Vida Grupal y AnualidadesPregunta 434 de 716
During the accumulation phase of a variable annuity, the owner's payments purchase:
a.Accumulation units whose value rises and falls with the separate account's performance
b.Annuity units used to calculate income payments during the payout phase rather than during accumulation
c.Shares of the insurance company's own stock
d.A guaranteed fixed number of dollars each year
Explicación
In the accumulation phase of a variable annuity, contributions buy accumulation units in the separate account, and the value of those units fluctuates with the performance of the underlying investments, so the owner bears the investment risk. A guaranteed fixed dollar amount describes a fixed annuity. Annuity units are used during the payout (annuitization) phase, not accumulation. The owner is not buying the insurer's stock. Accumulation units measure the growing value before payout begins.
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Preguntas relacionadas de este tema
- An annuity primarily protects an individual against the risk of:
- A flexible-premium annuity is always a:
- In a fixed annuity, the premiums are held in the insurer's:
- During the payout phase of a variable annuity, the number of annuity units is generally fixed, yet the payment amount varies because:
- An equity-indexed (fixed indexed) annuity protects the owner against index losses by providing:
- In an indexed annuity, the 'participation rate' determines:
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)