福利摘要
- 计划具有定价透明、灵活的特点。
- 10 万美元及以下的计划无需看医生（某些已存在的健康状况除外）。
- 如果需要，您可以缩减保险范围。
- 请参阅下面的完整费率表。
费率
女性每月费用
| 覆盖范围 | $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $400,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|---|---|---|---|
| 30 岁以下 | $6.33 | $8.05 | $11.50 | $13.23 | $14.95 | $18.40 | $21.85 | $30.48 | $39.10 |
| 30 - 34 | $7.48 | $10.35 | $16.10 | $18.98 | $21.85 | $27.60 | $33.35 | $47.73 | $62.10 |
| 35 - 39 | $8.05 | $11.50 | $18.40 | $21.85 | $25.30 | $32.20 | $39.10 | $56.35 | $73.60 |
| 40 - 44 | $9.78 | $14.95 | $25.30 | $30.48 | $35.65 | $46.00 | $56.35 | $82.23 | $108.10 |
| 45 - 49 | $14.38 | $24.15 | $43.70 | $53.48 | $63.25 | $82.80 | $102.35 | $151.23 | $200.10 |
| 50 - 54 | $18.40 | $32.20 | $59.80 | $73.60 | $87.40 | $115.00 | $142.60 | $211.60 | $280.60 |
| 55 - 59 | $31.05 | $57.50 | $110.40 | $136.85 | $163.30 | $216.20 | $269.10 | $401.35 | $533.60 |
| 60 - 64 | $46.00 | $87.40 | $170.20 | $211.60 | $253.00 | $335.80 | $418.60 | $625.60 | $832.60 |
| 65 - 69 | $75.90 | $147.20 | $289.80 | $361.10 | $432.40 | $575.00 | $717.60 | $1,074.10 | $1,430.60 |
男性每月费用
| 覆盖范围 | $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $400,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|---|---|---|---|
| 30 岁以下 | $7.48 | $10.35 | $16.10 | $18.98 | $21.85 | $27.60 | $33.35 | $47.73 | $62.10 |
| 30 - 34 | $8.63 | $12.65 | $20.70 | $24.73 | $28.75 | $36.80 | $44.85 | $64.98 | $85.10 |
| 35 - 39 | $9.20 | $13.80 | $23.00 | $27.60 | $32.20 | $41.40 | $50.60 | $73.60 | $96.60 |
| 40 - 44 | $12.65 | $20.70 | $36.80 | $44.85 | $52.90 | $69.00 | $85.10 | $125.35 | $165.60 |
| 45 - 49 | $17.25 | $29.90 | $55.20 | $67.85 | $80.50 | $105.80 | $131.10 | $194.35 | $257.60 |
| 50 - 54 | $29.90 | $55.20 | $105.80 | $131.10 | $156.40 | $207.00 | $257.60 | $384.10 | $510.60 |
| 55 - 59 | $48.88 | $93.15 | $181.70 | $225.98 | $270.25 | $358.80 | $447.35 | $668.73 | $890.10 |
| 60 - 64 | $77.05 | $149.50 | $294.40 | $366.85 | $439.30 | $584.20 | $729.10 | $1,091.35 | $1,453.60 |
| 65 - 69 | $119.60 | $234.60 | $464.60 | $579.60 | $694.60 | $924.60 | $1,154.60 | $1,729.60 | $2,304.60 |
女性每月费用
| 覆盖范围 | $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $400,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|---|---|---|---|
| 30 岁以下 | $7.48 | $10.35 | $16.10 | $18.98 | $21.85 | $27.60 | $33.35 | $47.73 | $62.10 |
| 30 - 34 | $9.20 | $13.80 | $23.00 | $27.60 | $32.20 | $41.40 | $50.60 | $73.60 | $96.60 |
| 35 - 39 | $10.93 | $17.25 | $29.90 | $36.23 | $42.55 | $55.20 | $67.85 | $99.48 | $131.10 |
| 40 - 44 | $14.38 | $24.15 | $43.70 | $53.48 | $63.25 | $82.80 | $102.35 | $151.23 | $200.10 |
| 45 - 49 | $21.28 | $37.95 | $71.30 | $87.98 | $104.65 | $138.00 | $171.35 | $254.73 | $338.10 |
| 50 - 54 | $28.75 | $52.90 | $101.20 | $125.35 | $149.50 | $197.80 | $246.10 | $366.85 | $487.60 |
| 55 - 59 | $48.88 | $93.15 | $181.70 | $225.98 | $270.25 | $358.80 | $447.35 | $668.73 | $890.10 |
| 60 - 64 | $68.43 | $132.25 | $259.90 | $323.73 | $387.55 | $515.20 | $642.85 | $961.98 | $1,281.10 |
| 65 - 69 | $106.38 | $208.15 | $411.70 | $513.48 | $615.25 | $818.80 | $1,022.35 | $1,531.23 | $2,040.10 |
男性每月费用
| 覆盖范围 | $50,000 | $100,000 | $200,000 | $250,000 | $300,000 | $400,000 | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|---|---|---|---|
| 30 岁以下 | $9.78 | $14.95 | $25.30 | $30.48 | $35.65 | $46.00 | $56.35 | $82.23 | $108.10 |
| 30 - 34 | $13.23 | $21.85 | $39.10 | $47.73 | $56.35 | $73.60 | $90.85 | $133.98 | $177.10 |
| 35 - 39 | $15.53 | $26.45 | $48.30 | $59.23 | $70.15 | $92.00 | $113.85 | $168.48 | $223.10 |
| 40 - 44 | $21.28 | $37.95 | $71.30 | $87.98 | $104.65 | $138.00 | $171.35 | $254.73 | $338.10 |
| 45 - 49 | $32.78 | $60.95 | $117.30 | $145.48 | $173.65 | $230.00 | $286.35 | $427.23 | $568.10 |
| 50 - 54 | $60.95 | $117.30 | $230.00 | $286.35 | $342.70 | $455.40 | $568.10 | $849.85 | $1,131.60 |
| 55 - 59 | $95.45 | $186.30 | $368.00 | $458.85 | $549.70 | $731.40 | $913.10 | $1,367.35 | $1,821.60 |
| 60 - 64 | $140.30 | $276.00 | $547.40 | $683.10 | $818.80 | $1,090.20 | $1,361.60 | $2,040.10 | $2,718.60 |
| 65 - 69 | $201.25 | $397.90 | $791.20 | $987.85 | $1,184.50 | $1,577.80 | $1,971.10 | $2,954.35 | $3,937.60 |
女性每月费用
| 覆盖范围 | $25,000 | $50,000 | $100,000 | $125,000 | $150,000 | $200,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| 30 岁以下 | $3.74 | $4.60 | $6.33 | $7.19 | $8.05 | $9.78 | $11.50 |
| 30 - 34 | $4.31 | $5.75 | $8.63 | $10.06 | $11.50 | $14.38 | $17.25 |
| 35 - 39 | $4.60 | $6.33 | $9.78 | $11.50 | $13.23 | $16.68 | $20.13 |
| 40 - 44 | $5.46 | $8.05 | $13.23 | $15.81 | $18.40 | $23.58 | $28.75 |
| 45 - 49 | $7.76 | $12.65 | $22.43 | $27.31 | $32.20 | $41.98 | $51.75 |
| 50 - 54 | $9.78 | $16.68 | $30.48 | $37.38 | $44.28 | $58.08 | $71.88 |
| 55 - 59 | $16.10 | $29.33 | $55.78 | $69.00 | $82.23 | $108.68 | $135.13 |
| 60 - 64 | $23.58 | $44.28 | $85.68 | $106.38 | $127.08 | $168.48 | $209.88 |
| 65 - 69 | $38.53 | $74.18 | $145.48 | $181.13 | $216.78 | $288.08 | $359.38 |
男性每月费用
| 覆盖范围 | $25,000 | $50,000 | $100,000 | $125,000 | $150,000 | $200,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| 30 岁以下 | $4.31 | $5.75 | $8.63 | $10.06 | $11.50 | $14.38 | $17.25 |
| 30 - 34 | $4.89 | $6.90 | $10.93 | $12.94 | $14.95 | $18.98 | $23.00 |
| 35 - 39 | $5.18 | $7.48 | $12.08 | $14.38 | $16.68 | $21.28 | $25.88 |
| 40 - 44 | $6.90 | $10.93 | $18.98 | $23.00 | $27.03 | $35.08 | $43.13 |
| 45 - 49 | $9.20 | $15.53 | $28.18 | $34.50 | $40.83 | $53.48 | $66.13 |
| 50 - 54 | $15.53 | $28.18 | $53.48 | $66.13 | $78.78 | $104.08 | $129.38 |
| 55 - 59 | $25.01 | $47.15 | $91.43 | $113.56 | $135.70 | $179.98 | $224.25 |
| 60 - 64 | $39.10 | $75.33 | $147.78 | $184.00 | $220.23 | $292.68 | $365.13 |
| 65 - 69 | $60.38 | $117.88 | $232.88 | $290.38 | $347.88 | $462.88 | $577.88 |
女性每月费用
| 覆盖范围 | $25,000 | $50,000 | $100,000 | $125,000 | $150,000 | $200,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| 30 岁以下 | $4.31 | $5.75 | $8.63 | $10.06 | $11.50 | $14.38 | $17.25 |
| 30 - 34 | $5.18 | $7.48 | $12.08 | $14.38 | $16.68 | $21.28 | $25.88 |
| 35 - 39 | $6.04 | $9.20 | $15.53 | $18.69 | $21.85 | $28.18 | $34.50 |
| 40 - 44 | $7.76 | $12.65 | $22.43 | $27.31 | $32.20 | $41.98 | $51.75 |
| 45 - 49 | $11.21 | $19.55 | $36.23 | $44.56 | $52.90 | $69.58 | $86.25 |
| 50 - 54 | $14.95 | $27.03 | $51.18 | $63.25 | $75.33 | $99.48 | $123.63 |
| 55 - 59 | $25.01 | $47.15 | $91.43 | $113.56 | $135.70 | $179.98 | $224.25 |
| 60 - 64 | $34.79 | $66.70 | $130.53 | $162.44 | $194.35 | $258.18 | $322.00 |
| 65 - 69 | $53.76 | $104.65 | $206.43 | $257.31 | $308.20 | $409.98 | $511.75 |
男性每月费用
| 覆盖范围 | $25,000 | $50,000 | $100,000 | $125,000 | $150,000 | $200,000 | $250,000 |
|---|---|---|---|---|---|---|---|
| 30 岁以下 | $5.46 | $8.05 | $13.23 | $15.81 | $18.40 | $23.58 | $28.75 |
| 30 - 34 | $7.19 | $11.50 | $20.13 | $24.44 | $28.75 | $37.38 | $46.00 |
| 35 - 39 | $8.34 | $13.80 | $24.73 | $30.19 | $35.65 | $46.58 | $57.50 |
| 40 - 44 | $11.21 | $19.55 | $36.23 | $44.56 | $52.90 | $69.58 | $86.25 |
| 45 - 49 | $16.96 | $31.05 | $59.23 | $73.31 | $87.40 | $115.58 | $143.75 |
| 50 - 54 | $31.05 | $59.23 | $115.58 | $143.75 | $171.93 | $228.28 | $284.63 |
| 55 - 59 | $48.30 | $93.73 | $184.58 | $230.00 | $275.43 | $366.28 | $457.13 |
| 60 - 64 | $70.73 | $138.58 | $274.28 | $342.13 | $409.98 | $545.68 | $681.38 |
| 65 - 69 | $101.20 | $199.53 | $396.18 | $494.50 | $592.83 | $789.48 | $986.13 |
我们的合作伙伴
卫报
要投保定期寿险，您必须在申请时回答几个基本的健康病史问题。根据这些回答，您可能会被要求在可保性证明表中提供更详细的健康信息。 如果您申请的保额超过 100,000 美元，您还需要提供一份可保性证明表，在对更高保额进行审核期间，您可能会获得 100,000 美元的保额。一旦获得批准，您的保额将增加到所申请的金额。如果您决定提高保额，您需要提供可保性证明。 一旦您加入保险，您的受抚养人也可以获得保险。您的配偶最多可获得您保额的 50%，如果保额超过 50,000 美元，则需要提交可保性证明。 参加定期人寿保险的会员可为子女投保，每个子女的保额最高为 4,000 美元。每个子女每月的保险费用为 2.52 美元。 保险金额在 65 岁时减少 50%，在 70 岁时终止。
为什么要为自由职业者工会购买保险
在哪里购买保险
其实很重要
- 当您通过自由职业者联盟购买计划时，我们会收取少量佣金，您无需支付额外费用
- 这些资金有助于我们继续开展工作，为全国各地的自由职业者提供宣传和支持
- 合作伙伴关系还有助于我们确保为会员找到最佳计划和折扣
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细则（律师让我们这么做的）
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