人寿保单条款第 548 / 716 题
If a beneficiary is named irrevocably, the policyowner generally may NOT do which of the following without that beneficiary's consent?
a.Keep the policy in force
b.Continue to review and read the entire policy contract at any time without asking the beneficiary for permission
c.Continue paying the policy premiums
d.Change the beneficiary, take a policy loan, or surrender the policy
解析
An irrevocable beneficiary has a vested interest, so ownership actions that could reduce or eliminate their interest, changing them, borrowing, or surrendering, require their consent. Paying premiums, reading the contract, and keeping it in force do not.
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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)