Chartered Retirement Planning Counselor (CRPC) Practice Exam 2026 - Free CRPC Practice Questions and Study Guide

A non-springing durable power of attorney is designed to give authority to an appointed agent to act on behalf of the principal even after the principal becomes incapacitated. This type of power of attorney is effective immediately upon being executed, meaning the agent has the authority to make decisions and take actions for the principal without waiting for the principal to become incapacitated.

This differs from a springing power of attorney, which only becomes effective upon a specific event, usually the incapacitation of the principal. Therefore, the non-springing durable power of attorney ensures that there is no interruption in decision-making or management of affairs, providing continuity and support, especially during periods when the principal may be unable to manage their own affairs due to health reasons.

The other options don't accurately reflect the functionality of a non-springing durable power of attorney; for instance, it does not cease to exist upon incapacity, nor does it function only after the principal's death or provide temporary powers. This makes option B the most accurate representation of what a non-springing durable power of attorney entails.