人寿保单条款第 560 / 716 题
The return-of-premium rider on a life policy is funded essentially as a(n):
a.Decreasing term rider that shrinks each policy year
b.Increasing term rider equal to the premiums paid
c.Immediate annuity bought at policy issue
d.Paid-up whole life rider bought with dividends
解析
Return of premium is achieved with an increasing term rider whose amount grows to match the cumulative premiums, so surviving the term returns those premiums. It is not decreasing term, whole life, or an annuity.
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同考点相关题目
- 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:
- Under an AD&D benefit, the amount paid for the accidental loss of a body part such as a hand or eye is called the:
- Adding a level term rider to a whole life policy lets the owner:
- An accelerated (living) death benefit rider allows the insured to receive part of the death benefit while still alive if the insured:
- A long-term care rider attached to a life insurance policy generally:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)