团体寿险与年金第 433 / 716 题
In a fixed annuity, the premiums are held in the insurer's:
a.Separate account, whose value rises and falls directly with the performance of the stock and bond markets
b.A mutual fund selected by the owner
c.General account, where the insurer bears the investment risk and guarantees a minimum interest rate
d.The owner's own bank account
解析
A fixed annuity places funds in the insurer's general account; the insurer bears the investment risk and guarantees both principal and a minimum interest rate, producing a predictable, stable value. A separate account tied to the market describes a variable annuity, where the owner bears the risk. The funds are not held in a mutual fund chosen by the owner or in the owner's bank account. The general-account guarantee is what makes a fixed annuity 'fixed.'
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
- In an annuity contract, the person whose life expectancy is used to determine the income payments is the:
- An annuity primarily protects an individual against the risk of:
- A flexible-premium annuity is always a:
- During the accumulation phase of a variable annuity, the owner's payments purchase:
- During the payout phase of a variable annuity, the number of annuity units is generally fixed, yet the payment amount varies because:
- An equity-indexed (fixed indexed) annuity protects the owner against index losses by providing:
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)