人寿保单条款第 573 / 716 题
An applicant pays the initial premium with the application and receives a conditional receipt. Coverage becomes effective:
a.As of the receipt or exam date, provided the applicant is found insurable under the insurer's standards
b.Only after the policy is delivered and a second premium is paid
c.Only after the policy's free-look examination period has completely ended and the owner has formally decided to keep the delivered contract
d.Immediately and unconditionally, regardless of the applicant's health
解析
A conditional receipt provides coverage retroactive to the application or exam date, but only if the applicant proves insurable as applied for; it is not a guarantee for an uninsurable applicant. Coverage does not wait for delivery or the end of the free-look.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)