Điều khoản hợp đồng nhân thọCâu 551 / 716
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:
a.The insurer proceeds as though neither the insured nor the primary beneficiary had actually died in the common accident, keeping the policy in force
b.The insurer may retain the proceeds
c.The insured survived the beneficiary, so proceeds go to the contingent beneficiary or the estate
d.The primary beneficiary survived the insured
Giải thích
The common disaster clause presumes the insured outlived the beneficiary, so the money flows to the contingent beneficiary (or the estate) rather than into the deceased beneficiary's estate. It never lets the insurer keep the proceeds.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- If a beneficiary is named irrevocably, the policyowner generally may NOT do which of the following without that beneficiary's consent?
- 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:
- A contingent (secondary) beneficiary receives the death benefit when:
- A common problem with naming a minor child as the direct beneficiary of a life policy is that:
- Naming one's estate as the life insurance beneficiary can be disadvantageous because the proceeds may then be:
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Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)