人寿保险基础第 406 / 716 题
When a term policy is converted to permanent coverage using the 'attained age' method, the new premium is based on:
a.The insured's current age at the time of conversion
b.A single flat rate that is the same for every insured
c.The age of the policy's named beneficiary
d.The insured's age when the term policy was originally issued
解析
Under the attained age method, the permanent policy is priced using the insured's current (attained) age at conversion, which results in a higher premium than the original issue age but usually a lower immediate cost than the alternative. The original issue age method, by contrast, prices the new policy as of when the term coverage began. A single flat rate for everyone and the beneficiary's age are not used to set premiums. The two conversion methods differ in which age determines the new premium.
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同考点相关题目
- Before completing the sale of a variable life insurance policy, the producer is required to deliver to the applicant a:
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- 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)