Cơ bản về bảo hiểm nhân thọCâu 390 / 716
An adjustable life policy is distinctive because it allows the policyowner to:
a.Invest the cash value directly in stock market sub-accounts and change the fund allocation from quarter to quarter
b.Receive a guaranteed annual dividend regardless of results
c.Reconfigure the coverage between term and permanent and change the premium and face amount as needs change
d.Skip all future underwriting for any increase in coverage
Giải thích
Adjustable life lets the owner change the policy's structure over time, shifting the balance between term and permanent coverage and altering the premium and face amount as circumstances change, all within a single contract. Investing cash value in sub-accounts describes variable life. Dividends are never guaranteed. And significant face-amount increases still generally require evidence of insurability. Adjustability, without switching policies, is what sets this product apart.
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Câu hỏi liên quan cùng chủ đề
- A joint life (first-to-die) policy covering two people is designed to pay:
- A modified whole life policy is characterized by:
- Single-premium whole life insurance is funded by:
- Current assumption (interest-sensitive) whole life differs from traditional whole life mainly in that its:
- A 'jumping juvenile' policy is a form of juvenile life insurance in which the face amount:
- Credit life insurance is generally structured as:
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Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)