Bảo hiểm nhân thọ nhóm & Niên kimCâu 433 / 716
In a fixed annuity, the premiums are held in the insurer's:
a.Separate account, whose value rises and falls directly with the performance of the stock and bond markets
b.A mutual fund selected by the owner
c.General account, where the insurer bears the investment risk and guarantees a minimum interest rate
d.The owner's own bank account
Giải thích
A fixed annuity places funds in the insurer's general account; the insurer bears the investment risk and guarantees both principal and a minimum interest rate, producing a predictable, stable value. A separate account tied to the market describes a variable annuity, where the owner bears the risk. The funds are not held in a mutual fund chosen by the owner or in the owner's bank account. The general-account guarantee is what makes a fixed annuity 'fixed.'
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
Own the complete California Life & Health Insurance Producer Exam guide — PDF + EPUB, $19.99 →
Câu hỏi liên quan cùng chủ đề
- In an annuity contract, the person whose life expectancy is used to determine the income payments is the:
- An annuity primarily protects an individual against the risk of:
- A flexible-premium annuity is always a:
- During the accumulation phase of a variable annuity, the owner's payments purchase:
- 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:
Cập nhật gần nhất: · quy trình kiểm tra
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)