什麼是人壽保險費？
什麼是人壽保險費？
 The premium for a life policy are set by two people. The actuary compiles mortality data. From that he develops the premium necessary for the various plans based on a standard risk. The second person is the underwriter. The underwriter looks at the application, medical statements and any tests taken to determine if the applicant is standard. If the applicant isnt standard the underwriter assigns factors that result in an adjusted premium. The company makes an offer to the applicant after the underwriting stating the price necessary to put the insurance into force.
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