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Final Exam-Missouri Life and Health questions and answers graded A+ 2025/2026
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Final Exam-Missouri Life and Health questions and answers graded A+ 2025/2026
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Final Exam-Missouri Life and HealthWhich of the following forms of care is commonly not blanketed in a Long-Term Care policy -
ANSAccupuncture
S is near retiring and would really like to purchase a policy that will yield extra gains than bonds,
however will nonetheless protect the primary with minimum stage or threat. Which product could
S be recommended to purchase? - ANSEquity index Insurance
Each life coverage applicant in Missouri is anticipated to be supplied with a(n) - ANSBuyer's
Guide and Policy Summary
The Sections of an coverage agreement which restrict insurance are called: - ANSexclusions
Which of the subsequent is a requirement for obtaining a resident manufacturer license in
Missouri? - ANSPay a $100 license fee
Which entity issues Medicare Supplement Insurance - ANSInsurance Companies
___ of private lifestyles insurance rates is normally deductible for federal profits tax functions -
ANS0%
Which of the subsequent activities may additionally NOT be granted as credit for continuing
training units - ANSMeeting Sales Quota
Which Medicare product calls for use of particular hospitals and physicians for non-emergency
care - ANSMedicare Select
Which of the subsequent could a Medicare Supplement policy cowl? - ANSAllowable amounts
underneath Medicare Part B
What is Old Age and Survivors Health Insurance (OASDHI) also referred to as? - ANSSocial
Security
J would really like to hold the right to exchange beneficiaries. Which beneficiary designation
have to be used? - ANSRevocable
The purpose for backdating a coverage is - ANSTo reap a premium price based on an earlier
age
, In Major Medical Expense rules, what's the objective of a Stop Loss provision - ANSLimits an
insured's out-of-pocket medical prices
What ought to a manufacturer sign when an current life coverage policy is being reissued with a
reduction in coins value? - ANSNotice Regarding Replacement
The aggregate of Whole Life and _____ Term insurance is called a Family Income Policy -
ANSDecreasing
On August 6, D submitted an application for a $50,000 Life Insurance policy and did no longer
pay the preliminary Premium. On August 18, D went to his health practitioner complaining of
chest pains and a few assessments have been given by the physician.... - ANSCollect initial
premium along side a signed health announcement
What provision in a existence insurance policy states that the application is taken into
consideration a part of the contract? - ANSEntire Contract Provision
In Missouri, which of the following is taken into consideration an Unfair Trade Practice -
ANSCoercion
Health Coverage for the management of popular anesthesia and health center expenses for
dental care MUST be supplied to a(n) - ANSChild below the age of 5
At the time of software, most important scientific health plans (such as HMOs) are REQUIRED
to - ANSOffer insurance for prosthetic devices
Credit Life Insurance is - ANSIssued in an quantity now not to exceed the quantity of
indebtedness
Life insurance and annuity substitute can be BEST described as - ANSExchanging an current
coverage for a brand new policy
Insurers may also request a hearing inside ____ if their coverage is rejected - ANS20 days
A prospective insured completes and signs an utility for health insurance but intentionally
conceals data approximately a pre-present heart circumstance. The organisation issues the
Policy.... - ANSContinue coverage however exclude the coronary heart condition
M becomes disabled and is unable to work for 6 months. M dies soon after complications
springing up from this disability. M has a Disability Income coverage that will pay $2,000 a
month. - ANSEarned, however unpaid advantages
Which Unfair Trade Practice involves a manufacturer suggesting that an insurance coverage is
sort of a share of inventory? - ANSMisrepresentation
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