人寿保险基础第 397 / 716 题
Increasing term insurance provides:
a.A death benefit that stays exactly level for the whole term
b.No death benefit unless the insured survives the entire term, which reverses how term insurance actually pays
c.A death benefit that grows over the term, with a premium that usually rises as well
d.A death benefit that declines steadily throughout the term
解析
Increasing term features a death benefit that rises over the policy period, often used to offset inflation or as part of a return-of-premium design, and the premium generally increases along with the growing benefit. A level benefit describes level term, and a declining benefit describes decreasing term. Term insurance pays on death during the term, not on survival. The rising benefit is what defines increasing term.
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同考点相关题目
- Return-of-premium (ROP) term insurance is distinguished from ordinary term because it:
- Which form of term insurance keeps both the premium and the death benefit constant for the entire term?
- Decreasing term insurance is most commonly purchased to:
- Under Option B (the increasing death benefit option) of a universal life policy, the total death benefit is equal to:
- In a variable life insurance policy, the cash value is held in:
- Variable universal life (VUL) insurance combines:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)