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NJ HEALTH INSURANCE EXAM (XCEL SOLUTIONS) EXAM | QUESTIONS & ANSWERS (VERIFIED) | LATEST UPDATE | GRADED A+ $15.49
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NJ HEALTH INSURANCE EXAM (XCEL SOLUTIONS) EXAM | QUESTIONS & ANSWERS (VERIFIED) | LATEST UPDATE | GRADED A+

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1 NJ HEALTH INSURANCE EXAM (XCEL SOLUTIONS) EXAM | QUESTIONS & ANSWERS (VERIFIED) | LATEST UPDATE | GRADED A+ Why are dividends from a mutual insurer not subject to taxation? Correct Answer: because dividends are considered to be a return of premium ABC insurance company transfers part o...

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  • 5 mars 2024
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1 NJ HEALTH INSURANCE EXAM (XCEL SOLUTIONS) EXAM | QUESTIONS & ANSWERS (VERIFIED) | LATEST UPDATE | GRADED A+ Why are dividends fr om a mutual insurer not subject to taxation? Correct Answer: because dividends are considered to be a return of premium ABC insurance company transfers part of their risk to XYZ insurance company. This situation is called Correct Answer: reinsurance A nonparticipating company is sometimes called a(n) Correct Answer: stock insurer What is considered to be the primary reason for buying life insurance? Correct Answer: provide death benefits A(n) _____ company is owned by its shareholders 2 Correct Answer: stock A plan in which an employer pays insurance benefits from a fund derived from the employer's current revenues is called Correct Answer: a self -funded plan What is the primary purpose of a rating service company such as A.M. Bes t? Correct Answer: determine financial strength of an insurance company Karen is a producer who has obtained personal information about a client without having a legitimate reason to do so. Under the McCarran -Ferguson Act, what is the minimum penalty f or this? Correct Answer: $10,000 A nonparticipating policy will Correct Answer: not pay dividends A life insurance company has transferred some of its risk to another insurer. The insurer assuming the risk is called the Correct Answer: reinsurer Ken is a producer who has obtained Consumer Information Reports under false pretenses. Under the Fair Credit Reporting Act, what is the maximum penalty that may be imposed on Ken? 3 Correct Answer: $5,000 A type of insurer that is owned by its policyow ners is called Correct Answer: mutual Fraternal Benefit Society has each of the following characteristics EXCEPT incorporated without capital stock exists for profit exists for the benefit of its members Correct Answer: exists for profit The Do Not Call Registry offers exemptions for calls placed from all of the following EXCEPT charities political organizations insurance sales calls surveys Correct Answer: insurance sales calls What kind of life insurance policy issues by a mutual ins urer provides a return of divisible surplus? Correct Answer: participating life insurance policy 4 An insurer's ability to make unpredictable payouts to policyowners is called Correct Answer: liquidity An insurer's claim settlement practices are regu lated by the Correct Answer: state insurance departments Which of the following is NOT considered advertising? a rating from a rating service company, such as A.M. Best an illustration a sales presentation direct mailing from an agency Correct Answer: a rating from a rating service company, such as A.M. Best The Fair Credit and Reporting Act's main purpose is to Corr ect Answer: protect consumers with guidelines regarding credit reporting and distribution When the principle gives the agent authority in writing, it's referred to as Correct Answer: express authority What are an applicant's statements concerning occupation, hobbies, and personal health history regarded as?

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