Primerica Life Producer Exam Practice Test 2025 – Complete Prep Resource

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Question: 1 / 400

Which option is typically not a standard feature of life insurance policies?

Death benefit

Cash value accumulation

Guaranteed annual returns

In life insurance policies, a guaranteed annual return is typically not a standard feature. Most life insurance products, particularly term life insurance, focus on providing a death benefit — the amount paid out to beneficiaries upon the insured's passing — rather than guaranteeing investment returns.

Whole life or universal life policies may have a cash value component that grows over time, which can sometimes provide returns, but these are not guaranteed in a way that resembles investment vehicles like savings accounts or bonds. Furthermore, a premium payment schedule and the death benefit are standard features that are clearly defined in the terms of the policy. Thus, the absence of guaranteed annual returns distinguishes this option from the others, making it the correct choice in the context of standard life insurance features.

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