常见问题

Learn more about our life insurance products, managing your 报道 and account, filing claims, and find answers to other common questions.

关于AARP 定期附加条款保护

这 term rider is additional life insurance 报道 that attaches to your existing life insurance contract to provide added protection until it ends, at age 80.

的 rider is an option that can help close any gaps you may have between your current 报道 amount and the amount that your loved 的 may need. 成本 like medical or funeral expenses increase steadily over time, and as our lives 改变,亚博真人官方版APP下载的财务状况也往往如此. 骑手是一个容易和可靠的 way to help your loved 的 get a benefit amount that can reduce the worry out of 这些变化.

One way is to determine if you have enough 报道 is to consider the expenses 你希望你的亚博真人官方版APP下载涵盖你的受益人. 你可以找到更多 有关费用的信息可能会影响你的受益人 在这里.

If you find your 报道 isn’t enough to help cover the expenses they might have, 然后 申请附加条款 是加强你的保护的好方法吗.

你 can apply for any amount between $2,500 and as much as your current 保险,直到你达到15万美元的总保险. 例如,如果你 currently have $15,000 of protection, you can apply for up to $15,000 in rider 报道. If you have $100,000 of current 报道, you can apply for a rider up to $50,000.

额外的保险可以持续到80岁. 你只需要确保你 如果您按时付款,您的注册表格中不包含任何资料 misrepresentations about your medical history, and you keep your existing 覆盖的地方.

这不是问题. 你可以选择用你的骑士换取永久的生命 保护,然后它可以持续一生. 您的费率将由您的年龄决定 当你交换.

是的. Many customers find their protection needs increase at different times, and you can add as many riders as you need (with a limit of $150,000 in total 保险范围),以帮助您的保险保持最新.

很容易. No medical exam is needed - your acceptance is based on your health information and other information you provide or give us permission to obtain. 你 甚至可以 登录 or 创建您的帐户 现在就在网上申请.

是的,有两个重要的原因:

加速的好处,或生活津贴. 这让你用了一半 your 报道 amount if you’re diagnosed with a terminal illness and given either 12个月或2年(或更少)的寿命. 您当前的合同将决定哪个时间 周期对你来说是准确的.1

附加条款还包括 放弃疗养院住宿津贴. 这 means for certain qualified, doctor-ordered nursing home confinements, your 连续180天后,保费将获豁免.2

交换期限保险范围

It’s the feature included in your term life insurance that lets you switch your 报道 from term to permanent life insurance, guaranteed - with no health 问题或体检.

We regularly remind customers about their option to exchange for three important 原因:

1) To make sure you can easily exchange if t在这里 is a time best for you. 的 rate you pay for permanent life insurance is based on your age when you switch and 然后 never goes up … so the earlier you exchange, the lower your monthly 利率总是. 而永久亚博真人官方版APP下载的费率则高于 长期利率永远不会增加,它是终身固定的. 一些客户发现 做预算比等到以后更容易.

2) 所以你永远不会没有保险. 当你的定期保险在年龄到期时 80, and you choose not exchange it, other life insurance can be difficult or may be 不安全的. 换成永久亚博真人官方版APP下载,可以持续 you live helps ensure you can always provide a level of protection for your loved 的.

3) 所以它很容易理解,也很容易做. 期权交易就是其中之一 the most popular features of term 报道, so we want to make sure you are aware of this benefit and if you choose you can use it on any premium due date.

这完全是你的选择. 担保交换选项是一个内置功能 of your term insurance; it’s t在这里 for you to use when you want, or not at all.

Certificate age is calculated based on your contract anniversary, as opposed to 你的实际年龄. 举个例子:假设你的亚博真人官方版APP下载从一月份开始 15th and you were 55 years old…然后 your 56th birthday was in February. 你的 certificate age would remain 55 until your next year’s contract anniversary, the 1月15日之后.

Cash value grows gradually over time, as you make payments on your 报道. 的 benefit to having cash value is that you can choose to borrow against it if you 需要,甚至需要支付合同上的保费,如果你愿意的话.3

When you exchange term 报道 for AARP 永久的生命 insurance, t在这里 is a 不需要再付款的某个时间点. 这叫做"已付". 确切的 time 报道 becomes “paid up” depends upon your age, gender, and smoker 身份,但最新的是95岁.

T在这里 are a couple of reasons that permanent life premiums are generally more 定期寿险保费. 首先,保险费率是终身保障的——所以不管怎样 age you are when you switch to permanent life, that’s the rate you’ll pay for as long 当你投保. 它还能创造现金价值,到95岁时支付就停止了. 的 cost of permanent life insurance is calculated to account for those factors.

是的, in fact, that’s a popular option for customers who want the benefits and locked in rate for permanent life insurance now, but also keep some protection with lower 初始保费,定期保险提供. 你只需要打个电话 (800) 249-7047 并要求做部分交易.

很容易. 登入你的帐户 现在去“交换定期保险”-或 你可以把收到的兑换单寄出去.

关于您的报道的问题?

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