人寿保单条款第 537 / 716 题
Which of the following is NOT a typical requirement or effect of reinstating a lapsed life policy?
a.A new contestable/incontestability period begins for statements made in the reinstatement application
b.The policyowner receives a brand-new free-look (right-to-examine) period as if buying a new policy
c.The policyowner must provide evidence of insurability
d.Overdue premiums must be paid, usually with interest
解析
Reinstatement restores the original contract, so it does not trigger a fresh free-look period. It does require proof of insurability, payment of back premiums with interest, and it restarts the contestable and suicide periods for the reinstatement application.
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同考点相关题目
- A spendthrift clause applied to policy proceeds held under a settlement option is intended to:
- 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?
- An insured dies during the grace period with one premium still unpaid. The insurer will most likely:
- A major advantage of reinstating a lapsed policy rather than buying a brand-new one is that:
- The insured's age was understated on a life application, and the error is found at the time of death. Under the misstatement of age provision, the insurer will:
- Because a misstatement understated the insured's true (older) age, the premiums charged were too low. The adjusted death benefit will therefore be:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)