Điều khoản hợp đồng nhân thọCâu 545 / 716
Which right belongs to the policyowner rather than to the insured (when they are different people)?
a.Choosing whether to undergo a medical examination
b.Determining the official medical cause of the insured's death for the purpose of certifying the claim to the company
c.Naming and changing the beneficiary, taking policy loans, and surrendering the policy
d.Setting the reserves the insurer must hold
Giải thích
Ownership rights, such as naming beneficiaries, borrowing, and surrendering, belong to the policyowner, who may or may not be the insured. Medical exams involve the insured, cause of death is a medical fact, and reserves are the insurer's actuarial obligation.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- If suicide occurs after the policy's suicide-clause period (commonly two years) has elapsed, the insurer will:
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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)