Amount of insurance.doc

Amount of insurance 保险金额 In noncreditor group health, no statutory maximums limit the amount of insurance that can be written on any member. 在非债权人团体健康保险中，与每个成员签订的最大保险金额没有法定限制。 This decision is left to the insurers. 签订多少保额的决定全在保险人手里。 The model bills regulating group creditor insurance limit life and health coverage on the debtor to the amount of the debtor. 管理债权人团体保险的标准法案把人寿和健康保险范围限定在债务人的债务以内。 For noncreditor group life, the only restriction included in the current model bills relates to dependent coverage. 对于非债权团体人寿保险，在目前的标准法案中依赖员工生活的家庭成员的保险项目是唯一受到限制的。 Insurance on spouses and dependent children is limited to 50 percent of the amount of insurance on the life of the employee. 配偶和没有独立能力的孩子的保险金额限定在雇员人寿保险金额的百分之五十以内。 Numerous other limitations were included in previous versions of the group life definition, and the states enacted a variety of maximum limitations. 先前关于人寿保险定义的版本中包含许多其他的限制条件，并且制订了多种多样的保险最大限额。 As group life grew in popularity, most of these restrictions disappeared. 随着团体人寿保险流行起来，许多限制条件消失了。 Insurer underwriting rules may limit the amount of insurance that can be written in any one life. 保险业中承保人条款可能限制了那些可以在个人人寿中可以签订的保险金额。 Such restrictions are used for small groups, where adverse selection is most likely. 这样的限制条款被用在容易发生逆向选择的小团体中。 Underwriters also may be concerned that no disproportionate amounts of coverage be written on any single life and that group members have little or no choice concerning benefit amounts. 保险人同样可能担心没有不成比例的保险金额在单一人寿保险中签订，并且团体成员很少有或者没有关于福利金额的选择。 However, as discussed in chapter 13, the increasing popularity of flexible benefit plans has made it more difficult for insurers to enforce the “no-choice” requirement. 然而就像在第十三章讨论的那样，逐渐流行的浮动的福利计划使保险人实施没有选择余地的保险条款更加困难。 In nonflexible benefit program, the level of group life insurance for each employee is usually fixed by a predetermined rule(called a formula or schedule). 在非弹性福利项目中，每个雇员的团体保险水平通过事先决定的规则（称为一个公式或者计划表）来固定。 Several methods of determining the life insurance amounts for individual partic