January 20 Quetion

#13. Both Universal Life and Variable Universal Life have a a) Flexible premium.

＃13。世界人壽和可變的普遍生活都有一個 a）靈活的溢價。

#9. Which of the following is a feature of a variable annuity? c) Benefit payment amounts are not guaranteed.

＃9。以下哪項是可變年金的特徵？ c）無法保證福利金額。

26. The policyowner wants to make sure that upon his death, the life policy will pay a portion of the proceeds annually to his spouse, but that the principal will be paid to their children when they reach a certain age. Which settlement option should the policyowner choose? a) Interest only option

26.保險人希望確保在他去世後，生活政策將每年向其配偶支付一部分收益，但是當他們達到一定年齡時，本人將支付給他們的孩子。策略所有者應選擇哪個結算選項？ a）僅限利息期權

#2. Which of the following is true of a children's rider added to an insured's permanent life insurance policy? c) It is term coverage that is convertible to permanent insurance at or prior to the child reaching the maximum coverage age.

＃2。對於被保險人的永久人壽保險單中添加的兒童車手，下列哪項是正確的？ c）在兒童達到最高保險年齡時或之前，是可轉換為永久保險的期限保險。

#30. All of the following statements are true regarding tax-qualified annuities EXCEPT b) Employer contributions are not tax deductible.

＃30。除稅收合格年金外，以下所有陳述均屬實 b）雇主繳款不可扣稅。

#31. What is a definition of a unilateral contract? c) One-sided: only one party makes an enforceable promise

＃31。單邊合同的定義是什麼？ c）單方面：只有一方做出可執行的承諾

#32. Which of the following best details the underwriting process for life insurance? a) Selection, classification, and rating of risks

＃32。以下哪項最佳詳細信息是人壽保險的承保程序？ a）風險的選擇，分類和評級

#35. An insured has chosen joint and 2/3 survivor as the settlement option. What does this mean to the beneficiaries? b) The surviving beneficiary will continue receiving 2/3 of the benefit paid when both beneficiaries were alive.

＃35。被保險人選擇聯合和2/3倖存者作為結算選擇。這對受益人意味著什麼？ b）倖存的受益人將繼續領取兩個受益人都活著時支付的養卹金的2/3。

#36. Which of the following is TRUE regarding variable annuities? c) The annuitant assumes the risks on investment.

＃36。關於可變年金，下列哪項是真的？ c）年金承擔投資風險。

#37. A 60-year-old participant in a 401(k) plan takes a distribution and rolls it over to an IRA within 60 days. Which of the following is true? a) The amount of the distribution is reduced by the amount of a 20% withholding tax.

＃37。一個60歲的參與者在401（k）計劃採取分配，並在60天內滾動到IRA。以下內容哪些是對的？ a）分配金額減少20％的預扣稅金額。

#38. Which option is being utilized when the insurer accumulates dividends at interest and then uses the accumulated dividends, plus interest, and the policy cash value to pay the policy up early? c) Paid-up option

＃38。當保險人累積利息的股利，然後使用累積股息加利息和政策現金價值早期支付政策時，哪個選項被利用？ c）清償期權

#3. Which of the following is true regarding taxation of accelerated benefits under a life insurance policy? d) They are tax free to terminally ill insured.

＃3。關於人壽保險的加速福利稅收，以下哪項是真實的？ d）他們對終末病患者免稅。

#40. The policyowner pays for her life insurance annually. Until now, she has collected a nontaxable dividend check each year. She has decided that she would rather use the dividends to help pay for her next premium. What option would allow her to do this? d) Reduction of premium

＃40。保險人每年支付她的人壽保險。到目前為止，她每年都收集了一筆不可分配的股利支票。她決定，她寧願使用股息來支付她的下一個溢價。什麼選項會讓她這樣做？ d）減少保費

#42. Which of the following types of insurance policies would perform the function of cash accumulation? b) Whole life

＃42。以下哪種類型的保險單會履行現金累積的功能？ b）整個生活

#43. All other factors being equal, the least expensive first-year premium payment is found in a) Annually Renewable Term.

＃43。所有其他因素相同，第一年保費最低的費用在 a）每年可再生期限。

#44. What is a material misrepresentation? c) A statement by the applicant that, upon discovery, would affect the underwriting decision of the insurance company

＃44。什麼是重大失實陳述？ c）申請人的聲明，一經發現，將影響保險公司的承保決定

#46. All of the following would be different between qualified and nonqualified retirement plans EXCEPT b) Taxation on accumulation

＃46。除合格和非合格退休計劃外，以下所有情況都有所不同 b）累積稅

#47. What required provision protects against unintentional lapse of the policy? c) Grace period

＃47。什麼要求規定防止無意中失去政策？ c）寬限期

#48. Which of the following is INCORRECT regarding whole life insurance? a) Policy loans are tax deductible.

＃48。關於全人壽保險，以下哪項是不正確的？ a）政策貸款可以免稅。

#49. Which of the following best describes annually renewable term insurance? c) It is level term insurance.

＃49。以下哪項最能描述每年可再生期限保險？ c）是水平術語保險。

#4. Partners in a business enter into a buy-sell agreement to purchase life insurance, which states that should one of them die prematurely, the other would be financially able to buy the interest of the deceased partner. What type of insurance policy may be used to fund this agreement? d) Any form of life insurance

＃4。一家企業的合作夥伴簽署了購買人壽保險的買賣協議，其中規定，如果其中一個人過早死亡，另一個人將在財務上能夠購買已故合夥人的利益。可以使用什麼類型的保險單來為本協議提供資金？ d）任何形式的人壽保險

#51. Which statement is NOT true regarding a Straight Life policy? d) Its premium steadily decreases over time, in response to its growing cash value.

＃51。關於直生活政策，哪個說法不正確？ d）由於其不斷增長的現金價值，其溢價隨著時間的推移而逐漸減少。

#52. Which of the following statements concerning buy-sell agreements is true? b) Buy-sell agreements are normally funded with a life insurance policy.

＃52。以下哪些關於買賣協議的聲明是真實的？ b）買賣協議通常由人壽保險政策資助。

#53. An insurance contract must contain all of the following to be considered legally binding EXCEPT c) Beneficiary's consent.

＃53。保險合同必須包含以下所有被視為具有法律約束力的EXCEPT c）受益人同意。

#55. If a life policy allows the policyowner to make periodic additions to the face amount at standard rates, without proving insurability, the policy includes a b) Guaranteed insurability rider.

＃55。如果生活政策允許保單擁有者以標準費率定期添加面額，而不證明可保險性，則該保單包括 b）保證車輛的可靠性

#57. Which of the following is NOT true regarding the accumulation period of an annuity? a) It would not occur in a deferred annuity.

＃57。關於年金的累積期間，下列哪項不是真的？ a）不會發生在遞延年金。

#58. If an annuitant dies before annuitization occurs, what will the beneficiary receive? a) Either the amount paid into the plan or the cash value of the plan, whichever is the greater amount

＃58。如果年金在年金發生前死亡，受益人將收到什麼？ a）支付給計劃的金額或計劃的現金價值，以金額較大者為準

#6. What is the advantage of reinstating a policy instead of applying for a new one? c) The original age is used for premium determination

＃6。恢復政策而不是申請新政策有什麼好處？ c）原始年齡用於確定保費