aflac Questions And Answers Graded A+

Accident Only coverage from Aflac may be appropriate for a customer because: - Benefits are designed to provide coverage throughout the different stages of care Benefits can complement coverage provided by primary major medical insurance Short-Term Disability coverage from Aflac may be appropriate for a customer because: - all of the above Accident Only coverage from Aflac is designed to provide: - Accidents only coverage for covered accidents Aflac's Accident Only coverage provides coverage for a covered accident that occurs two days before the Effective Date of coverage. - False The following are all characteristics of Individual Accident Only coverage from Aflac, except: - Benefits are coordinated with major medical coverage Aflac's Accident Only coverage includes coverage for accidents caused by or resulting from a covered person: - Breaking their arm after slipping on ice Aflac Short-Term Disability coverage is not coordinated with other benefits and pays __________ other insurance you may have. This includes federal and state employer-sponsored plans. - Regardless of any A policyholder's spouse and dependents are eligible for disability on the base policy. - False Short-Term Disability coverage from Aflac offers: - Some protection against lost wages Pregnancy benefits are typically payable after _____ months. - 10 months Vision coverage from Aflac is designed to provide: - all of the aboveThe Vision Now policy is guaranteed-renewable - Policyholders lifetime The Vision Now policy excludes cosmetic surgery that is not due to eye disease, disorder, or injury. - true Eye exams are payable during the first 30 days of coverage - True If the policyholder changes his or her Vision Correction Benefit Option, this benefit will be subject to a new waiting period, if any, beginning with the effective date of the new option. - true Aflac's dental product requires pre-certification. - False Dental coverage from Aflac offers benefits that include: - All of the above Individual Dental coverage from Aflac may be appropriate for a customer because? - all of the above Aflac's dental policy includes two optional riders: the Orthodontic Benefit rider and the Cosmetic Benefit rider. The ____________ is payable on an after-tax basis only. - Cosmetic Benefit Aflac's dental product requires network participation. - False Aflac's Term Life may be appropriate for adult customers looking for life coverage for: - 10,20,30 years Whole Life may be appropriate for a customer interested in: - Permanent coverage that builds cash value Life benefits cannot be paid directly to minor children. - trueTerm Life insurance is typically characterized by: - Low premiums and no cash value Which provision will pay a portion of the death benefit prior to the insured's death due to a terminal condition? - Accelerated death benefit for a terminal illness Which of the following should you ask yourself before sending an email? Select all that apply. - All of the above GLBA, HIPAA and HITECH protect: - all of the above Examples of Protected, Personal, and Financial Information include - Select all that apply. - all of the above A complex password contains upper and lower case letters, numbers, and special characters. - true Incentive programs include - all of the above A situation that arises during the sale of insurance coverage to a customer in which an agents self interst interferes with their obligation to act in the best interest of a customer is called - COnflict of interst Non insurance items or services offered to an insured potential insured or employer that are not a benefit explicitly offered in a policy contract - value added services When underwriting standards require each proposed insured to sign application or enrollment forms in the agents presence it satisfies the underwriting standard to have primary insured and spouse sign applications in your presence/ - True In your local radio stations requests an interview with you to discuss aflac insurance products in your capacity as an aflac sales agent are you authorized to speak with the station? - No, onlyindividuals authorized by aflac worldwide HQ are permitted to discuss aflac or its products with the media