美國人壽保險執照考試模擬試題
人壽類.保單知識(三)
The Grace Period provision protects the policy owner from the unintentional lapse of the contract.
保單持有人因【無意】行為而錯過支付保費等導致保單失效時，Grace Period 將在一定時間內繼續使保單有效。
Jerry is an insured who understated his age on his life insurance application, paying $12 per $1,000 of insurance instead of $15 per $1,000. If he dies, how will the adjusted death benefit be calculated? → 12/15th of the policy's face amount
When an accidental death benefit rider is added to a whole life policy, how does this affect the policy』s cash value?
Whole Life人壽保單添加一個ADB附加條款，並不影響保單的現金價值。
Which rider may pay a portion of death benefit after the insured has been diagnosed with a serious illness
當診斷出患有絕症，Accelerated death benefit （ADB）附加條款可以提前支取部分賠償金。
How is a life insurance policy dividend legally defined?
分紅，Dividend，是保費中的一部分帶來的收益，通常是免稅的。
What does 」guaranteed insurability」 option allow an insured to do?
Guaranteed insurability，讓投保人在未來，無需體檢的情況下，繼續投保或增大保額。
When does a life insurance policy』s waiver of premium take effect?
Waiver of premium，保費豁免條款，當投保人身體殘疾的時候可以幫助實現豁免保費。
How are acts of war and aviation treated under a group life insurance policy?
戰爭和航空事件屬於團體保險的保險免責範圍。
If an insured dies because of an accident, which rider will provide additional coverage?
Accidental death rider，意外身故附加條款，對投保人的意外死亡提供額外的賠付。
Jack is involved in an accident and becomes totally and permanently disabled. His insurance policy continues in force without payment of further premiums. Which policy provision is responsible for this?
Waiver of premium，保費豁免條款，當投保人身體殘疾的時候可以幫助實現豁免保費。
After a policy has lapsed, which provision allows the insured to continue coverage?
Reinstatement provision，該條款可以讓投保人在保單失效後重獲保障。
A life insurance policy can be surrendered for its cash value under which policy provision?
Non-forfeiture options，允許放棄保單，拿回保單里的凈現金值。
Which statement is true regarding policy dividends?
在購買保單的時候，就會選擇分紅的選項：Dividend options 。
Which provision protects the policy owner from unintentional lapse of the contract?
保單持有人因【無意】行為而錯過支付保費等導致保單失效時，Grace Period 將在一定時間內繼續使保單有效。
An insurer can be protected from adverse selection with which following provision?
保險公司可以通過自殺條款（Suicide clause）來保護自身利益。
What time period allows an insured』s life insurance policy to remain in force even if the premium was not paid on the due date?
保單持有人因【無意】行為而錯過支付保費等導致保單失效時，Grace Period 將在一定時間內繼續使保單有效。
Which of these is NOT a valid policy dividend option?
Monthly income payment，按照每月進行收入支付，不屬於保單的分紅支付選項。
Lucy is an insured who understated her age on her policy application, paying $17 per $1000 of insurance of $20 per $1000. If she dies, how will the adjusted death benefit be calculated?
因為虛報年齡，對應的賠付也會因此減少。減少的金額對應成比例。
Tom buys a 15-year renewable term policy, Jerry buy an indexed universal life policy. Which statement is NOT true :
Term Policy，定期壽險，沒有現金價值，因此也無法使用現金值。
Which of the following does a policy owner NOT have a right to change?
Dividend schedule ，分紅的計劃有保險公司決定，不由投保人決定。
What are collateral assignments normally associated with?
Bank loans，銀行貸款，通常和抵押評估聯繫在一起。
What does the grace period allow a life insurance policy owner to do?
保單持有人因【無意】行為而錯過支付保費等導致保單失效時，Grace Period 將在一定時間內繼續使保單有效。因此，如果忘記按時支付保費，grace period 會讓投保人暫時得到保護。
When a life insurance policy is surrendered, how does the cost recovery rule apply?
如果退保，那麼保單的基礎成本費用是免稅的：Cost basis is exempt from taxation。
IN a life insurance policy, the entire contract consists of
保單合約包含了 整個保單合同以及申請的文書：Policy and attached application。
Which of the following is NOT a common life insurance policy rider?
Extended term，不是一個常見的保單附加條款。
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