Bảo hiểm nhân thọ nhóm & Niên kimCâu 696 / 716
A surrender charge on a deferred annuity:
a.Is a federal tax that is imposed on the annuity's earnings each and every year that the contract remains in the accumulation phase
b.Is a declining penalty for withdrawing funds during the early contract years, letting the insurer recover its costs
c.Applies only at the annuitant's death
d.Rewards the owner for withdrawing early
Giải thích
A surrender charge is an insurer-imposed penalty that typically declines each year during the surrender period, protecting the insurer from early liquidation costs. It is not a reward or a federal tax.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)