Life agent insur - Study guides, Class notes & Summaries
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North Carolina XCEL Testing Life & Health Insurance Exam 2023/2024
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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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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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California Life Accident And Health Exam Practice With 100% Correct Answers 2023
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California Life Accident And Health Exam Practice With 100% Correct Answers 2023
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FLORIDA LIFE AND HEALTH INSURANCE
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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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Alabama State Life & Health Insurance Exam (6 Sets of Exam’s) Alabama State Life & Health Insurance Exam Set 1
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Alabama State Life & Health Insurance Exam 
(6 Sets of Exam’s) 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Alabama State Life & Health Insurance Exam 
Set 1 
 
 
 
 
 
 
 
 
 
 
1.	Which policy accumulates cash value at the fastest rate? ANS A. 10-pay life policy 
 
2.	The legal doctrine that prevents one from exercising a right of privilege is called ANS Estoppel 
 
 
3.	If the consideration clause states that the premium payment keeps the policy in force until the next premium is due plus 30 days the...
Too much month left at the end of the money?
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CALIFORNIA LIFE ACCIDENT AND HEALTH Exam Practice Questions With Verified Solutions 100% 2024
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CALIFORNIA LIFE ACCIDENT AND HEALTH Exam Practice Questions With Verified Solutions 100% 2024
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FLORIDA INSURANCE EXAM 2023 WITH COMPLETE SOLUTION
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1.	The clause identifying which losses resulting from an accident or sickness are insured by the policy is called the:: Insuring clause 
2.	K applies for a life insurance policy on herself and submits the initial premium with the application. She is given a receipt by the agent stating that coverage begins immediately if the application is approved. What kind of receipt was used?: Conditional 
3.	A life insurance arrangement which circumvents insurable interest statutes is called:: Investor-Orig...
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Life insurance exam (2022/2023) Rated A+
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Life insurance exam (2022/2023) Rated A+ life insurance insurance that pays to a named beneficiary or the deceased's estate upon the death of the insured,may b annuity or endowment, may incl benef for accident death/dismemberment, disability, protects against risk pf premature death which exposes a finNcial riskto family or business. ie:burial expenses, pay debts, loss of family inc/business profits 
insurance content that indemnifies another against loss, damage, liab arising from unknown even...
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California Life Accident And Health Exam Practice With 100% Correct Answers 2023
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California Life Accident And Health Exam Practice With 100% Correct Answers 2023
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Florida Health and Life Insurance State Exam Practice Part 1 Questions and Answers 100% Correct
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Which Accident and Health policy provision addresses preexisting conditions?Time Limit on 
Certain Defenses 
Which of the following individual health insurance policies will provide the broadest 
protection?Major Medical 
Which of the following situations does NOT apply to the Florida Replacement Rule?An 
existing policyholder purchases an additional policy from the same insurer 
Agent J takes an application and initial premium from an applicant and sends the application and 
premium check to th...
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