人寿保单条款第 555 / 716 题
A spendthrift clause attached to a life insurance settlement is designed to:
a.Reduce the premium the policyowner is charged in exchange for restricting the beneficiary's access to the settlement funds
b.Increase the death benefit paid to the beneficiary
c.Protect the settlement proceeds from the beneficiary's creditors and from being spent all at once
d.Let the beneficiary immediately withdraw the entire lump sum
解析
A spendthrift clause keeps proceeds held under a settlement option out of reach of the beneficiary's creditors and prevents the beneficiary from squandering or assigning them in a lump sum. It neither raises the benefit nor lowers the premium.
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同考点相关题目
- 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:
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- 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:
- An accidental death benefit (double indemnity) rider generally pays the extra benefit only if death:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)