人寿保单条款第 545 / 716 题
Which right belongs to the policyowner rather than to the insured (when they are different people)?
a.Choosing whether to undergo a medical examination
b.Determining the official medical cause of the insured's death for the purpose of certifying the claim to the company
c.Naming and changing the beneficiary, taking policy loans, and surrendering the policy
d.Setting the reserves the insurer must hold
解析
Ownership rights, such as naming beneficiaries, borrowing, and surrendering, belong to the policyowner, who may or may not be the insured. Medical exams involve the insured, cause of death is a medical fact, and reserves are the insurer's actuarial obligation.
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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)