人寿保单条款第 535 / 716 题
A life policy has been in force well beyond its incontestable period. For which reason may the insurer still refuse to pay a death claim?
a.The insured misstated a minor detail about a childhood illness on the original application
b.The premium was never paid, so the coverage had actually lapsed before death
c.The beneficiary designation had been changed more than once over the years
d.The insured took up a dangerous hobby after the policy was issued
解析
Incontestability bars the insurer from voiding the policy over application misstatements after the contestable period, but it does not create coverage that never existed; if the policy had lapsed for nonpayment, there is nothing to pay. A post-issue change of hobby or beneficiary does not void a policy, and old application misstatements can no longer be contested.
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同考点相关题目
- If an insured's age was misstated on the application, the misstatement of age provision requires the insurer to:
- An 'absolute assignment' of a life insurance policy:
- A spendthrift clause applied to policy proceeds held under a settlement option is intended to:
- An insured dies during the grace period with one premium still unpaid. The insurer will most likely:
- Which of the following is NOT a typical requirement or effect of reinstating a lapsed life policy?
- A major advantage of reinstating a lapsed policy rather than buying a brand-new one is that:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)