Fundamentos del Seguro de VidaPregunta 402 de 716
A family income policy combines a whole life base with:
a.An annuity that automatically begins making monthly payments to the policyowner at age sixty-five
b.Decreasing term that pays the family a monthly income if the insured dies within the term
c.A long-term care benefit for the insured's parents
d.A health savings account for the children
Explicación
A family income policy adds a decreasing term rider to a whole life base so that, if the insured dies during the income period, the family receives monthly income for the remainder of that period, followed by the face amount of the whole life. It is not built with an annuity that starts at sixty-five, a long-term care benefit, or a health savings account. The monthly income from a decreasing term component is the defining structure of a family income policy.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)