伤残与长期护理第 485 / 716 题
A 'noncancelable' disability income policy guarantees that the insurer:
a.Covers only those losses that are caused by accidents and never a disability arising from sickness
b.May cancel the policy at any policy anniversary it chooses after giving the insured written notice
c.Can never cancel the policy or change the premium as long as premiums are paid, up to a stated age
d.May increase the premium on an entire class of policies at renewal but must still renew the insured's coverage
解析
A noncancelable policy gives the insured the strongest guarantee: the insurer cannot cancel the coverage and cannot change the premium schedule, which is fixed in the contract, as long as premiums are paid up to a specified age. A policy that must renew but can reprice is guaranteed renewable, a weaker guarantee. It is not cancelable at the insurer's choice, and it is not limited to accidents. Noncancelable locks in both renewal and premium, making it the most protective (and often costliest) renewability provision.
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同考点相关题目
- 下列哪项最佳区分长期护理保单上 3%「单利」与 5%「复利」通胀保护附加条款？
- A disability income policy uses an 'own-occupation' definition of total disability. This means the insured is considered totally disabled if, because of injury or sickness, they cannot:
- Benefits under most long-term care (LTC) insurance policies are typically triggered when the insured:
- Business overhead expense (BOE) disability insurance reimburses a disabled business owner for:
- A disability buy-sell policy is designed to provide funds to:
- Key-person disability income insurance pays its benefit to the:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)