人寿保单条款第 554 / 716 题
Naming one's estate as the life insurance beneficiary can be disadvantageous because the proceeds may then be:
a.Subjected to probate and exposed to the deceased's creditors
b.Paid out faster than they would be to a named individual beneficiary
c.Received entirely free of both income tax and estate tax
d.Automatically doubled by the insurer at the insured's death
解析
Directing proceeds to the estate pulls them into probate, where they can be delayed and reached by creditors. A named beneficiary generally avoids probate; the estate route does not speed payment or increase the benefit.
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同考点相关题目
- Under a common disaster (simultaneous death) provision, if the insured and primary beneficiary die in the same accident and the order of death cannot be determined, proceeds are paid as though:
- A contingent (secondary) beneficiary receives the death benefit when:
- A common problem with naming a minor child as the direct beneficiary of a life policy is that:
- A spendthrift clause attached to a life insurance settlement is designed to:
- The waiver of premium rider typically begins paying the policy's premiums only after:
- The payor benefit rider on a juvenile life policy provides that, if the premium-paying adult dies or becomes disabled:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)