人寿保险基础第 403 / 716 题
A juvenile life policy often includes a payor benefit rider, which:
a.Waives the premiums if the paying adult dies or becomes disabled before the child reaches a specified age
b.Converts the policy to term insurance at age eighteen, automatically ending the permanent coverage the parents originally purchased
c.Automatically doubles the policy's face amount
d.Pays the insured child a monthly salary
解析
A payor benefit rider on a child's policy waives future premiums if the adult premium-payer dies or becomes totally disabled before the child reaches a stated age (often twenty-one), keeping the coverage in force. It does not pay the child a salary, does not double the face amount, and does not force a conversion to term. The rider protects the child's coverage against the loss of the person who pays for it.
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同考点相关题目
- 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 family income policy combines a whole life base with:
- 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:
- When a term policy is converted to permanent coverage using the 'attained age' method, the new premium is 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)