California Life-Only Agent Exam, Life Policy Riders: all 15 questions

All questions from the Life Policy Riders section for California Life-Only Agent Exam, each with the correct answer.

• 13001A waiver of premium rider
• 13002An accidental death benefit rider pays
• 13003A guaranteed insurability rider allows the insured to
• 13004A cost of living rider
• 13005An accelerated death benefit rider allows the insured to
• 13006Long-term care training is required for an agent who
• 13007How many hours of long-term care training must an agent complete before soliciting individual consumers for LTC insurance?
• 13008After the fifth year of licensing, long-term care training must be completed
• 13009A no-lapse guarantee in universal life
• 13010A disability income rider
• 13011Guaranteed minimum withdrawal benefit riders on annuities
• 13012Which rider would best meet the need of a parent who wants to ensure a child can buy more insurance later despite poor health?
• 13013Which rider would best protect against the policy lapsing if the insured is disabled?
• 13015Benefits paid under an accelerated death benefit rider reduce
• 13016A critical illness rider pays

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