人寿保险基础第 392 / 716 题

A 'jumping juvenile' policy is a form of juvenile life insurance in which the face amount:

a.Automatically increases, often fivefold, when the child reaches a stated age, without a premium increase
b.Decreases as the insured child gets older
c.Is available only to adults over age twenty-one, even though this coverage is specifically written on the life of a young child
d.Is payable directly to the child's school

解析

A jumping juvenile policy is issued on a child with a small face amount that automatically 'jumps' to a larger amount (commonly five times the original) at a specified age, such as twenty-one, with no increase in premium and no new evidence of insurability. It does not decrease with age, is not paid to a school, and is specifically designed for children rather than adults. The automatic step-up in coverage is the defining feature.

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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)
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