Best Life Insurance for People With Disabilities (Prudential Wins)
Best Life Insurance for People With Disabilities (Prudential Wins)
TAMPA, Fla., Dec. 30, 2024 /PRNewswire/ -- In a recent report on life insurance for individuals with disabilities, Prudential was ranked number one with an average monthly premium of $100.
坦帕,佛羅里達州,2024年12月30日 /PRNewswire/ -- 在最近的一份關於 殘疾人士的壽險,保誠的平均月保費爲100美元,排名第一。
Disabilities differ, and an individual's access to life insurance products will depend on how their disability impacts their life expectancy. While discriminating based on disabilities is illegal in many sectors, life insurance companies must base eligibility on the risk of death. If a disability increases that risk, a disabled person may not have access to all life insurance policies.
殘疾種類各異,個人獲得壽險產品的機會取決於殘疾對其預期壽命的影響。儘管在許多行業中根據殘疾歧視是非法的,但壽險公司必須根據死亡風險來確定資格。如果殘疾增加了這種風險,殘疾人可能無法獲得所有壽險政策。
Prudential was ranked number one insurer for disabled individuals with an average monthly premium of $100.
保誠被評爲殘疾人士的首選保險公司,平均月保費爲100美元。
Top 10 Life Insurers for Disabled People
殘疾人士的十大壽險公司
Prudential faces competitors in writing policies for disabled individuals. QuickQuote.com's top 10 list is as follows:
保誠在爲殘疾人士撰寫政策方面面臨競爭。QuickQuote.com的前10名列表如下:
- Prudential
- New York Life
- Banner Life
- Lincoln Financial Group
- Transamerica
- Guardian
- AIG
- State Farm
- USAA
- Mutual of Omaha
- 保誠
- 紐約人壽
- 橫幅人壽
- 林肯金融集團
- 跨美保險
- Guardian
- AIG
- 州農保險
- USAA
- 奧馬哈互助保險公司
Each of these companies offers a wide range of policy products and options.
這些公司提供廣泛的保單產品和期權。
Life Insurance Based on Health
基於健康的壽險
Many individuals with disabilities have the same life expectancy as those without disabilities. If a disability does not impact life expectancy, the disabled individual should find competitive life insurance options easily.
許多殘疾人士的預期壽命與非殘疾人士相同。如果殘疾不影響預期壽命,殘疾人應該能夠輕鬆找到具有競爭力的壽險期權。
Disabled life insurance applicants must answer the same health questions and undergo the same exams as all applicants. Some disabilities are secondary to other health events that may impact eligibility for coverage. Some disabilities increase other risk factors related to life expectancy.
殘疾的壽險申請人必須回答與所有申請人相同的健康問題,並接受相同的檢查。一些殘疾是由於其他健康事件引起的,這可能影響保險資格。一些殘疾會增加與預期壽命相關的其他風險因素。
Melanie Musson, a life insurance expert with QuickQuote.com, reminds those with disabilities to "get several quotes because premiums and eligibility can vary greatly between individuals with special circumstances."
梅拉尼·穆森,一位壽險專家,來自 QuickQuote.com提醒殘障人士「獲取多個報價,因爲保險費用和資格在具有特殊情況的個人之間可能差異很大。」
Life Insurance Options for Disabled People
殘疾人生命保險期權
Term life insurance offers policyholders the highest level of coverage for the money. If an applicant's risk falls within an acceptable range, they can purchase a policy. If their risk is too high, they will not be offered coverage.
定期人壽保險爲保單持有人提供最高的保險金額。如果申請人的風險在可接受的區間內,他們可以購買保單。如果他們的風險過高,將不會提供保險。
Permanent or whole life insurance products are available to disabled individuals who fit the acceptable risk.
永久或終身人壽保險產品適用於符合可接受風險的殘疾人士。
If a disabled individual is not eligible for standard term or permanent life insurance, there may be other options. Some employers offer life group life insurance where employees can obtain coverage without a health exam.
如果殘疾人士不符合標準的定期或永久人壽保險資格,可能會有其他選項。某些僱主提供團體人壽保險,員工可以在無需健康檢查的情況下獲得保障。
Guaranteed issue life insurance is another option for those who can't get a standard policy. These policies have a high premium-to-benefit ratio.
保證承保的人壽保險是那些無法獲得標準保單的另一種選擇。這些保單的保費與利益比率較高。
Read QuickQuote.com's entire report here: Best Life Insurance for People With Disabilities in 2024 (Our Top 10 Picks).
在這裏閱讀QuickQuote.com的完整報告: 2024年殘疾人最佳人壽保險(我們的十個最佳選擇).
SOURCE QuickQuote.com
來源 QuickQuote.com