人寿保单条款第 418 / 716 题
The 'life income' settlement option guarantees that payments will continue:
a.Until the proceeds run out, regardless of how long the payee lives
b.Only to the payee's estate after death
c.For as long as the payee lives, no matter how long that is
d.For exactly ten years and then stop
解析
The life income option converts the proceeds into an income the payee cannot outlive, continuing for the payee's entire lifetime; because the insurer bears longevity risk, the payment amount depends on the payee's age and life expectancy. It is not limited to ten years, is not simply paid until funds run out, and is not paid to the estate. Life income is the option that protects a beneficiary against outliving the money.
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同考点相关题目
- Under the 'interest only' settlement option, the insurer:
- The settlement option that pays equal installments for a chosen length of time until the proceeds and interest are used up is the:
- Under the fixed amount settlement option, the beneficiary receives:
- A contingent (secondary) beneficiary receives the death benefit:
- To change an irrevocable beneficiary designation, the policyowner must:
- When proceeds are distributed 'per stirpes' and a named beneficiary dies before the insured, that beneficiary's share:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)