保险基本原理第 587 / 716 题
An applicant with better-than-average health and lifestyle who qualifies for the lowest available rates is classified as a:
a.Standard risk
b.Declined risk
c.Substandard risk
d.Preferred risk
解析
A preferred risk presents lower-than-average risk and earns the best rates. Standard is average, substandard is higher risk at higher cost, and declined means coverage is refused.
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同考点相关题目
- If an insurer takes adverse action (declines or rates coverage) based on a consumer report, the FCRA requires the insurer to:
- An investigative consumer report differs from an ordinary consumer report because it:
- HIPAA privacy rules require insurers to:
- A substandard (rated) risk is one who:
- Statements an applicant makes on a life or health application are generally treated as:
- A misrepresentation on an application will let the insurer void the contract during the contestable period only if the misrepresentation is:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)