Shadow251

Mrs. West wears glasses and dentures and has enjoyed considerable pain relief from arthritis through acupuncture. She is concerned about whether or not Medicare will cover these items and services. What should you tell her? - Medicare does not cover acupuncture, or, in general, glasses or dentures. Mr. Bickford did not quite qualify for the extra help low-income subsidy under the Medicare Part D Prescription Drug program and he is wondering if there is any other option he has for obtaining help...

Vaccinations and immunosuppression. 2 keypoints - give inactive agents instead of live agents - might not work as effectively live virus vaccine types Virus: - measles - mumps - polio (oral) - rubella - varicella - yellow fever - herpes zoster Bacteria: - typhoid inactive vaccine virus Virus: - Hep A and B - HPV - influenza - polio (subq) - rabies Bacteria: - anthrax - cholera - diphteria - Lyme - meningococcus - pertussis - plague - pneumococcus - tetanus Immuniza...

P wants to name her husband as the beneficiary of her life policy. However, she wishes to retain all of the rights of ownership. P should have her husband named as the: A.irrevocable beneficiary B.revocable beneficiary C.secondary beneficiary - B.revocable beneficiary A contract that has as its basic function the systematic liquidation of accumulated assets through periodic payments is called an: A.indemnity contract B.investment contract C.endowment D.annuity - D.annuity An insurance p...

Term Insurance - Used for Temporary Situations. Net cost highest in the long run. Premiums goes up every year based on current (attained)age. Term Insurance - Expire's at a certain age/Time in the future. May be renewable up to a certain age or date with out a phyical Exam. Level Term Insurance - Term insurance can be Renewed annually. Has a level Face Amount at renewal, Premiums goes up. Can be purchased for a Year or as often as 5, 10, 15, to 20 years inclements with average premium. Prem...

All of the following are included within the Insurance Commissioner's duties EXCEPT a) Conducting investigation of all domestic insurers. b) Reviewing the insurers' annual reports. c) Writing North Carolina insurance laws. d) Reporting any violations of insurance laws to the Attorney General. Writing insurance law is not the Insurance Commissioner's responsibility, but enforcing the law is. - c) Writing North Carolina insurance laws. Writing insurance law is not the Insurance Commi...

An agent who sells an individual life insurance policy in NC MUST deliver to the policyowner - A policy summary and buyer's guide All of the following actions are considered rebating EXCEPT - Sharing commissions with other licensed and appointed agents What benefit does the Payor Clause on a Juvenile Life Policy provide? - Premiums are waived if payor becomes disabled An agent who signs a blank contract application or policy of insurance - Is guilty of a misdemeanor A person is required t...

All of the following are included within the Insurance Commissioner's duties EXCEPT a) Conducting investigation of all domestic insurers. b) Reviewing the insurers' annual reports. c) Writing North Carolina insurance laws. d) Reporting any violations of insurance laws to the Attorney General. Writing insurance law is not the Insurance Commissioner's responsibility, but enforcing the law is. - c) Writing North Carolina insurance laws. Writing insurance law is not the Insurance Commi...

all of the following policies may be examples of third-party ownership except - Modified Life Policy any applicant for life insurance may question the validity and source of any consumer information developed under the - medical information bureau disclosure act which of the following policy provisions states that the application is part of the policy - Entire Contract the PRIMARY reason for selecting a variable whole life policy instead of a traditional whole like policy is that the variable...

Which of the following features allows an insurance policy to remain in force for a specific number of days beyond the premium due date? - Grace period provision. Reinstatement of a life insurance policy requires an insured to take all of the following actions EXCEPT: - Make collateral assignment to the insurer An insurance producer takes an application for a life insurance policy but does not collect the initial premium. On delivery of the policy to the proposed insured, the producer must col...

An insurer must provide claim forms to an insured within a MAXIMUM of how many days after receiving notice of an Accident & Health claim? A. Five B. Fifteen C. Twenty D. Thirty - b Under a group health plan, an employer may offer additional benefits to classes of employees on the basis of all of the following factors EXCEPT: A. length of employment B. gender C. salary grade D. job category - b Which of the following statements is CORRECT about a Waiver of Premium provision in a Disabil...