人寿保单条款第 549 / 716 题
A death benefit is payable 'per stirpes.' If a primary beneficiary dies before the insured, that beneficiary's share will:
a.Revert to the insurer and be kept as an unclaimed benefit
b.Pass to that deceased beneficiary's own descendants (heirs)
c.Automatically be paid to the insured's probate estate
d.Be divided equally among the surviving primary beneficiaries
解析
Per stirpes ('by the branch') directs a deceased beneficiary's share down to that beneficiary's own descendants. Splitting it among survivors describes per capita, and the share does not revert to the insurer or default to the estate.
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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)