3) If Insured is granted coverage with extra rating 225%. How premium will be calculated. what is 100% and how it is different from 225%. show an example with dummy values for 100% and 225%. If any additional riders like Disability Waiver Benefit or Child Term Rider or Accident benefit rider exists, how this rider is charged with premium under 100% and 225%?
It means that the premium is charged with loading of 225% additional premium.
Premium for Normal person - 1000
Premium with 100% loading - 1000+(1000 * 100%) = 2000
Premium with 100% loading - 1000+(1000 * 225%) = 1000 + 2250 = 3250

P.S. - Anyway are you an insurance agent? (normal insured won't ask these questions)