人寿保单条款第 538 / 716 题
A major advantage of reinstating a lapsed policy rather than buying a brand-new one is that:
a.The insurer waives all future underwriting for the life of the contract
b.Premiums are based on the original (younger) issue age rather than the insured's current age
c.Reinstatement lets the owner keep the original policy while the insurer forgives every overdue premium and all accrued interest as a courtesy
d.The face amount is automatically doubled upon reinstatement
解析
A reinstated policy keeps its original issue-age premium, which is normally lower than a new policy bought at the insured's older attained age. Premiums are still owed, the face amount is unchanged, and reinstatement itself requires evidence of insurability.
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同考点相关题目
- 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:
- Which of the following is NOT a typical requirement or effect of reinstating a lapsed life policy?
- 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:
- An insured dies by suicide 14 months after the policy was issued. The insurer will most likely:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)