AZ-Insurance-Producer-Life 試験問題を無料オンラインアクセス

What is the extended term nonforfeiture option in a life insurance policy?

• A.converts policy cash value to term insurance for the same face amount
• B.invests the cash value to increase policy benefits
• C.uses cash value to purchase reduced paid-up insurance
• D.extends the policy coverage beyond original term

What is the defining characteristic of an alien insurer?

• A.Incorporated outside the United States.
• B.Incorporated in another state.
• C.Chartered within the same state.
• D.Operates without a Certificate of Authority.

Which of the following statements is TRUE regarding Waiver of Premium Rider?

• A.The policy ' s cash value will continue to grow, but at a slower rate because the insured is no longer paying premiums.
• B.The insured will automatically become eligible for Accelerated Death Benefits.
• C.The death benefit will be reduced by the amount of the unpaid premiums.
• D.There will be no change in the policy ' s rates, benefits, or options other than that the insured no longer has to pay the premiums on the policy.

Which rider includes coverage for the insured ' s spouse and children?

• A.Jumping juvenile
• B.Payor benefit
• C.Guaranteed insurability
• D.Family

An insurance policy is a contract of utmost good faith because the insurer relies on the truthfulness of the applicant and the insured relies on the insurer ' s promise to

• A.pay claims.
• B.issue a policy.
• C.charge a fair premium.
• D.file reports with the insurance department.