保险基本原理第 578 / 716 题
Which relationship most clearly satisfies insurable interest for a life insurance policy?
a.A random investor seeking to profit from the policy
b.A competitor hoping to benefit from the insured's death
c.A business partner or spouse who would suffer financial loss at the insured's death
d.A stranger who read about the insured in the news and simply wishes to profit from a future death claim
解析
Insurable interest requires a genuine expectation of loss, which a spouse or business partner clearly has. Strangers, competitors, and pure investors have no such interest and cannot lawfully insure another's life.
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同考点相关题目
- A producer who collects and holds premium money on behalf of the insurer occupies a position described as:
- The principle of indemnity, which limits recovery to the actual amount of a loss, generally does NOT apply to life insurance because a life policy is:
- A stranger-originated life insurance (STOLI) arrangement is prohibited primarily because:
- Insurers combat adverse selection primarily through:
- The producer's role in field underwriting includes:
- The Medical Information Bureau (MIB) assists insurers by:
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)