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HG · 2021年04月01日

老师这个A项说的是non-forfeiture的条款的哪一个呢?是提前退保吗?

* 问题详情,请 查看题干

NO.PZ201704060100000106

问题如下:

The whole life insurance policy feature described by Lansky is a:

选项:

A.

non-forfeiture clause.

B.

waiver-of-premium rider.

C.

guaranteed insurability rider.

解释:

A is correct.

The whole life insurance policy feature described is a non-forfeiture clause, whereby there is the option to receive some portion of the benefits if premium payments are missed (i.e., before the policy lapses).

老师这个A项说的是non-forfeiture的条款的哪一个呢?是提前退保吗?

3 个答案

王暄_品职助教 · 2021年04月02日

个人IPS强化串讲讲义第43页的下半部分,讲到了,老师请看一下,谢谢

————

看见了,这是non-foreiture clause的进一步分类,重点是说清楚保险公司如何在保费不交或迟交之后,给投保人一个合适的理赔。


题干中这句话“one feature of the policy provides for a portion of the benefites to be paid even if a premium payment is late or missed”可以体现是non-forfeiture clause,但没有体现non-forfeiture clause的进一步分类。这句话只是说:【investor想确保保费不交或迟交后,依然能够拿到或多或少的保额】,所以直接就是non-forfeiture clause



王暄_品职助教 · 2021年04月01日

non-forfeiture clause我没在讲义里找到你提到的这三种,可否截图我看一下。

我这里给你截图看看原版书给出的解释【看我下面高亮的地方】:

王暄_品职助教 · 2021年04月01日

Non-forfeiture clause是寿险里的额外增加项,即尽管某次保费迟交或漏交,被保人依然有权利要求保险公司给benefits,或是要求保险公司付部分benefit。


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