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California Laws and Ethics Pertinent to Insurance
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California Laws And Ethics Pertinent To Insurance
The California Insurance Code defines "policy" as a(n)
accepted offer
promissory arrangement
written contract
written quotation - Answer-written contract
A "policy" as described by the California Insurance Code is a written contract in which one party
promises to indemnify another against los...
California Laws and Ethics Pertinent to Insurance The California Insurance Code defines "policy" as a(n) accepted offer promissory arrangement written contract written quotation - Answer -written contract A "policy" as described by the California Insurance Code is a written contract in which one party promises to indemnify another against loss that arises from an unknown event. The California Insurance Code allows an individual how many days to cancel a life policy for a full -
refund? - Answer -Every policy of individual life insurance shall have a notice stating that after receipt of the policy by the owner, the policy may be retu rned by the owner for cancellation by delivering it or mailing it to the insurer or to the agent through whom it was purchased. This period shall not be less than 10 days nor more than 30 days. Which of the following acts is NOT a Federal offense committed by an insurance agent? Embezzlement Insurance fraud Misrepresentation on an insurance application Falsify records - Answer -Misrepresenting facts on an insurance application is not considered a Federal offense. Which of the following is NOT a primary objective of insurance regulation? Insurance Code enforcement Licensing agents Protect policyowners Interpret policy provisions - Answer -All of these are considered objectives of insurance regulation EXCEPT "interpret policy provisions". Which type of jurisdiction requires an insurer to have its rates accepted by the Insurance Department prior to using them? - Answer -A prior approval state requires that an insurance company receives approval for a new insurance rate before it is sent to th e public. MRMIP is a state program that offers health coverage to California residents who are not able to obtain coverage due to pre -existing conditions state program that assists single parents obtain affordable health coverage for their children Federal program that offers health coverage to California residents who are not able to obtain coverage due to pre -existing conditions Federal program that gives tax credits to help offset the cost of health insurance - Answer -state program that offers health coverage to California residents who are not able to obtain coverage due to pre -existing conditions MRMIP is California's insurance program for people with serious health problems /pre -existing conditions who are not able to buy individual health insurance.
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