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FLORIDA HEALTH AND LIFE INSURANCE EXAM 2024 AND PRACTICE EXAM TEST BANK | 450 ACCURATE REAL EXAM QUESTIONS WITH VERIFIED ANSWERS | ACCURATE FOR GUARANTEED PASS | GRADED A$19.99
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FLORIDA HEALTH AND LIFE INSURANCE EXAM 2024 AND PRACTICE EXAM TEST BANK | 450 ACCURATE REAL EXAM QUESTIONS WITH VERIFIED ANSWERS | ACCURATE FOR GUARANTEED PASS | GRADED A
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FLORIDA HEALTH AND LIFE INSURANCE
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FLORIDA HEALTH AND LIFE INSURANCE
FLORIDA HEALTH AND LIFE INSURANCE
EXAM 2024 AND PRACTICE EXAM TEST
BANK | 450 ACCURATE REAL EXAM
QUESTIONS WITH VERIFIED ANSWERS |
ACCURATE FOR GUARANTEED PASS |
GRADED AFLORIDA HEALTH AND LIFE INSURANCE
EXAM 2024 AND PRACTICE EXAM TEST
BANK | 450 ACCURATE REAL EXAM
QUESTIONS WITH V...
FLORIDA HEALTH AND LIFE INSURANCE
EXAM 2024 AND PRACTICE EXAM TEST
BANK | 450 ACCURATE REAL EXAM
QUESTIONS WITH VERIFIED ANSWERS |
ACCURATE FOR GUARANTEED PASS |
GRADED A
K, age 45 and his wife age 43 have 3 children. They purchase a family policy that
covers K's wife until 65. All of these will pay a death benefit except -
ANSWER>>wife dies at age 66
If an individual has an Accidental Death and Dismemberment policy and dies,
and autopsy can be performed in all these situations, EXCEPT: -
ANSWER>>When the state prohibits this by law
P is a producer who notices 5 questions on a life application were not answered.
What actions should P take? - ANSWER>>Set up a meeting with the applicant to
answer the remaining questions
A disability elimination period is best described as a: - ANSWER>>time
deductible
Which type of insurance company allows their policyowners to elect a governing
body? - ANSWER>>Mutual
Two partners own equal shares in a business worth a total of $1,000,000. If they
both commit to the purchase of a life insurance policy that will fund a Buy-Sell
,Agreement, which of the following is TRUE? - ANSWER>>Each partner owns a
$500,000 policy on their partner's life
N is a student pilot with a large life insurance policy. Which of these features
would limit the insurer's obligation in the event N was killed while flying as a
student pilot? - ANSWER>>Exclusion
Which of these types of policies may NOT have the Automatic Premium Loan
provision attached to it? - ANSWER>>decreasing term
A provision in a life insurance policy that pays the policyowner an amount that
does not surpass the guaranteed cash value is called the - ANSWER>>policy loan
provision
Which rider provides coverage for a child under a parent's life insurance policy? -
ANSWER>>child term rider
Which of these life insurance riders allows the applicant to have excess coverage?
- ANSWER>>term rider
Automatic Premium Loan Provision is designed to - ANSWER>>avoid a policy
lapse
How do life insurance companies handle cases where the insured commits
suicide within the contract's stated Contestable period? - ANSWER>>claims are
denied under the suicide clause of the policy
,Accidental Death and Dismemberment provision in a life insurance policy would
pay additional benefits if the insured - ANSWER>>is blinded in an accident
All of these Settlement options involve the systematic liquidation of the death
proceeds in the event of the insured's death EXCEPT - ANSWER>>interest only
which of the following provisions guarantees that premiums will be waived if the
juvenile life policy owner becomes disabled - ANSWER>>payor clause
K pays on a $20,000 20-Year Endowment policy for 10 years and dies from an
automobile accident. How much will the insurance company pay the beneficiary?
- ANSWER>>20K death benefit
the ___ has the right to change a life insurance policy beneficiary -
ANSWER>>policyowner
which statement regarding the misstatement of age provision is considered to be
true - ANSWER>>coverage will be adjusted to reflect the true age if it is
discovered
what action can a policy owner take if an application for a bank loan requires
collateral - ANSWER>>assign policy ownership to the bank
An insured is past due on his life insurance premium, but is still within the Grace
Period. What will the beneficiary receive if the insured dies during this Grace
Period? - ANSWER>>full face amount minus any past due premiums
, The incontestable clause allows an insurer to - ANSWER>>contest a claim during
the contestable period
According to Mandatory Uniform Policy Provisions, what is the maximum
amount of time after the premium due date during which the policy remains in
force even though the premium has not been paid? - ANSWER>>31 days
G purchased a Family Income policy at age 40. The policy has a 20-year rider
period. If G were to die at age 50, how long would G's family receive an income?
- ANSWER>>10 years
E and F are business partners. Each takes out a $500,000 life insurance policy on
the other, naming himself as primary beneficiary. E and F eventually terminate
their business, and four months later E dies. Although E was married with three
children at the time of death, the primary beneficiary is still F. However, an
insurable interest no longer exists. Where will the proceeds from E's life
insurance policy be directed to? - ANSWER>>F
The Health Insurance Portability and Accountability Act (HIPAA) gives privacy
protection for: - ANSWER>>health information
What do Dread Disease policies cover? - ANSWER>>A specific disease or illness
When an insurance application is taken by a producer, which of these statements
is true? - ANSWER>>Any changes made on the application require the
applicant's initials
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