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質問 1：
A reinstatement clause outlines reinstatement conditions that include
A. A decrease in policy limits.
B. Proof of insurability.
C. Payment of outstanding loans within the year.
D. A higher premium charge.
正解：B
解説: (Pass4Test メンバーにのみ表示されます)
質問 2：
What is the purpose of the automatic premium loan rider?
A. Protects the policyowner against an unintentional lapse of coverage.
B. The insurer will pay the premium if the insured is permanently disabled.
C. Guarantees the insured the right to purchase additional insurance without evidence of insurability.
D. Allows partial surrender of a term policy.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 3：
An immediate annuity is designed to make its first benefit payment to the annuitant typically
A. Only after all cash surrender values, with interest, have been calculated.
B. When the accumulation period, of at least 24 months, ends.
C. In the form of a lump sum payment.
D. One month from the annuity's purchase date.
正解：D
解説: (Pass4Test メンバーにのみ表示されます)
質問 4：
Which of the following transactions would not be subject to income tax under a Modified Endowment Contract (MEC)?
A. The death benefit.
B. Policy loans.
C. Policy withdrawals.
D. Dividend surrenders.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 5：
The settlement option that allows proceeds to remain with the insurer and the earnings to be paid to the beneficiary on a monthly basis is called
A. Interest only.
B. Fixed amount.
C. Lump sum.
D. Fixed period.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
A reinstatement clause outlines reinstatement conditions that include
A. A decrease in policy limits.
B. Proof of insurability.
C. Payment of outstanding loans within the year.
D. A higher premium charge.
正解：B
解説: (Pass4Test メンバーにのみ表示されます)
質問 2：
What is the purpose of the automatic premium loan rider?
A. Protects the policyowner against an unintentional lapse of coverage.
B. The insurer will pay the premium if the insured is permanently disabled.
C. Guarantees the insured the right to purchase additional insurance without evidence of insurability.
D. Allows partial surrender of a term policy.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 3：
An immediate annuity is designed to make its first benefit payment to the annuitant typically
A. Only after all cash surrender values, with interest, have been calculated.
B. When the accumulation period, of at least 24 months, ends.
C. In the form of a lump sum payment.
D. One month from the annuity's purchase date.
正解：D
解説: (Pass4Test メンバーにのみ表示されます)
質問 4：
Which of the following transactions would not be subject to income tax under a Modified Endowment Contract (MEC)?
A. The death benefit.
B. Policy loans.
C. Policy withdrawals.
D. Dividend surrenders.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
質問 5：
The settlement option that allows proceeds to remain with the insurer and the earnings to be paid to the beneficiary on a monthly basis is called
A. Interest only.
B. Fixed amount.
C. Lump sum.
D. Fixed period.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)
漆原** -
いやー本当にすげーわ。この問題集を購入したんだけど、三日前にNJ-Life-Producerの試験に受けて、試験にある内容はほぼ問題集に出てて凄かった。合格しました。Pass4Testさん、今後もお世話になります！