团体寿险与年金第 446 / 716 题
An 'annuity certain' (period certain only) option pays income:
a.Only while the annuitant is disabled
b.For the annuitant's entire lifetime
c.For a fixed number of years; payments never depend on the annuitant's survival
d.For as long as either of two named annuitants lives, with payments continuing to the survivor
解析
A period certain only (annuity certain) option pays a set income for a specified number of years and stops when that period ends, whether or not the annuitant is still alive; if the annuitant dies during the period, remaining payments go to a beneficiary. It is not tied to the annuitant's lifetime, not a two-life option, and not conditioned on disability. Because it lacks a life contingency, it is used when income is needed for a defined period rather than for life.
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同考点相关题目
- 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:
- The 'free look' provision on a newly issued annuity allows the owner to:
- To sell variable annuities, a producer must hold:
- The process of converting an annuity's accumulated value into a stream of income payments is called:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)