False pretenses Study guides, Class notes & Summaries
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PSI Life Final Exam With Actual Answers 100% 2024.
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Obtaining consumer information reports under false pretenses is prosecutable by which of the following? 
1. 
USA Patriot Act 
2. 
Fair Credit Reporting Act 
3. 
State laws where the applicant resides 
4. 
Securities and Exchange Commission - Answer 2. 
Fair Credit Reporting Act 
 
All of the following are features of the spendthrift clause EXCEPT 
 
1. 
proceeds are paid in some other way than a single lump sum. 
2. 
proceeds are protected by the insurer from the beneficiary's creditors. 
3. ...
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NMLS exam 2024 with 100% complete solutions
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The practice of a lender not requiring a nontraditional loan borrower to thoroughly document income or assets is known as? correct answersLow-Doc or No-Doc Loans 
 
While a creditor/ broker does not have to advertise every single plan offered, it is unlawful to conceal what from consumers? correct answersMore consumer- friendly plans 
 
This type of notice is given to consumers who are not customers, in lieu of full initial notice, when the lender has no plans to Under ECOA share nonpublic perso...
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Fraud and Abuse Questions & Answers 100% Correct!
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Fraud and Abuse - ANSWERacts of providers that are deemed to have defrauded the government or abused the right to bill for services rendered 
 
abuse - ANSWER(are accidents) may directly or indirectly result in unnecessary costs to a program such as medicare or medicaid, improper payment, or payment for services that fail to meet professionally recognized standards of care or that are medically unnecessary 
 
fraud - ANSWERdefined as knowingly and willfully executing or attempting to execute a s...
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Primerica exam 2
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A rider that may be attached to a life insurance policy that will adjust the face amount based upon a specific index, such as the Consumer Price Index, is called - Answer- Cost of living rider. 
 
What method is used to determine the taxable portion of each annuity payment? - Answer- The exclusion ratio 
 The ratio of the total investment in that contract to the expected return is developed to determine the portion of the annuity payment that will be taxable and nontaxable. 
 
A set of legal or ...
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NJ Health Insurance Exam (XCEL Solutions) Questions and Answers Graded A+
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NJ Health Insurance Exam (XCEL Solutions) 
Questions and Answers Graded A+ 
Why are dividends from a mutual insurer not subject to taxation? - Correct Answer ️️ - 
because dividends are considered to be a return of premium 
ABC insurance company transfers part of their risk to XYZ insurance company. This 
situation is called - Correct Answer ️️ -reinsurance 
A nonparticipating company is sometimes called a(n) - Correct Answer ️️ -stock 
insurer 
What is considered to be the primary r...
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NJ Health Insurance Exam (XCEL Solutions) Questions and Answers Graded A+
- Exam (elaborations) • 42 pages • 2024
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NJ Health Insurance Exam (XCEL Solutions) 
Questions and Answers Graded A+ 
Why are dividends from a mutual insurer not subject to taxation? - Correct Answer ️️ - 
because dividends are considered to be a return of premium 
ABC insurance company transfers part of their risk to XYZ insurance company. This 
situation is called - Correct Answer ️️ -reinsurance 
A nonparticipating company is sometimes called a(n) - Correct Answer ️️ -stock 
insurer 
What is considered to be the primary r...
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Life and Health Insurance Study Guide- ExamFX
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Life and Health Insurance Study Guide- 
ExamFX 
 
An insured pays a $100 premium every month for his insurance coverage, yet the insurer 
promises to pay $10,000 for a covered loss. What characteristic of an insurance contract does 
this describe? - Aleatory: an aleatory contract means unequal amounts are exchanged 
between payments and benefits 
 
What is the Federal Credit Reporting Act? - Establishes procedures that consumer-reporting 
agencies must follow in order to ensure that records are ...
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Life & Health Insurance Exam 2024 (Arkansas) Questions & Answers 100% Accurate!
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Reserves - ANSWER Funds held by the company to fullfull future claims. Funds are set by the state department of insurance. 
 
Multi-line Insurer - ANSWER An insurance company selling more than one line of insurance. (Ex. Home, auto, health, etc) 
 
Stock Companies - ANSWER Owned and controlled by stockholders, whose investment set the safety margin. Guaranteed fixed premiums. Nonparticipating policies. 
 
nonparticipating policy - ANSWER Insurance under which the insured is not entitled to share...
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PA Life practice exam from PSI (1)/Answered/A+ rated
- Exam (elaborations) • 16 pages • 2023
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PA Life practice exam from PSI (1)/Answered/A+ rated 
Obtaining consumer information reports under false pretenses is prosecutable by 
which of the following? 
1. 
USA Patriot Act 
2. 
Fair Credit Reporting Act 
3. 
State laws where the applicant resides 
4. 
Securities and Exchange Commission 
2. 
Fair Credit Reporting Act 
All of the following are features of the spendthrift clause EXCEPT 
1. 
proceeds are paid in some other way than a single lump sum. 
2. 
proceeds are protected by the insur...
-
Florida Health 240 Insurance Exam (Graded A+)
- Exam (elaborations) • 21 pages • 2023
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Florida Health 240 Insurance Exam (Graded A+) 
Rules of Construction 
Help to identify and establish the intent of the parties to the contract 
Utmost good faith 
Each party is entitled to rely on the representation of the other, and each party 
should have a reasonable expectation that the other is acting in good faith without 
attempts to conceal or deceive. 
Aleatory Contract 
A contract under which one party's performance is contingent on an uncertain 
event. 
property and casualty agent...
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