人寿保单条款第 539 / 716 题
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:
a.Adjust the death benefit to the amount the premiums paid would have purchased at the correct age
b.Deny the claim entirely for material misrepresentation
c.Pay the full face amount exactly as originally applied for, with no adjustment
d.Automatically void the contract from inception and refund every premium the policyowner has paid over the years, with interest
解析
Misstatement of age is corrected by adjusting benefits, not by voiding the contract; the insurer pays what the premiums actually paid would have bought at the true age. It is not treated as fraud, and the face amount is not paid unchanged when the age was wrong.
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同考点相关题目
- 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:
- 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:
- If suicide occurs after the policy's suicide-clause period (commonly two years) has elapsed, the insurer will:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)