Nguyên tắc bảo hiểm chungCâu 588 / 716
A substandard (rated) risk is one who:
a.Presents higher-than-average risk and is charged a higher premium or issued with restrictions
b.Receives the insurer's lowest available premium
c.Represents exactly the average, expected level of risk for the age
d.Cannot be insured under any circumstances and must be declined regardless of the premium offered
Giải thích
Substandard applicants are insurable but at above-average risk, so they pay a rated (higher) premium or accept limitations. They are not uninsurable, preferred, or standard.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- An investigative consumer report differs from an ordinary consumer report because it:
- HIPAA privacy rules require insurers to:
- An applicant with better-than-average health and lifestyle who qualifies for the lowest available rates is classified as a:
- Statements an applicant makes on a life or health application are generally treated as:
- A misrepresentation on an application will let the insurer void the contract during the contestable period only if the misrepresentation is:
- Concealment is best defined as:
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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)