NAIC：2013-2017信贷保险和信贷意外及健康保险的经验报告（119页）.pdf

1、Credit Life Insurance and Credit Accident state laws on insurance topics; and other regulatory guidance on antifraud and consumer privacy. Capital Markets 60% A 54.91% 74.58% A 30% prima facie, health (by statute) 27.5% creditor + 7.5% general agent, life; 23.75% creditor + 6.25% general agent, A 50

2、% A Accelerated Death Benefit Coverage $.03 per $100 per year Joint Life Decr Term Single Premium: $.77 per $100 per year; Accelerate Death Benefit Coverage $.06 per $100 per year Single Life level Term Single Premium: $.82 per $100 per year; Accelerated Death Benefit Coverage $.05 per $100 per year

3、 Joint Life Level Term Single Premium: $1.43 per $100 year; Accelerated Death Benefit Coverage $.08 per $100 per year $.72 $1.76 (for loan duration of 7-12 months) _ Georgia 60% $.45 $.80 $2.20 (c) - Hawaii 60% (by statute) $.40 $.79 $1.76 - Idaho 50% $.54 $.80 $3.00 - Illinois 50% A 55% A 50% A joi

4、nt life: not to exceed one and two-thirds of the appropriate single life rate; level term life: $1.20 per hundred per annum; monthly outstanding balance: $1.00 per month per $1,000 of insurance. Regulation: 40-5-107 - Kentucky - (i) Gross decreasing term: $.60 ($.65 with dismemberment). (ii) Level t

5、erm: $1.20 ($1.30 with dismemberment). (iii) MOB: $.92 per $1,000 ($1.00 with dismemberment). (iv) Joint life: 150% of the single life rates above. $.91 $2.69 (c) (KRS 304.19- 080 (4)(a) Joint life: 150% of the single life rates above. - Louisiana - (a) Single life declining balance: $.80 per $100 c

6、overage per annum. (b) Single life level balance: $1.60 per $100 coverage per annum. (c) Joint life declining balance: $1.20 per $100 coverage per annum. (d) Joint life level balance: $2.40 per $100 coverage per annum. From $.85 to $10.00 per $100 of coverage depending on the coverage period and wai