人寿保单条款第 542 / 716 题
If suicide occurs after the policy's suicide-clause period (commonly two years) has elapsed, the insurer will:
a.Pay the beneficiary only one-half of the stated face amount
b.Deny the claim, since suicide is a permanently excluded cause of death
c.Pay the full death benefit like any other covered claim
d.Refund only the premiums that were paid, with no death benefit
解析
Once the suicide period has passed, suicide is treated as any other cause of death and the full benefit is paid. Refunding premiums or denying the claim applies only within the initial suicide period.
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同考点相关题目
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)