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The receipt given to a life insurance applicant when the application is completed and the initial premium is received is called a(n) - conditional receipt Statements in the application for insurance that are believed to be true to the best of the applicant's knowledge are called - representations An annuity is considered fixed when it does all of the following EXCEPT - provides the annuitant with an interest rate that is the lesser of the guaranteed or current rate The most common type of...

1. An annuity that is purchased with a lump sum premium and whose benefits begin after 12 months is called a: A. Single premium immediate annuity. B. Single premium deferred annuity. C. Level premium variable annuity. D. Flexible premium fixed annuity. - Single premium deferred annuity 2. A technique used to determine the amount of life insurance needed by focusing on the projected earning potential of an insured is called the: A. Needs approach. B. Future income option. C. Human life ...

Stranger-oriented life insurance policies are in direct opposition to the principle of a. law of large numbers b. good faith c. indemnity d. insurable interest - d. insurable interest-STOLI purchaser doesn't know the insured, or have any interest in the insured's longevity, so it violates the principle of insurable interest Which is generally true regarding insureds who have earned preferred status? a. they keep a higher percentage of any interest earned on their policies b. their prem...

An insured purchased an insurance policy 5 years ago. Last year, she received a dividend check from the insurance company that was not taxable. This year, she did not receive a check from the insurer. From what type of insurer did the insured purchase the policy? a. mutual b. reciprocal c. nonprofit service organization d. stock - A. mutual funds not paid out after paying claims and other operating costs are returned to the policy owners in the form of a dividend. if all funds are paid o...

An insurer has made all of the decisions regarding the provisions included in the insured's policy. The insured finds an objectionable provision and wants to negotiate it with the insurer but is not allowed to do so. Her only options are to reject the policy or accept it as is. Which contract feature does this describe? a) Unilateral b) Conditional c) Personal d) Adhesion - Adhesion An insurance policy that only requires a payment of premium at its inception, provides insurance protect...

A 65 year old woman presents complaining of left sided, throbbing headache along with mild fatigue. On examination, the client has a very tender, tortuous temporal artery. A diagnosis of temporal arteritis is suspected. What test will help the NP confirm diagnosis? - Serum ESR Maria is a 24 year old female who presents with a chief complaint of fatugue that she has had for a few months. Serum laboratory tests are ordered and her CBC results are as follow: WBC 9.6 (4.5-11) RBC 3.6 (4.5-11) ...

B ---- C99 standard guarantees uniqueness of ____ characters for internal names. a) 31 b) 63 c) 12 d) 14 A ---- C99 standard guarantess uniqueness of _____ characters for external names. a) 31 b) 6 c) 12 d) 14 D ---- Which of the following is not a valid variable name declaration? a) int __a3; b) int __3a; c) int __A3; d) None of the mentioned C ---- Which of the following is not a valid variable name declaration? a) int _a3; b) int a_3; c) int 3_a; d) int _3a C ---- Variable...

Who was responsible for drafting the Bill of Rights and submitting it to Congress? - James Madison Why did the colonists oppose being taxed by Great Britain? - They did not have elected representatives in the House of Commons What was a major difference between the Articles of Confederation and the Constitution? - The Articles of Confederation did not provide for a national judiciary Why did the framers design the government under the Articles of Confederation with a Congress? - They wante...

According to USDA regulations, cats MUST have what kind of identification? a. An ear tag and collar or a microchip implant b. A tattoo with a microchip implant c. A tag and collar, tattoo, or microchip d. A microchip implant or an ear tag - A tag and collar, tattoo, or microchip Bedding dump stations are used mainly to protect employees from which hazard? a. Experimental test articles b. Bacteria in animal feces c. Inhaled allergens d. Unpleasant odors from animal urine - Inhaled allerg...

Which of the following is a nonprofit organization dedicated to improve the safe operation of commercial vehicles in North America by establishing a uniform, reciprocal enforcement of commercial vehicle safety standards? Commercial Vehicle Safety Alliance (CVSA) Federal Motor Carrier Safety Administration (FMCSA) United States Department of Transport (USDOT) Commercial Vehicle Operator Registration (CVOR) Page: 1811 - Commercial Vehicle Safety Alliance (CVSA) What is required by law to b...