Nguyên tắc bảo hiểm chungCâu 578 / 716
Which relationship most clearly satisfies insurable interest for a life insurance policy?
a.A random investor seeking to profit from the policy
b.A competitor hoping to benefit from the insured's death
c.A business partner or spouse who would suffer financial loss at the insured's death
d.A stranger who read about the insured in the news and simply wishes to profit from a future death claim
Giải thích
Insurable interest requires a genuine expectation of loss, which a spouse or business partner clearly has. Strangers, competitors, and pure investors have no such interest and cannot lawfully insure another's life.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- A producer who collects and holds premium money on behalf of the insurer occupies a position described as:
- The principle of indemnity, which limits recovery to the actual amount of a loss, generally does NOT apply to life insurance because a life policy is:
- A stranger-originated life insurance (STOLI) arrangement is prohibited primarily because:
- Insurers combat adverse selection primarily through:
- The producer's role in field underwriting includes:
- The Medical Information Bureau (MIB) assists insurers by:
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)