Cơ bản về bảo hiểm nhân thọCâu 384 / 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
Giải thích
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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Câu hỏi liên quan cùng chủ đề
- For most families, the amount of life insurance protection needed typically:
- Which of the following is a common personal use of life insurance?
- A 'living benefit' of a permanent life insurance policy refers to the policyowner's ability to:
- A universal life policy is at risk of lapsing if:
- A survivorship (second-to-die) life insurance policy pays the death benefit:
- A joint life (first-to-die) policy covering two people is designed to pay:
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Đội ngũ PrepPass · Đối chiếu với California Life & Health Insurance License Exam · Quy trình kiểm tra
Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)