人寿保险基础第 402 / 716 题
A family income policy combines a whole life base with:
a.An annuity that automatically begins making monthly payments to the policyowner at age sixty-five
b.Decreasing term that pays the family a monthly income if the insured dies within the term
c.A long-term care benefit for the insured's parents
d.A health savings account for the children
解析
A family income policy adds a decreasing term rider to a whole life base so that, if the insured dies during the income period, the family receives monthly income for the remainder of that period, followed by the face amount of the whole life. It is not built with an annuity that starts at sixty-five, a long-term care benefit, or a health savings account. The monthly income from a decreasing term component is the defining structure of a family income policy.
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同考点相关题目
- In a variable life insurance policy, the cash value is held in:
- Variable universal life (VUL) insurance combines:
- Before completing the sale of a variable life insurance policy, the producer is required to deliver to the applicant a:
- A juvenile life policy often includes a payor benefit rider, which:
- A guaranteed-issue final expense policy that pays only a portion of the face amount if death occurs within the first two years is using a:
- An indexed universal life (IUL) policy credits interest to its cash value based on:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)