

5. Way of lfe - whether an insured sokes or engagges in a danegrous hobby which exposes the persoon to a gerater degree of danger or diseaes, illness, or possibiliity for acident.

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