保障人壽保險如何運作？
保障人壽保險如何運作？
 Guaranteed Life Insurance is coverage that has no medical requirements. The only thing restricting some people from getting it is age (most policies have a minimum age requirement of 40 to 50, and maximum age of about 80). Also, policies are only available in the states in which they are approved. Guaranteed Life Insurance has a graded period that varies from company to company. Graded periods are commonly 2 or 3 years long. During the first 2 or 3 years of the policy, if death would occur due to natural causes, a percent of the face amount is paid, or all the premiums are paid back with an additional percent added. During the graded period, accidental death usually pays 100%. After the graded period, the policy pays 100% for death by any reason.
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