人寿保险基础第 400 / 716 题
Variable universal life (VUL) insurance combines:
a.Level term insurance with a fixed deferred annuity
b.Whole life insurance combined with an individual disability income policy that replaces the insured's lost earnings
c.The premium and death-benefit flexibility of universal life with the investment choice of variable life
d.A fixed annuity with a long-term care benefit
解析
VUL merges two feature sets: the flexible premiums and adjustable death benefit of universal life, and the policyowner-directed separate account investments of variable life. It is not a blend of term and an annuity, not whole life plus disability income, and not a fixed annuity with long-term care. Because it contains separate account investing, VUL is regulated as a security and requires the producer to hold both an insurance license and a securities registration.
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同考点相关题目
- Increasing term insurance provides:
- 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:
- Before completing the sale of a variable life insurance policy, the producer is required to deliver to the applicant a:
- A family income policy combines a whole life base with:
- A juvenile life policy often includes a payor benefit rider, which:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)