团体寿险与年金第 683 / 716 题
When an employee leaves a job covered by group term life, the conversion privilege usually allows them to convert to:
a.An individual permanent (whole life) policy without evidence of insurability, at their attained age
b.No coverage whatsoever, because group term life simply cannot be continued in any form after employment ends
c.A cheaper group plan automatically
d.A new group term plan elsewhere
解析
The conversion privilege lets a departing employee convert group term to an individual permanent policy without proving insurability, though at the attained-age premium. It does not provide new group coverage or a discount.
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同考点相关题目
- Group life underwriting typically:
- In a noncontributory group plan, the employer pays the entire premium, so insurers usually require:
- In a contributory group plan, where employees pay part of the premium, insurers commonly require a minimum participation of about:
- 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:
- Federal COBRA generally lets an eligible employee who loses group health coverage continue it for a limited time by:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)