Fundamentos del Seguro de VidaPregunta 387 de 716
A joint life (first-to-die) policy covering two people is designed to pay:
a.The benefit only at the death of the second insured
b.A benefit only if both insureds die at the same time
c.Two separate full death benefits, one for each insured under the single contract
d.A single death benefit when the first of the insureds dies
Explicación
A joint life (first-to-die) policy insures two lives under one contract and pays a single death benefit at the first death, often used by business partners or spouses who need funds when either one dies. Paying at the second death describes a survivorship policy. It does not pay two full benefits, and it does not require simultaneous deaths. The first-to-die structure delivers money at the moment the first insured passes, which is when the covered need typically arises.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)