Disposiciones de Pólizas de VidaPregunta 539 de 716
The insured's age was understated on a life application, and the error is found at the time of death. Under the misstatement of age provision, the insurer will:
a.Adjust the death benefit to the amount the premiums paid would have purchased at the correct age
b.Deny the claim entirely for material misrepresentation
c.Pay the full face amount exactly as originally applied for, with no adjustment
d.Automatically void the contract from inception and refund every premium the policyowner has paid over the years, with interest
Explicación
Misstatement of age is corrected by adjusting benefits, not by voiding the contract; the insurer pays what the premiums actually paid would have bought at the true age. It is not treated as fraud, and the face amount is not paid unchanged when the age was wrong.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)