Fundamentos del Seguro de VidaPregunta 384 de 716
Which combination of elements is guaranteed in a traditional whole life policy?
a.The death benefit, the premium, and the cash value
b.The annual dividend the owner will receive
c.The interest rate credited to separate account sub-accounts
d.The return earned by the stock market each year
Explicación
Traditional whole life guarantees three key elements: a level premium that will not rise, a fixed death benefit, and a guaranteed schedule of cash value growth. Dividends, by contrast, are never guaranteed; they depend on the insurer's experience. Stock market returns are not part of a traditional whole life guarantee. Separate account sub-accounts belong to variable products, not traditional whole life. These three guarantees are what give whole life its predictability.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)