人寿保单条款第 419 / 716 题
A contingent (secondary) beneficiary receives the death benefit:
a.Always, sharing it equally with the primary beneficiary named first in line
b.Never while a surviving primary beneficiary is entitled to the proceeds
c.Only when the contingent beneficiary is named irrevocably
d.Ahead of the primary beneficiary
解析
A contingent beneficiary is next in line and receives the proceeds only if the primary beneficiary has predeceased the insured (or otherwise cannot take them). The contingent does not share with a living primary, does not take ahead of the primary, and does not depend on being irrevocable. Understanding the order, primary first, then contingent, then tertiary, is essential for knowing who is paid when.
免费刷完整 716 道题库 — 无需注册。
Own the complete California Life & Health Insurance Producer Exam guide — PDF + EPUB, $19.99 →
同考点相关题目
- 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:
- The 'life income' settlement option guarantees that payments will continue:
- 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:
- The accidental death benefit rider pays:
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Life & Health Insurance License Exam · 我们如何核对
审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)