Điều khoản hợp đồng nhân thọCâu 548 / 716
If a beneficiary is named irrevocably, the policyowner generally may NOT do which of the following without that beneficiary's consent?
a.Keep the policy in force
b.Continue to review and read the entire policy contract at any time without asking the beneficiary for permission
c.Continue paying the policy premiums
d.Change the beneficiary, take a policy loan, or surrender the policy
Giải thích
An irrevocable beneficiary has a vested interest, so ownership actions that could reduce or eliminate their interest, changing them, borrowing, or surrendering, require their consent. Paying premiums, reading the contract, and keeping it in force do not.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- Which right belongs to the policyowner rather than to the insured (when they are different people)?
- A policyowner assigns a life policy to a bank as security for a loan, intending the bank to have rights only up to the outstanding loan balance. This is a:
- A revocable beneficiary designation means the policyowner:
- A death benefit is payable 'per stirpes.' If a primary beneficiary dies before the insured, that beneficiary's share will:
- Under a per capita distribution among named beneficiaries, the proceeds are divided:
- Under a common disaster (simultaneous death) provision, if the insured and primary beneficiary die in the same accident and the order of death cannot be determined, proceeds are paid as though:
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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)