Pays an insured a percentage of their monthly earnings if they become disabled.
Pays an insured a percentage of their monthly earnings if they become disabled.
An underwriting method of determining the extra rate to be charged for a substandard insured. “Standard” is rated 100. Various impairments are assigned various numerical values. The sum of 100 plus the values of the ratings of the impairments indicates the table to use in determining the rate of the policy.


