When an insurer Study guides, Class notes & Summaries
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![Kentucky Life and Health Insurance Exam (New 2024/ 2025 Update) Questions and Verified Answers| 100 % Correct| Grade A](/docpics/4918387/660eabb99b75c_4918387_121_171.jpeg)
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Kentucky Life and Health Insurance Exam (New 2024/ 2025 Update) Questions and Verified Answers| 100 % Correct| Grade A
- Exam (elaborations) • 51 pages • 2024
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Kentucky Life and Health Insurance Exam 
(New 2024/ 2025 Update) Questions and 
Verified Answers| 100 % Correct| Grade A 
 
 
QUESTION 
 The only party in an insurance contract that makes a legally enforceable promise is the 
insurance company. Because of this, insurance contracts are considered to be: 
 
 conditional 
 aleatory 
 unilateral 
 contracts of adhesion 
 
 
Answer: 
unilateral 
 
Insurance contracts are unilateral. This means that only one party (the insurer) makes any kind of ...
![NY Series 17-52 Questions and Answers 100% Pass](/docpics/63ea05f27b31d_2365590.jpg)
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NY Series 17-52 Questions and Answers 100% Pass
- Exam (elaborations) • 7 pages • 2023
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NY Series 17-52 Questions and Answers 100% Pass 
How many eligible employees must be included in a contributory health insurance plan? 50% 
A man works for Company A and his wife works for Company B. The spouses are covered by health plans through their respective companies that also cover the other spouse. If the husband files a claim, The insurance through his company is primary. 
What is the period of coverage for events such as death or divorce under COBRA? 36 months 
Twenty-five days after ...
![CA Adjusters License PSI exam 2024 with 100% correct answers](/docpics/4179712/659d46cd12239_4179712_121_171.jpeg)
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CA Adjusters License PSI exam 2024 with 100% correct answers
- Exam (elaborations) • 44 pages • 2024
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Other structures are excluded from coverage under the HO-3 when they are: 
 
Smaller than 100 square feet or larger than 1,000 square feet 
Smaller than 100 square feet or larger than 500 square feet 
Used for storage purposes 
Used for business purposes correct answersUsed for business purposes is correct. 
EXPLANATION: 
When the other structures are used for business purposes they are not covered under the homeowner form. This structure and its contents could be covered under a commercial p...
![XCEL TESTING SOLUTIONS - CALIFORNIA PRE-LICENSING EDUCATION - LIFE, ACCIDENT AND HEALTH INSURANCE QUESTIONS WITH 100 % CORRECT ANSWERS VERIFIED](/docpics/3494361/651095ffa14ac_3494361_121_171.jpeg)
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XCEL TESTING SOLUTIONS - CALIFORNIA PRE-LICENSING EDUCATION - LIFE, ACCIDENT AND HEALTH INSURANCE QUESTIONS WITH 100 % CORRECT ANSWERS VERIFIED
- Exam (elaborations) • 20 pages • 2023
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When an insurance company requests an attending physician's report, the request must be 
accompanied by a - Copy of the signed authorization 
Which of the following is NOT a required uniform provision in individual health policies? - Change 
of occupation 
"Life insurance creates an immediate estate". This phrase means - When the insured dies, a death 
benefit is paid 
A person who asserts a right of recovery under an insurance policy is called - Claimant 
Before an insurer is allowed to test...
![Xcel 2-15 Florida Life & Health State Exam Simulator Already Passed](/docpics/4267394/65a98933dbcf8_4267394_121_171.jpeg)
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Xcel 2-15 Florida Life & Health State Exam Simulator Already Passed
- Exam (elaborations) • 38 pages • 2024
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Xcel 2-15 Florida Life & Health State Exam Simulator Already Passed 
what is considered to be a characteristic of an immediate annuity benefit payments start within one payment period of purchase 
3 MULTIPLE CHOICE OPTIONS 
which of these characteristics is consistent with a straight life policy premiums are payable for as long as there is insurance coverage in force 
3 MULTIPLE CHOICE OPTIONS 
an insureds inability to perform two or more activities of daily living may trigger which type of life...
![LA Life, Health & Accident Insurance Series 103 Practice Exam Questions and Answers Already Passed](/docpics/4341286/65b3fa419764d_4341286_121_171.jpeg)
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LA Life, Health & Accident Insurance Series 103 Practice Exam Questions and Answers Already Passed
- Exam (elaborations) • 15 pages • 2024
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LA Life, Health & Accident Insurance Series 103 Practice Exam Questions and Answers Already Passed 
Under which situation must insurable interest exist between the applicant and insured at the time of application? When a third-party applicant names themselves beneficiary. 
Which of the following is true about a decreasing term life policy? The face amount reaches zero at policy expiration. 
Which of the following occurs immediately after the application is submitted and the initial premium paid?...
![New York Adjuster Exam Questions with 100% correct Answers 2023](/docpics/6409c0eb84024_2453243.jpg)
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New York Adjuster Exam Questions with 100% correct Answers 2023
- Exam (elaborations) • 23 pages • 2023
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New York Adjuster Exam Questions with 100% correct Answers 2023 
The insured has moved into a dwelling that was being build and was covered by the "Dwelling under Construction" endorsement. How long does the insured have to report his / her occupancy to the insurance company? {{Correct Ans- 30 days 
 
When a New York Homeowners policy is still in the 60-day underwriting period, the insurer may cancel it for any reason by providing a ______ notice. {{Correct Ans- 30 day 
 
Personal property tha...
![AINS 103 (Latest 2023/ 2024 Update) Exploring Commercial Insurance Exam Review Questions and Verified Answers| 100% Correct| Grade A](/docpics/4018699/657a170048b36_4018699_121_171.jpeg)
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AINS 103 (Latest 2023/ 2024 Update) Exploring Commercial Insurance Exam Review Questions and Verified Answers| 100% Correct| Grade A
- Exam (elaborations) • 18 pages • 2023
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AINS 103 (Latest 2023/ 2024 Update) Exploring Commercial Insurance Exam Review Questions and Verified Answers| 100% Correct| Grade A 
 
Q: Which one of the following is one of the covered causes of loss in the commercial property policy Causes of Loss—Basic form? 
 
 
Answer: 
Vandalism 
 
 
 
Q: Billy owns a baseball souvenir store in Cooperstown, NY. He insured his store under a Building and Personal Property Coverage Form (BPP) with a $275,000 limit and a $1,500 deductible. A large fire in ...
![South Carolina Insurance Exam Questions and Answers Already Passed](/docpics/4860445/660589c4bf134_4860445_121_171.jpeg)
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South Carolina Insurance Exam Questions and Answers Already Passed
- Exam (elaborations) • 18 pages • 2024
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South Carolina Insurance Exam 
Questions and Answers Already Passed 
 
An insurer is REQUIRED to offer which of the following to each long-term care applicant at the 
time of purchase? Inflation protection 
 
Which of these riders will pay a death benefit if the insured's spouse dies? Family term 
insurance rider 
 
Disability income plans which require that the insurer can NEVER change or alter premium rates 
are usually considered Nonconcellable 
 
What is the required action to be taken by a...
![Adjuster Pro - Insurance adjuster test latest 2023 already passed](/docpics/63eb4ce81cedc_2369548.jpg)
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Adjuster Pro - Insurance adjuster test latest 2023 already passed
- Exam (elaborations) • 31 pages • 2023
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Adjuster Pro - Insurance adjuster test latest 2023 already passed What is insurance? protection against financial loss 
what is a premium a scheduled amount to be paid for an insurance policy. 
What are premiums used for premiums are collected into a "pool" or "reserve to pay out claimants when needed. 
how can insurance companies afford to pay for an individuals catastrophic loss? the insurer collects premiums from all policy holders and uses them to pay out the claims of a few. 
what is Ind...
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