Alien company Study guides, Class notes & Summaries
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New York Life Insurance Questions and Answers Already Passed
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New York Life Insurance Questions and Answers Already Passed Accelerated Benefits Riders attached to life insurance policies which allow death benefits to be used to cover nursing or convalescent home expenses. 
Accidental Death Benefits A policy rider that states that the cause of death will be analyzed to determine if it complies with the policy description of accidental death. 
Accidental Death Insurance An insurance policy that provides payment if the insured's death is the result of an acc...
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Wisconsin Life Insurance Exam Prep exam Already Passed!!
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Stock insurer - - Owned by stockholders/shareholders 
- Pays taxable dividends to shareholders if a profit is 
made 
-Issues nonparticipating policies (non-PAR) 
Mutual Insurer - - An insurer that is owned by its policyholders 
- If company is profitable, excess premiums are returned as non-taxable dividend 
-Issues participating (Par) policies 
Fraternal Benefit Societies - -Life or health insurance companies formed to provide insurance for 
members of an affiliated lodge, religious organizatio...
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WebCE Exam Questions with correct Answers
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Indirect Loss - Answer- A secondary loss that follows from a direct loss to insured property from a covered peril. 
Ex. Hotel expenses incurred by the insured while a fire-damaged home is repaired is an indirect loss that follows the direct loss of the home. 
 
Exclusive Agency System - Answer- An insurance distribution system in which producers (agents) represent a single company. 
Ex. In the exclusive agency system, insurers use independent contractors (exclusive agents) that represent only on...
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Webce Life and Health exam 2023 with 100% correct answers
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Representations and Warranties 
Representations are statements the applicant makes on an application that are deemed to be true to the applicant's best knowledge. Warranties are statements the insurer makes in the contract. 
 
 
 
Underwriting vs. Actuarial Departments 
Two related insurance company functions. Through the process of _________, applications are assessed for insurability and to assign premium rates. The ________ department analyzes data to help estimate future losses and to produ...
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Michigan Surplus Lines Insurance Exam Prep questions and answers latest top score.
- Exam (elaborations) • 14 pages • 2023
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Michigan Surplus Lines Insurance Exam Prep questions and answers latest top score. 
 
 
 
 
 
 
 
 
 
(1)Surplus Lines premiums typically expand during: 
A) A soft Market 
B) A Hard Market - correct answers.A Hard Market. 
 
Surplus lines premiums typically expand during a hard market. 
 
(2) During the time of a hard market, insurers will: 
A) Tighten their underwriting standards 
B) Loosen their underwriting standards - correct answers.A) Tighten their underwriting standards. 
 
Tighten and ra...
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N.C. Claims Adjuster Exam Latest 2023 Rated A+
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N.C. Claims Adjuster Exam Latest 2023 Rated A+ Inception/Expiration Date an insurance policy covers the insured starting at 12:01am on the day on which coverage begins and expires at 12:01am on the expiration day of the policy. 
Occurrence Date Date of which the loss occurred 
Identification of parties involved The loss report should include the names and addresses of the parties involved in the loss, the names and addresses of any injured person(s) and the names and addresses of any witness(s)....
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ACA Final Exam Questions and Answers 2023
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ACA Final Exam Questions and Answers 2023 
At the end of this course, you must do which of the following? 
 
Pass the final course exam with a scored of 70% or higher 
 
Print your certificate from this website 
 
Apply for your Insurance Adjuster license at the Florida Department of Financial Services website at 
 
All of the above 
All of the above 
 
 
 
Which of the following is NOT one of the duties of the Department of Financial Services? 
 
License adjusters 
Set rates and write policies ...
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Cosmetology Hawaii License Test Exam NEWEST 2024-2025 ACTUAL EXAM COMPLETE QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+
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Cosmetology Hawaii License Test Exam NEWEST 
 ACTUAL EXAM COMPLETE QUESTIONS 
AND CORRECT DETAILED ANSWERS (VERIFIED 
ANSWERS) |ALREADY GRADED A+ 
An insurance company that is formed in Canada would be - 
CORRECT ANSWER Alien 
A person who acts on behalf of insurance company is called 
- CORRECT ANSWER Independent Adjuster 
At what year can one become an adjuster - CORRECT 
ANSWER 18 years old 
Which of the following would be eligible under BOP - 
CORRECT ANSWER Six story apartment building...
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PSI - LIFE, ACCIDENT, AND HEALTH –FULL| Questions and Answers, 100% Verified| Latest 2023/2024
- Exam (elaborations) • 25 pages • 2023
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PSI - LIFE, ACCIDENT, AND HEALTH –FULL| Questions and Answers, 100% Verified| Latest 2023/2024 
PSI - LIFE, ACCIDENT, AND HEALTH – 
FULL| Questions and Answers, 100% 
Verified| Latest 2023/2024 
What happens under a misstatement of age clause on a disability policy? 
1. 
The policy would be terminated and all premiums would be returned to the policy 
owner. 
2. 
The policy would be terminated and all premiums would be retained by the 
insurance company. 
3. 
All amounts payable under t...
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Alabama Property and Casualty Exam Questions and Answers Graded A+
- Exam (elaborations) • 29 pages • 2024
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Alabama Property and Casualty Exam 
Questions and Answers Graded A+ 
 
If a company cancels an auto policy mid term, the refund will be made on 
 
a. pro rata basis 
b. short rate basis 
c. retroactive basis 
 
d. coinsurance basis Pro Rata Basis 
 
What is the term used to describe terminating the insurance relationship at the end of the policy 
period ? 
a. cancellation 
b. nonrenewal 
c. separation 
d. exclusion Nonrenewal 
 
Which is the best example of an indirect loss ? 
 
a. sequential lo...
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