人寿保单条款第 568 / 716 题
When a policyowner requests a cash-value loan, the insurer:
a.May refuse all policy loans at its discretion
b.Must provide the requested policy loan at no interest and without any deduction from the available cash value
c.May defer paying the loan for up to six months, except when the loan is used to pay a premium
d.Must pay the loan within 24 hours as required by law
解析
Insurers may delay honoring a policy loan for up to six months (a holdover from liquidity protection), except loans requested to pay premiums. They cannot generally refuse loans on a policy with cash value, and loans do bear interest.
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
- Under the extended term nonforfeiture option, the policy's cash value is used to:
- The reduced paid-up nonforfeiture option provides:
- The automatic premium loan provision prevents a policy from lapsing by:
- Policy dividends from a participating life policy are generally not taxable because they are treated as:
- Electing to use policy dividends to buy paid-up additions will:
- The difference between the fixed-period and fixed-amount settlement options is that fixed-period:
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)