All of the Following Are Requirements That Must Be Satisfied

question 7

Multiple Choice

All of the following are requirements that must be satisfied before premiums are waived under a waiver-of-premium provision EXCEPT

• A)The insured must furnish proof of disability to the insurer.
• B)The insured must be disabled before some specified age,such as age 60 or 65.
• C)The insured must satisfy the definition of disability.
• D)The insured must satisfy a 2-year waiting period.

---

Definitions:

Avoidance

A defense mechanism involving keeping away from stressful situations or distressing thoughts and feelings to minimize anxiety or discomfort.

Systematic Desensitization Therapy

A behavioral therapy technique designed to reduce phobic or anxiety responses through gradual exposure to the feared object or situation, combined with relaxation exercises.

Feared Stimuli

External objects or situations that provoke a strong fear response due to anxiety, phobias, or traumatic experiences.

In Vivo Exposure

A behavioral therapy technique that involves exposing the patient to the actual anxiety-producing stimuli, rather than imagining the scenario, to help overcome fears or undesirable behaviors.