<%@LANGUAGE="VBSCRIPT"%>
<%
option explicit
%>
<%
dim rsArticles, sSQL, gStr
set rsArticles = server.createobject("adodb.recordset")
rsArticles.cursorlocation = 3
sSQL = sSQL & "SELECT TOP 10 Articles.Article_ID, Articles.Article_Title, Articles.Article_Excerpt, "
sSQL = sSQL & "Articles.Article_Content, Articles.Article_Posted, Articles.Article_Comments, "
sSQL = sSQL & "Articles.Article_Images, Categories.Category_ID, Categories.Category_Title, Users.User_ID, "
sSQL = sSQL & "Users.User_Name FROM FB_Users AS Users INNER JOIN (FB_Categories AS Categories "
sSQL = sSQL & "INNER JOIN FB_Articles AS Articles ON Categories.Category_ID = Articles.Article_Category_ID) "
sSQL = sSQL & "ON Users.User_ID = Articles.Article_User_ID WHERE Article_Status = 1 AND Article_Level = 0 "
sSQL = sSQL & "ORDER BY Article_Posted DESC;"
rsArticles.open sSQL, adoConn
Do While Not rsArticles.EOF
gStr = gStr & "
" & vbCrLf
rsArticles.MoveNext
Loop
%>
<%=gStr%>
Methods of dealing with under-average lives
Proposer’s accepted at ordinary rates are considered average lives. Those accessed by the life office as having an above average risk of death are called under-average lives.
Under average lives should pay a higher premium because they represent a higher risk factor and the life offices premium are based on average life mortality tables.
Circa 95% of proposer’s are accepted at ordinary standard life rates, circa 4% at loaded rates as they represent under-average lives and about 1% may be declined.
Some risks can be identified as increasing extra risks. These are risks that increase with the passing of time. Examples are being overweight where health risks are more likely later on in life, and chronic bronchitis which tends to be progressive and lead to emphysema.
Others can be identified as decreasing extra risks, where the risk is greatest at the beginning and then reduces as time passes. Examples are tuberculosis where the reoccurrence risk reduces with time and carcinoma where if treatment is successful the risk of recurrence reduces as time passes.
Then there are those which can be identified as constant extra risks where the risk continues to remain at the same level. Examples are aviation risks and motor racing risks.
next -
Ordinary rates for limited types of life insurance policy for under average lives