团体寿险与年金第 684 / 716 题
A key advantage of the group life conversion privilege is that the departing employee:
a.Keeps the employer's premium contribution
b.Receives a lower premium than the group rate
c.Converts the group coverage to an individual term policy at no cost to the employee for the first full year
d.Does not have to prove insurability, which is valuable for someone in poor health
解析
The conversion privilege's main value is guaranteed insurability, no medical exam, which matters most for someone whose health has declined. The individual premium is usually higher, and the employer no longer contributes.
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同考点相关题目
- 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:
- When an employee leaves a job covered by group term life, the conversion privilege usually allows them to convert to:
- 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:
- Which is a COBRA qualifying event that can extend continuation up to 36 months for dependents?
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)