保险基本原理第 588 / 716 题
A substandard (rated) risk is one who:
a.Presents higher-than-average risk and is charged a higher premium or issued with restrictions
b.Receives the insurer's lowest available premium
c.Represents exactly the average, expected level of risk for the age
d.Cannot be insured under any circumstances and must be declined regardless of the premium offered
解析
Substandard applicants are insurable but at above-average risk, so they pay a rated (higher) premium or accept limitations. They are not uninsurable, preferred, or standard.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)