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  3. Whole life is permanent insurance protection that protects you for your whole

Whole life is permanent insurance protection that protects you for your whole

游客2023-10-07  36
问题    Whole life is permanent insurance protection that protects you for your whole life, from the day you purchase the policy until you die, as long as you pay the premiums(保险费).
   Whole life can be a solid foundation. Upon this foundation you can build a long-term financial plan, because it guarantees lifetime protection for your family or business.
   Whole life insurance provides basic insurance protection, plus Mortgage protection, Estate preservation, Retirement funding, Charitable giving, Business needs...
   A life insurance agent will help you determine an amount of insurance needed to protect your family or business in the event of your death.
   Generally after the first year, the policy begins to increase cash value. The amount of cash value in your policy usually increases every year. This money can be used to help purchase a home, fund a child’s education, add to retirement income, or for any other purpose. You may also choose to leave it in the policy and allow it to grow.
   A whole life policy can earn dividends. Dividends are determined by the company’s board of directors each year and are not guaranteed. When a dividend is payable, you may choose to take it in cash, use it to buy more insurance or to pay or reduce your premiums.
   When you die, the company will pay your beneficiaries the death benefit, usually the face amount of the policy plus any dividend. This money is generally received by the beneficiaries free from income tax.
选项 A、It’s permanent insurance protection from the day you were born until you die.
B、It’s permanent insurance protection that protects you for your whole life, from the day you buy it until you die.
C、It’s insurance protection for your whole family members.
D、It’s income protection insurance.
答案 B
解析 题干意为“终身人寿保险是什么?”从原文第一段第一句话“Whole life is permanent insurance protection that protects you for your whole life, from the day you purchase the policy until you die”可以得知，终身人寿保险期限是从你购买保险的那天开始直至死亡之日的，故选Bo
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