人寿保单条款第 563 / 716 题
A long-term care rider attached to a life insurance policy generally:
a.Pays for qualifying long-term care by drawing down the policy's death benefit
b.Pays only a death benefit and nothing during life
c.Is prohibited from being attached to life insurance
d.Replaces the insured's Medicare coverage entirely and pays all future hospital and physician bills directly
解析
An LTC rider accelerates the death benefit to reimburse qualifying long-term care expenses, reducing the remaining death benefit by what is used. It is a permitted living benefit, not a Medicare substitute.
免费刷完整 716 道题库 — 无需注册。
Own the complete California Life & Health Insurance Producer Exam guide — PDF + EPUB, $19.99 →
同考点相关题目
- The return-of-premium rider on a life policy is funded essentially as a(n):
- 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 cost-of-living (COLA) rider on a life policy increases the:
- Under the extended term nonforfeiture option, the policy's cash value is used to:
- The reduced paid-up nonforfeiture option provides:
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Life & Health Insurance License Exam · 我们如何核对
审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)