Điều khoản hợp đồng nhân thọCâu 561 / 716
Adding a level term rider to a whole life policy lets the owner:
a.Permanently reduce the base policy's face amount
b.Permanently eliminate the base policy's cash value accumulation in exchange for the additional term protection
c.Add temporary extra coverage (for example on a spouse or for a set period) at relatively low cost
d.Avoid all future underwriting on the base policy
Giải thích
A term rider layers inexpensive, temporary coverage on top of permanent insurance, often to cover a spouse or a period of higher need. It does not shrink the base face amount, remove cash value, or waive future underwriting.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- An accidental death benefit (double indemnity) rider generally pays the extra benefit only if death:
- Under an AD&D benefit, the amount paid for the accidental loss of a body part such as a hand or eye is called the:
- The return-of-premium rider on a life policy is funded essentially as a(n):
- An accelerated (living) death benefit rider allows the insured to receive part of the death benefit while still alive if the insured:
- A long-term care rider attached to a life insurance policy generally:
- A cost-of-living (COLA) rider on a life policy increases the:
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Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)