Owen Bowers has a life insurance policy which he has modified to include an accidental death benefit payable to his son and daughter. This modification to the policy. has most likely been done by attaching a(n). Multiple Choice C accelerated benefits clause guaranteed insurability clause policy dividend second-to-die rider double indemnity provision
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- Non-forfeiture provisions are included in whole life and endowment policies to assure the policyowner that certain minimum policy benefits shall remain with him even under certain changed conditions. Non-forfeiture values guarantee to the policyowner that A) No death claim will be denied for any misstatement on the application B) Any guaranteed policy values will belong to the policy owner even if premium payments are discounted The face amount of the policy will remain the same even if the insured's health becomes impaired The premium on the policy will remain the same even when another beneficiary D) is added to the policy3. With respect to foreclosure, give the reason you agree or disagree with the statements below: a. A foreclosure sale eliminates the outstanding debt(s) of the individual being foreclosed. b. Proceeds of a foreclosure sale are distributed to those holding a lien on the property on the basis of the percentage of total debt each is owed. c. Foreclosure means the senior mortgage loan lender automatically takes ownership of the property.Matthew owns an insurance policy (face amount of $1,390,000) on the life of Emily with Uma listed as the designated beneficiary. If Emily dies first and the $1,390,000 is paid to Uma, how much is included in the following gross estates? If an amount is zero, enter "0". a. Matthew's gross estate? b. Emily's gross estate?
- Which of the following statements is CORRECT about beneficiary dispon A ОВ Ос D. By naming an revocable beneficiary, a policyowner forkerts the right to change the beneficiary A primary beneficiary may not be a minor A primary beneficiary and a contingent beneficiary each receive one hall of the proceeds In group insurance, the employer is the beneficiary for each employee wwwJ owns a Disability Income policy Before purchasing the policy, I suffered a major back injury that is specifically excluded for coverage under the policy. The clause in J's policy that EXCLUDES back injury claims is found in lhe: A.Guaranteed Insurability rider B. Recurrent Disability clause C. Concurrent Disability clause D. Impairment rider1.Subject to the terms of the Deed of Trust, the Appointor of a trust can ordinarily nominate a replacement "Appointor " in their Will? True False 2.Which of the following structures would you recommend as a tool by which an individual after their death can ensure the continued care of a disabled family member, whilst ensuring it does not consequentially risk the continued entitled to pensions or other government entitlements? Testamentary trust Life interest Deed of Family Arrangement Family trust Superannuation fund 3. Subject to the terms of the Deed of Trust, an individual Trustee of a trust can ordinarily nominate a replacement "Trustee" in their Will? True or False?
- Kristen signs a one-year lease for a mobile home owned by Lamont. If Kristen dies during the lease term, the lease interest. 1. automatically renews 2. returns to Lamont 3. passes to Kristen's heirs as personal property 4. automatically expiresRecording For which of the following losses would an insurance company MOST likely pay benefits under an Accidental Death and Dememberment polky? COA Loss of life due to a heart attack OB. OC SOD. Loss of eyesight due to an accidental inbry Loss of the spleen due to an accidental inby Partial paralyds due to a strokeArnold, age 75, established an irrevocable trust to benefit his grandson, Randolph. Randolph will receive trust income annually until he reaches the age of 30. The trust will then terminate and all the principal of the trust will be distributed to Ashley, Arnold's 30 year old wife. Which of the following statement(s) is/are correct regarding Generation Skipping Transfer Tax (GSTT)? 1. If Randolph's father (Arnold's son) is deceased at the time the irrevocable trust is established, then Randolph is a nonskip person. II. If Ashley is not the spouse of Arnold when the trust terminates, then she is a skip person. A. I only. B. Il only. C. Both I and II. D. None of the above.
- 7 which of the following statements is correct about an ordinary life policy A premium payment can be increased or decrease at the discretion of the premium payer B the beneficiary designation can be changed to another person only if that person a medical examination C the policy owner may borrow against the cash value of the policy D The named beneficiary must submit evidence of continuing insurable interest in the life of the insuredCalculator The Coinsurance cause in an individual Medical Expense policy refers to the OA insured's rights to have another person, such as a spose or dinned on the same poky OB. company cay esse corage op insurance company's right to join with and insurance company's right to share OC in ce with another c Insurance company's right to the hosto de detale percentage of the cost of com OD.Rebecca, age 53, died suddenly of a heart attack. She leaves behind her husband Chris and her three teenage sons, Calvin, Cameron and Craig. Rebecca does not have a will and leaves behind the following assets: House $800,000 (Joint Ownership with Chris) Non-registered Portfolio $273,593 (Individually owned) RRSP $370,068 (Beneficiary: Chris) Life insurance $309,927 (Beneficiary: Estate) Assuming that Rebecca lives in Ontario, how much will each of her sons inherit from her estate? Round your answer to the nearest dollar.