团体寿险与年金第 522 / 716 题
In a noncontributory group insurance plan, the employer pays the entire premium, and as a result insurers generally require that:
a.Only employees who volunteer are covered
b.Coverage remain entirely optional for each worker
c.100 percent of eligible employees be covered
d.No employees be covered until they contribute
解析
In a noncontributory plan the employer pays the full premium, so insurers typically require that 100 percent of eligible employees participate; universal participation eliminates adverse selection because no one can opt out and leave only higher-risk workers in the plan. It is not limited to volunteers, does not exclude everyone, and is not optional. The 100 percent rule for noncontributory plans contrasts with the lower participation percentages allowed when employees share the cost.
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同考点相关题目
- 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:
- In group insurance, the individual members of the group receive:
- In a contributory group plan, in which employees share in the premium cost, insurers usually require that:
- When an employee leaves a group life insurance plan, the conversion privilege generally allows them to:
- Federal COBRA continuation generally allows an eligible employee who loses group health coverage to:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)