Điều khoản hợp đồng nhân thọCâu 563 / 716
A long-term care rider attached to a life insurance policy generally:
a.Pays for qualifying long-term care by drawing down the policy's death benefit
b.Pays only a death benefit and nothing during life
c.Is prohibited from being attached to life insurance
d.Replaces the insured's Medicare coverage entirely and pays all future hospital and physician bills directly
Giải thích
An LTC rider accelerates the death benefit to reimburse qualifying long-term care expenses, reducing the remaining death benefit by what is used. It is a permitted living benefit, not a Medicare substitute.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- The return-of-premium rider on a life policy is funded essentially as a(n):
- Adding a level term rider to a whole life policy lets the owner:
- An accelerated (living) death benefit rider allows the insured to receive part of the death benefit while still alive if the insured:
- A cost-of-living (COLA) rider on a life policy increases the:
- Under the extended term nonforfeiture option, the policy's cash value is used to:
- The reduced paid-up nonforfeiture option provides:
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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)