团体寿险与年金第 682 / 716 题
In a contributory group plan, where employees pay part of the premium, insurers commonly require a minimum participation of about:
a.75% of eligible employees
b.10% of eligible employees
c.100% of eligible employees
d.0%, with no minimum
解析
Contributory plans typically require around 75% participation to spread risk and limit adverse selection. Requiring 100% is the noncontributory rule, and very low thresholds would invite adverse selection.
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同考点相关题目
- In group life insurance, the individual employee receives a ________ while the employer holds the ________:
- Group life underwriting typically:
- In a noncontributory group plan, the employer pays the entire premium, so insurers usually require:
- When an employee leaves a job covered by group term life, the conversion privilege usually allows them to convert to:
- A key advantage of the group life conversion privilege is that the departing employee:
- Under federal tax rules, employer-paid group term life premiums are tax-free to the employee only up to ________ of coverage; the cost of coverage above that is taxable income to the employee:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)