A life insurance policy that has a constant premium through the life of the policy is called a

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问题 A life insurance policy that has a constant premium through the life of the policy is called a

选项 A、term life policy
B、whole life policy
C、universal life policy
D、fixed-rate life policy

答案B

解析答案为B项。term life insurance“定期寿险”，是指在固定年期内提供人寿保障的保单。若投保人在承保期及保单生效期内身故，保险公司便须支付有关保额。若投保人在承保期结束后仍然健在，保险公司一般无需支付任何款项，而且保单亦会宣告期满。whole life insurance“终身寿险”，是提供终身保障的保险。它承担被保险人死亡保险的给付保障责任，该险种不论被保险人何时死亡，只要发生约定的被保险人死亡事件，保险公司都必定要给付全额保险金。终身寿险有现金价值，这是区别于定期寿险之处。universal life insurance“万能寿险”。保单持有人为获得保险保障要支付保费，还要单独支付一笔费用以获得投资于一种投资工具的权利，该投资工具支付的利率高于终身寿险保单提供的信贷利率。它与传统的寿险相比，具有非约束性、缴费灵活、保额可调整的特点。终身人寿保险单规定有固定的保险费率。故本题选B项。

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本试题收录于： FECT综合（现代金融业务）题库金融英语（FECT）分类

FECT综合（现代金融业务）

金融英语（FECT）

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