Examen
Primerica Practice Exam B Questions with Solutions 2024
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Primerica Practice Exam B
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Primerica Practice Exam B1. The annuity income amount is based on whose life?
A. Owner
B. Insured
C. Annuitant
D. Beneficiary - answer annuitant
2. An injured party to a contract is able to rescind the contract for
A. Representations.
B. Unintentional concealment
C. Health problems
D. Financial difficulties. - answer unintentional concealment
3. A whole life policy that will generate immediate cash value is
A. Single premium.
B. Continuous premium.
C. Modified whole life.
D. Limited pay - answer single premium
4. Which statement is TRUE regarding long-term care training in California?
A. Required training hours are not included for continuing education credits.
B. Training is not required if the rider does not provide services.
C. it is the producer's responsibility to complete the required initial training
D. The initial training requirement is 4 hours of long tem care topics - answertraining is
not required if the rider does no provide services
5. To be fully insured by Social Security, a worker must have how many quarters of
coverage?
A. 6
В. 24
C.32
D. 40 - answer40
6. The Commissioner may suspend an applicant's license without a hearing if the
applicant has had another professional license suspended or revoked within what
masimum time period?
A. 90 days
B. 1 year
C.3 years
D. 5 years - answer5 years
, 7. Group life insurance is written
A. With individual policies.
B. On an individual medical underwriting basis.
C. For the sole purpose of purchasing insurance.
D. With a master contract. - answerwith a master contract
8. The right to a full refund of premiums for insured under age 60 is
A. 10 days
B. 14 days C. 20 days.
D. 30 days. - answer10 days
9. Which annuity settlement stops when the annuitant dies?
A. Cash refund annuity
B. Installment refund annuity
C. Life annuity
D. Period certain annuity - answerlife annuity
10, The waiver of premium rider allows an insurance company to
A. Waive premiums if the insured becomes totally disabled.
B. Waive premiums if the insured becomes partially disabled.
C. Increase an insured's premiums at an attained age
D. Waive the premium in case of unemployment. - answerwaive premiums if the insured
becomes totally disabled
11. All of the following are true about the California Insurance Commissioner EXCEPT
A. Elected by the people of Califormia every four years.
B. Selected by the Governor as an appointee.
C. Has the authority to issue regulations on how to enforce insurance law.
D. Capable of beccoming the conservator of financially impairod, or insolvent, insurers -
answerselected by the governor as an appointee
12. The policy that pays a monthly income to the beneficiary for a stated period of time
and pays the face amount at the end of that period is
A. Family Maintenance policy.
B. Payor Benefit rider.
C. Modified Life policy.
D. Family Income policy. - answerfamily maintenance policy
13. Installing smoke detectors in your home would be an example of risk
A. Avoidance.
B. Retention.
C. Reduction
D. Transfer. - answerreduction
14. Which element is NOT required to be identified in every insurance contract?
A. Persons being insured
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