Nc life health insurance Study guides, Class notes & Summaries
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NC life and health insurance study questions with certified answers
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NC life and health insurance study questions with certified answers 
Which of the following is NOT a characteristic of universal life insurance? 
A Flexible death benefit 
B Cash account 
C Fixed premium 
D Unbundled premium 
C 
Universal life policies allow the policy owner to increase the amount of premium going into the policy and to later decrease it again. They may even skip a premium payment. The rest of the features apply to universal life policies. 
 
 
Which of the following would help ...
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NC life and health insurance study questions with 100% correct solutions
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NC life and health insurance study 
questions with 100% correct solutions 
Which of the following is NOT a characteristic of universal life insurance? 
A Flexible death benefit 
B Cash account 
C Fixed premium 
D Unbundled premium - Correct Answer ️️ -C 
Universal life policies allow the policy owner to increase the amount of premium going 
into the policy and to later decrease it again. They may even skip a premium payment. 
The rest of the features apply to universal life policies. 
Which ...
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NC Life and Health Insurance Exam 2024 Questions and Answers
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NC Life and Health Insurance Exam
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NC life and health insurance study questions and answers rated 100% correct!!
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NC life and health insurance study questions and answers rated 100% correct!!
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NC Life insurance state exam study guideline already graded A+
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NC Life insurance state exam study guideline already graded A+ 
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 o...
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NC Life insurance state exam study guideline
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NC Life insurance state exam study guideline 
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, ...
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NC Life and Health Insurance UPDATED Exam Questions and CORRECT Answers
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NC Life and Health Insurance UPDATED 
Exam Questions and CORRECT Answers 
A company attempting a life policy replacement must notify the existing company within... - 
Correct Answer 5 working days 
The commissioner must be notified within ____ - Correct Answer 10 days of any change of 
address/name 
Free look provision allow how many days to examine the policy? - Correct Answer 10 days 
starting withe the day the policy is delivered 
Notice of hearing must be sent at least... - Correct Ans...
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NC Life Exam Simulation Questions and Answers Already PASSED !!!
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NC Life Exam Simulation Questions and Answers Already PASSED !!! 
Which of the following actions require a policyowner to provide proof of insurability in an Adjustable Life policy? 
ANSWER: increase face amount 
 
 
2. If the Commissioner of insurance finds that a licensed person has used fraudulent, coercive, or dishonest practices or has proved to be incompetent, untrustworthy, or financially irresponsible, the law allows the Commissioner to 
ANSWER: suspend, revoke, or refuse to renew the ag...
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NC Life Insurance Exam Prep
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NC Life Insurance Exam Prep 
 
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...
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NC Health Insurance Exam Pearson Vue Latest Graded A+ |100% Complete
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NC Health Insurance Exam Pearson Vue Latest Graded A+ 
Pure Risk 
chance of loss or no loss but not gain insurable 
 
 
Speculative Risk 
there is possibility of loss but of gain no insurablility 
 
 
exposure unit 
subject to loss 
 
 
peril 
cause of loss 
 
 
life insurance 
death 
 
 
Health insurance 
accident and sickness 
 
 
hazard 
increases the likelihood or severity of loss 
 
 
Three types of hazard 
physical, moral, morale 
 
 
physical hazard 
arise from the inherent characteristi...
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