团体寿险与年金第 524 / 716 题
When an employee leaves a group life insurance plan, the conversion privilege generally allows them to:
a.Keep paying the group's low premium rate for life on the individual policy that is issued
b.Convert to an individual permanent policy without evidence of insurability, usually within 31 days
c.Remain insured under the employer's master group policy indefinitely at the same rate after leaving the company
d.Receive a cash refund of all the premiums the employer and the employee previously paid
解析
The conversion privilege lets a departing employee convert their group life coverage to an individual permanent policy without proving insurability, typically within 31 days of leaving, though the individual premium is based on the person's attained age. It does not preserve the group rate, refund premiums, or keep the person under the master policy. Conversion protects coverage for someone who might otherwise be uninsurable, which is especially valuable if their health has declined.
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同考点相关题目
- In group insurance, the individual members of the group receive:
- In a noncontributory group insurance plan, the employer pays the entire premium, and as a result insurers generally require that:
- In a contributory group plan, in which employees share in the premium cost, insurers usually require that:
- Federal COBRA continuation generally allows an eligible employee who loses group health coverage to:
- In addition to retirement income, the federal Social Security program also provides:
- Under the federal Affordable Care Act, adult children may generally remain covered on a parent's health plan until they reach age:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)