Fixed annuity Study guides, Class notes & Summaries
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![Final Exam: California Life, Accident, and health insurance](/docpics/6457fa9af304a_2710276.jpg)
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Final Exam: California Life, Accident, and health insurance
- Exam (elaborations) • 13 pages • 2023
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According to the California Insurance Code, what term is used to describe a fact so important it could affect the policy premium? - Answer- Materiality 
 
Which of the following is NOT a life insurance settlement option? - Answer- Extended Term Option 
 
True answer- Life income option, Fixed amount option, Lump Sum option 
 
Major Medical expense plans typically use a cost containment measure for emergency care. This is refereed to as a - Answer- Deductible 
 
Which type of risk is gambling? -...
![Texas Life Insurance Exam Questions and Answers with complete solutions](/docpics/634085800d2ee_2013892.jpg)
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Texas Life Insurance Exam Questions and Answers with complete solutions
- Exam (elaborations) • 10 pages • 2022
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Insurance 
(General concept) - ANSWER - transfers the risk of loss from an individual to an insurer 
- based on the principle of indemnity 
- based on the principle of risk (risk pooling) 
 
insurable interest 
(General Concept) - ANSWER - must exist at the time of the application 
- insuring one's own life, family member, or a business partner 
 
Solicitation and sales presentation - ANSWER - illustration- presentation of nonguaranteed elements 
- buyer's guide is generic information abo...
![CA Life and Health Exam Questions and Answers Already Passed](/docpics/63dec8c08ad9c_2336851.jpg)
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CA Life and Health Exam Questions and Answers Already Passed
- Exam (elaborations) • 14 pages • 2023
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CA Life and Health Exam Questions and Answers Already Passed What is insurance? Insurance is the legal contract where two parties agree that if something will happen, a value will be exchanged. 
What's the difference between pure risk and speculative risk? Pure risk is when you'll lose it all or there will be no change. Speculative risk you can either win or lose. 
What is peril? peril is the causes of loss insured against in an insurance policy 
What is hazard? conditions that increase the pr...
![Florida Life, Health and Variable Annuities With Correct Solutions!!](/docpics/642fdee0ddf3a_2564687.jpg)
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Florida Life, Health and Variable Annuities With Correct Solutions!!
- Exam (elaborations) • 15 pages • 2023
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Disability Buy-Out plans feature: - ANSWER Long elimination plans up to two years (A disability buy-out plan funded with disability insurance has a long elimination period of generally two years. The elimination period begins the day of the disability. Then the disability policy will provide a lump sum to buy the disabled partner out. They want to make sure that the partner is not going to recover and come back to work) 
 
When MUST the Office of Insurance Regulation conduct a market conduct exa...
![Florida Life, Health and Variable Annuity Exam Correct !!](/docpics/642fd9f264ff6_2564640.jpg)
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Florida Life, Health and Variable Annuity Exam Correct !!
- Exam (elaborations) • 15 pages • 2023
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Entire Contract Provision - ANSWER found at the beginning of the policy, saying that the policy cannot refer to any outside documents as being part of the contract and prohibiting the insurer from making any changes to the policy after it has been issued. (can only make good changes not bad) 
 
Insuring Clause - ANSWER sets forth the company's basic promise to pay benefits upon the insured's death. 
 
Free-Look Provision - ANSWER gives policyowners the right to return the policy for a full pre...
![Exam FX Insurance- Wisconsin Life questions (Answered). 100% Accurate, Graded A](/docpics/63d6f6b5203c8_2314811.jpg)
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Exam FX Insurance- Wisconsin Life questions (Answered). 100% Accurate, Graded A
- Exam (elaborations) • 69 pages • 2023
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Exam FX Insurance- Wisconsin Life questions (Answered). 100% Accurate, Graded A 
 
 
An insurer decides to renew a policy but at a higher premium rate, starting on the renewal date. How many days in advance must the insured be notified? 
 
a) 30 
b) 60 
c) 90 
d) 100 - -b 
 
How is the Commissioner of Insurance placed in office? 
 
a)By NAIC nomination 
b)Through a bid process 
c)An election at the same time that other state officials are selected 
d)An appointment by the Governor - -d 
 
An ins...
![Business Major Field Test questions and answers 2024 latest update already graded A+](/docpics/4220355/65a31e6c3421e_4220355_121_171.jpeg)
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Business Major Field Test questions and answers 2024 latest update already graded A+
- Exam (elaborations) • 195 pages • 2024
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Accounting: What costs should be considered when making non-routine decisions? (3) 
The price of material, Factory overhead costs, and the price of labor 
 
 
 
Accounting: Total product/ units produced and sold equals?? 
Product Cost per Unit 
 
 
 
 
Brainpower 
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Accounting: What is a general explanation of what the contribution margin is? 
The difference between variable costs subtr...
![FIN2602 EXAM PACK 2023](/docpics/63e27bdda96fb_2346183.jpg)
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FIN2602 EXAM PACK 2023
- Exam (elaborations) • 222 pages • 2023
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OCT/NOV 2020 
FIN2602 
Personal Financial Management 
70 Marks 
Duration 2 Hours 
First examiner: Nico Swart 
Second examiner: Me L Ngcobo 
This paper consists of 21 pages including one rough work sheet plus instructions for the 
completion of a mark reading sheet. 
Instructions: 
Use of a non-programmable pocket calculator is permissible. 
This examination question paper remains the property of Unisa. 
We remind you about your Honesty Declaration. 
Remember to submit your examinatio...
![Michigan Life Insurance State Exam Solved 100% Correct](/docpics/6425da06692a3_2535603.jpg)
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Michigan Life Insurance State Exam Solved 100% Correct
- Exam (elaborations) • 35 pages • 2023
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Under a traditional IRA, interest is taxed: 
 
Only if withdrawn prior to age 59 1/2 
 
According to the capital gains rate 
 
Upon distribution 
 
During the accumulation phase - ANSWER-Upon distribution 
 
Which of these statements concerning Traditional IRAs is CORRECT? 
 
Earnings are not taxable when withdrawn 
 
Earnings are taxable when withdrawn 
 
Contribution are never tax deductible 
 
Contributions are always made by the employer - ANSWER-Earnings are taxable when withdrawn 
 
Wh...
![Florida 2-15 exam Questions And Answers](/docpics/642fc8d9a3261_2564475.jpg)
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Florida 2-15 exam Questions And Answers
- Exam (elaborations) • 5 pages • 2023
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In a 3 partner cross-purchase plan, how many policies need to be purchased in order to protect each partner against the loss of any other partner? - Answer- 6 
 
According to the NAIC Life Insurance Solicitation Model, when soliciting life insurance, a producer is required to provide a prospect with a ______ and a _______ specific to the product being marketed. - Answer- general buyer's guide; policy summary 
 
The Incontestable Clause states that the insurer cannot contest the validity of a li...
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