Life agent insur - Study guides, Class notes & Summaries
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North Carolina XCEL Testing Life & Health Insurance Exam
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North Carolina XCEL Testing Life & Health Insurance Exam 
 
Which of the following requires insurers to disclose when an applicant's consumer or credit history is being investigated -Answer: 1970 - Fair Credit Reporting Act 
What type of reinsurance contract involves two companies automatically sharing their risk exposure? -Answer: Treaty 
What is the name of the law that requires insurers to disclose information gathering practices and where the information was obtained? -Answer: Fai...
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FLORIDA CLAIMS ADJUSTER EXAM QUESTIONS AND ANSWERS 2023 EXAM GRADED A (Over 200 questions and answers 100% verified)
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FLORIDA CLAIMS ADJUSTER 
EXAM QUESTIONS AND 
ANSWERS 2023 EXAM GRADED A 
(Over 200 questions and answers 
100% verified) 
1. Frank owned a home that was destroyed by a hurricane. Both ABC and 
XYZ Banks were listed as additional interests on his homeowner policy.The 
insurance company will make a payment to: 
A. The first mortgagee, ABC 
B.The Insured 
C. Jointly to ABC and XYZ 
D. All listed interests: Ans- D. All listed interests 
Remember that the insurer is not responsible to know...
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CA PSI Site - Life, Accident and Health Agent Examination (Life Agent)Questions With Correct Solutions!!
- Exam (elaborations) • 19 pages • 2024
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Admitted Insurance Company vs. Non-Admitted Insurance Company - ANSWERAn admitted insurance company is authorized to transact insurance in California because it has a Certificate of Authority granted by the California Department of Insurance (CDI) 
 
A non-admitted insurance company is not authorized to transact insurance in California because of failing to comply with California requirements or did not seek admission 
 
Pure Risk vs. Speculative Risk - ANSWERPure risks are insurable but Specula...
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California Life, Accident and Health Course Exam 1-3|130 Question 2024 Update 100% Correct
- Exam (elaborations) • 106 pages • 2024
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California Life, Accident and Health Course Exam 1-3|130 Question 2024 Update 100% Correct 
 
California Life, Accident and Health Course Exam 1-3|130 Question 2024 Update 100% Correct 
105.	Question #90543 
 
The formula that is used to determine how much is taxable during the payout is the: 
 
AMortality ratio B7 pay test CMorbidity ratio 
DExclusion ratio: d Explanation: 
The exclusion ratio is the formula which is used by the IRS to determine how much is taxable to an annuitant during the pa...
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52 Hour California Life, Accident and Health Insurance Exam Course 100% Solved
- Exam (elaborations) • 15 pages • 2024
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52 Hour California Life, Accident and Health Insurance Exam Course 100% Solved
And that's how you make extra money
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North Carolina XCEL Testing Life & Health Insurance Exam 2023/2024
- Exam (elaborations) • 14 pages • 2023
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North Carolina XCEL Testing Life & Health Insurance Exam 2023/2024 
1.	Which of the following requires insurers to disclose when an applicant's consumer or credit history is being investigated:: Ans- 1970 - Fair Credit Reporting Act 
2.	What type of reinsurance contract involves two companies automatically sharing their risk exposure?: Ans- Treaty 
3.	What is the name of the law that requires insurers to disclose information gathering practices and where the information was obtained?: Ans- ...
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North Carolina XCEL Testing Life & Health Insurance Exam 2023/2024
- Exam (elaborations) • 14 pages • 2023
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- $13.49
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1.	Which of the following requires insurers to disclose when an applicant's consumer or credit history is being investigated:: Ans- 1970 - Fair Credit Reporting Act 
2.	What type of reinsurance contract involves two companies automatically sharing their risk exposure?: Ans- Treaty 
3.	What is the name of the law that requires insurers to disclose information gathering practices and where the information was obtained?: Ans- Fair Credit Re- porting Act 
4.	Who elects the governing body of a m...
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California Life, Accident and Health Course Exam 1-3|130 Question 2024 Update 100% Correct
- Exam (elaborations) • 106 pages • 2024
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California Life, Accident and Health Course Exam 1-3|130 Question 2024 Update 100% Correct 
 
California Life, Accident and Health Course Exam 1-3|130 Question 2024 Update 100% Correct 
105.	Question #90543 
 
The formula that is used to determine how much is taxable during the payout is the: 
 
AMortality ratio B7 pay test CMorbidity ratio 
DExclusion ratio: d Explanation: 
The exclusion ratio is the formula which is used by the IRS to determine how much is taxable to an annuitant during the pa...
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Florida Health Insurance Exam Questions And Answers (Verified And Updated)
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Florida Health Insurance Exam Questions 
And Answers (Verified And Updated) 
Consideration - answerIt is the binding force in any contract. Something of value that each 
party gives to the other. Insurer's is the promise to pay for losses; insured's is the premium and 
statements on the application. 
Representations - answerstatements believed to be true to the best of one's knowledge, but 
they are not guaranteed to be true. 
The Insured's statements on the application are _________________...
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FLORIDA LIFE AND HEALTH INSURANCE
- Exam (elaborations) • 24 pages • 2024
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FLORIDA LIFE AND HEALTH INSURANCE 
 
1.	Insured: The person covered by the insurance policy. 
2.	Rider: A written modification attached to a policy that increases or decreases coverage and/or premiums. 
3.	What is a unilateral contract?: A contract in which only one of the parties is legally bound to fulfill its obligations. 
4.	What law protects consumers from the circulation of inaccurate or obsolete information?: The Fair Credit Reporting Act. 
5.	What are the three types of agent authority?:...
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