Fundamentos del Seguro de VidaPregunta 406 de 716
When a term policy is converted to permanent coverage using the 'attained age' method, the new premium is based on:
a.The insured's current age at the time of conversion
b.A single flat rate that is the same for every insured
c.The age of the policy's named beneficiary
d.The insured's age when the term policy was originally issued
Explicación
Under the attained age method, the permanent policy is priced using the insured's current (attained) age at conversion, which results in a higher premium than the original issue age but usually a lower immediate cost than the alternative. The original issue age method, by contrast, prices the new policy as of when the term coverage began. A single flat rate for everyone and the beneficiary's age are not used to set premiums. The two conversion methods differ in which age determines the new premium.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)