人寿保单条款第 429 / 716 题
A spendthrift clause applied to policy proceeds held under a settlement option is intended to:
a.Allow the beneficiary to borrow against the proceeds freely and to pledge them to outside creditors as loan collateral
b.Protect the proceeds the insurer is holding from the beneficiary's creditors and from being spent all at once
c.Increase the total death benefit paid
d.Speed up the payment of the proceeds
解析
A spendthrift clause keeps proceeds that the insurer is paying out over time out of the reach of the beneficiary's creditors and prevents the beneficiary from assigning or hastily withdrawing the entire amount, protecting an unsophisticated or vulnerable beneficiary. It does not speed up payment, increase the benefit, or allow free borrowing. The clause works only while the insurer holds the funds under an installment-type settlement option, not after a lump sum is paid.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)