Paper III — Long Term Insurance · Part 3: Benefit Riders and Other Products
Q1免費 Free
以下關於豁免保費附加保障的陳述，哪些正確？
I. 在被保人完全傷殘時，豁免其繳付主保單保費
II. 在被保人死亡後繼續為其家屬繳付保費
III. 允許被保人在退休後停止繳費
Which of the following statements about 豁免保費附加保障 are correct?
I. Waive premiums for the main policy if the insured becomes totally disabled
II. Continue paying premiums for the insured's family after the insured's death
III. Allow the insured to stop paying premiums after retirement
The core function of the WP Benefit Rider is: when the insured becomes totally disabled due to illness or accident, subsequent premiums on the main policy are waived, keeping the policy in force.
This ensures the policy remains valid even if the insured loses earning capacity and cannot pay premiums.
This rider does not provide additional benefits but is a premium cost protection mechanism.
Q2免費 Free
傷殘收入保障（Disability Income）的主要目的是：
The primary purpose of Disability Income coverage is:
A. 在被保人因傷殘而無法工作期間，提供定期收入替代
B. 支付住院及手術費用
C. 一次過支付整筆傷殘賠償金
D. 提供意外死亡賠償
A. Provide periodic income replacement while the insured is unable to work due to disability
Disability income coverage aims to provide periodic (e.g. monthly) income replacement when the insured is unable to work due to illness or accident, helping to maintain their standard of living.
Hospitalization expense coverage falls under health insurance, not disability income coverage.
Disability income is typically paid monthly, not as a lump sum (lump-sum payment is characteristic of disability lump sum coverage).