人寿保单条款第 422 / 716 题
The accidental death benefit rider pays:
a.A benefit for death from any cause whatsoever
b.The cash value to the owner at policy maturity
c.An additional amount, often equal to the face (double indemnity), when death results from a covered accident
d.A monthly income to the insured throughout any period of total disability that begins once the waiting period ends
解析
The accidental death benefit rider pays an extra sum, frequently doubling the face amount (double indemnity), when the insured dies as the direct result of a covered accident, usually within a set time of the accident. It does not add benefits for death from any cause, does not pay disability income, and does not pay cash value at maturity. Because it covers only accidental death, it is inexpensive but narrow in scope.
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同考点相关题目
- 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:
- The guaranteed insurability rider allows the policyowner to:
- The accelerated death benefit (living benefit) rider allows the insured to:
- A cost-of-living (COLA) rider on a life insurance policy is designed to:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)