Principios Generales de SegurosPregunta 353 de 716
To say an insurance contract is 'aleatory' means that:
a.The dollar amounts the two parties exchange may be unequal and depend on chance
b.Benefits are paid only if the stated policy conditions are first satisfied
c.Only one of the two parties makes a legally enforceable promise to perform
d.It is drafted by the insurer and offered to the applicant on a take-it-or-leave-it basis
Explicación
An aleatory contract is one in which the values exchanged are unequal and depend on an uncertain event: an insured may pay small premiums and collect a large benefit, or pay premiums and collect nothing. A contract where only one party promises is unilateral. A take-it-or-leave-it contract is one of adhesion. A contract that pays only if conditions are met is conditional. Aleatory specifically captures the element of chance in the exchange of value.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)