人寿保险基础第 382 / 716 题
Which of the following is a common personal use of life insurance?
a.Covering property damage caused by a windstorm
b.Insuring an automobile against collision damage and towing expenses
c.Paying for routine annual physical exams
d.Providing money for final expenses and replacing lost income
解析
Life insurance is commonly used to cover final expenses (such as funeral and burial costs) and to replace the income a family loses when a breadwinner dies. Insuring a car against collision and covering windstorm property damage are property and casualty functions, not life insurance. Routine physical exams are a health insurance or out-of-pocket matter. Life insurance addresses the financial impact of death, and income replacement is its central personal purpose.
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同考点相关题目
- The chief advantage of the conversion privilege on a term policy is that the insured can:
- Whole life insurance is generally most suitable for a client who wants:
- For most families, the amount of life insurance protection needed typically:
- A 'living benefit' of a permanent life insurance policy refers to the policyowner's ability to:
- Which combination of elements is guaranteed in a traditional whole life policy?
- A universal life policy is at risk of lapsing if:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)