人寿保单条款第 566 / 716 题
The reduced paid-up nonforfeiture option provides:
a.A smaller, fully paid-up permanent policy with no further premiums due
b.The same face amount but only for a limited number of years
c.A one-time cash refund equal to the policy's surrender value, ending all of the coverage immediately
d.A temporary term rider on a second insured
解析
Reduced paid-up applies the cash value as a single premium to buy a smaller permanent policy that needs no more premiums and lasts for life. Keeping the same face for a limited time is extended term; a refund is cash surrender.
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同考点相关题目
- A long-term care rider attached to a life insurance policy generally:
- 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 automatic premium loan provision prevents a policy from lapsing by:
- When a policyowner requests a cash-value loan, the insurer:
- Policy dividends from a participating life policy are generally not taxable because they are treated as:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)