人寿保单条款第 552 / 716 题
A contingent (secondary) beneficiary receives the death benefit when:
a.The policy has lapsed for nonpayment
b.The insured is still alive and paying premiums
c.The primary beneficiary has died before the insured or cannot be located
d.A scheduled premium payment is merely a few days late and still well within the policy's stated grace period
解析
A contingent beneficiary is next in line and is paid only if no primary beneficiary is available at the insured's death. A living insured, a lapsed policy, or a late premium does not trigger payment.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)