团体寿险与年金第 442 / 716 题
A surrender charge in a deferred annuity is:
a.A bonus the insurer credits at issue
b.A tax penalty imposed directly by the federal government on any early distribution taken before the contract matures
c.The commission paid to the selling producer
d.A fee the insurer deducts if the owner withdraws more than the allowed amount during the early contract years
解析
A surrender charge is a fee the insurer applies when the owner takes out more than the contract permits (or fully surrenders) during the surrender charge period, which usually declines to zero over a set number of years. It is not a government tax penalty (a separate 10 percent IRS penalty may apply before age 59 1/2), not the producer's commission, and not a credited bonus. Surrender charges let the insurer recover early costs and discourage quick withdrawals.
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
- Under a 'cash refund' life annuity option, if the annuitant dies before receiving payments equal to the amount paid in, the beneficiary receives:
- A 'joint and survivor' annuity continues payments:
- Which annuity payout option provides the largest periodic income for a given amount of money?
- An immediate annuity (SPIA) is funded with:
- A key advantage of an annuity's accumulation phase is that the earnings:
- When recommending an annuity, a producer must assess suitability, which includes considering the client's:
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)