人寿保单条款第 543 / 716 题
The free-look provision in a life insurance policy gives the policyowner the right to:
a.Change the named insured on the contract within the first month of ownership without providing new evidence of insurability
b.Cancel the policy at any point during the first year and receive all premiums back
c.Examine the delivered policy for a set number of days and return it for a full premium refund
d.Borrow against the cash value immediately after issue
解析
The free-look lets the owner review the actual delivered policy for a stated number of days (often 10) and return it for a full refund if unsatisfied. It is not a loan right, an unlimited first-year cancellation, or a way to change the insured.
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同考点相关题目
- 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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- If suicide occurs after the policy's suicide-clause period (commonly two years) has elapsed, the insurer will:
- Under the entire contract provision, the insurer may NOT:
- Which right belongs to the policyowner rather than to the insured (when they are different people)?
- A policyowner assigns a life policy to a bank as security for a loan, intending the bank to have rights only up to the outstanding loan balance. This is a:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)