Many long-term care policies offer a return of premium benefit at time of death of the insured if the policy has been claims-free. The amount returned (refunded) will vary from contract to contract. Listed below are statements relating to the ROP rider: 1. ROP is usually a function of the number of years the policy has been in force and claims-free: 2. As much as 50% of premiums paid for a 10-year period can be refunded 3. As much as 100% for the premiums for 20 years can be refunded 4. The cost of the rider can add anywhere from 25% to 50% to the basic policy fee 5. Benefits paid under a ROP benefit are paid tax-free Which of the above statements are correct? Select one: a. 1, 2, 3 & 5 b. 1, 3, 4 & 5 C. They are all correct. d. 1,2,3 & 4 4

Many long-term care policies offer a return of premium benefit at time of death of the insured if the policy has been claims-free. The amount returned (refunded) will vary from contract to contract. Listed below are statements relating to the ROP rider: 1. ROP is usually a function of the number of years the policy has been in force and claims-free: 2. As much as 50% of premiums paid for a 10 -year period can be refunded 3. As much as 100% for the premiums for 20 years can be refunded 4. The cost of the rider can add anywhere from 25% to 50% to the basic policy fee 5. Benefits paid under a ROP benefit are paid tax- free Which of the above statements are correct? Select one: a. 1,2,3&5 b. 1. 3.4&5 c. They are all correct. d. 1,2,38.4