Which of the following does a life insurance policy summary normally include?

• A. The Policy's Cash Value
• B. The Premiums Due Date
• C. The Insurer's Rating
• D. The Beneficiary's Date of Birth

Answer: (D)

A policy summary is meant to give a quick, identifying snapshot of the policy and the people connected to it. Including the beneficiary’s date of birth helps uniquely identify the beneficiary and reduce the chance of confusion or misdelivery when benefits are paid. Naming the beneficiary and confirming who they are (often with a date of birth alongside the name) makes it clear who should receive the proceeds.

The other items aren’t as universally included. Cash value appears only in policies that build cash value (like whole life or universal life), so it isn’t guaranteed to be on every summary. The insurer’s rating is external information, not part of the policy’s basic terms. The premiums due date may be referenced elsewhere, but it isn’t consistently part of every policy summary.