【米国生命保険ライセンス4】Clauses, Provisions, Options and Exclusions

Q1.Which of the following is an example of a nonforfeiture option?

• Conversion option
• Reduced Paid0Up option
• Inflation Option
• Guaranteed insurability option

A. Reduced Paid-Up option

解説：nonforfeiture option（不可没収条項）の例は、Reduced Paid-Up option

Q2.What provision in a life insurance policy states that the application is considered part of the contract?

• Application provision
• Policy Exclusions provision
• Entire Contract provision
• Incontestability provision

A. Entire Contract Provision

解説：Applicationを契約の一部と考えるのはどのProvisionか？Entire Contract provision

Q3.Which of the following statements is CORRECT about accelerated death benefits?

• The full face amount is available as an accelerated benefit
• Those on Social Security disability automatically qualify for this benefit
• This provision is usually provided with an increase in premium
• Must have a terminal illness to qualify

A. Must have a terminal illness to qualify

解説：生前給付の内容として正しいのは、”Must have a terminal illness to qualify”

Q4.The Consideration clause in a life insurance contract contains what pertinent information?

• Summary of benefits
• Offer and acceptance
• Entire Contract
• Amount of premium payments and when they are due

A. Amount of premium payments and when they are due

解説：Consideration clauseは保険料の払込回数や金額を規定する条項。

Q5.The agreement in a life insurance contract that states a specific sum of money will be paid to a designated person upon an insured’s death is called a:

• Entire Contract provision
• Consideration clause
• Insuring agreement
• Assignment agreement

A. Insuring agreement

解説：Insuring agreementは、保険会社が引き受けるリスクの設定や、提供される補償範囲を定義するための保険契約の条項。