保单结构与条款第 515 / 531 题
Mid-term, an insurer broadens the coverage of its standard form without charging more for it. Under the liberalization clause the change:
a.Applies to policies already in force
b.Applies only to policies written afterward
c.Applies if the insured requests it in writing
d.Applies only at the next renewal date
解析
The liberalization clause hands existing policyholders any broadening the insurer adopts for that form at no additional premium, automatically and without an endorsement. Requiring a written request or waiting for renewal would defeat the purpose, which is to avoid amending thousands of policies one at a time. It works in one direction only: narrowing coverage takes a proper endorsement or a new form.
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