保险基本原理第 590 / 716 题
A misrepresentation on an application will let the insurer void the contract during the contestable period only if the misrepresentation is:
a.About the beneficiary's date of birth
b.Made by the producer rather than the applicant
c.Material, meaning it affected the insurer's decision to issue or rate the policy
d.Trivial and unrelated to the risk, yet still enough by itself to let the insurer rescind the contract
解析
Only a material misrepresentation, one that influenced underwriting, allows rescission. Trivial errors, beneficiary details, and producer statements generally do not void the contract.
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同考点相关题目
- An applicant with better-than-average health and lifestyle who qualifies for the lowest available rates is classified as a:
- A substandard (rated) risk is one who:
- Statements an applicant makes on a life or health application are generally treated as:
- Concealment is best defined as:
- A waiver, as the term is used in insurance, is:
- Estoppel refers to:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)