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LIFE, ACCIDENT AND HEALTH OR SICKNESS EXAMINATION TEST BANK 800 QUESTIONS AND CORRECT ELABORATED ANSWERS TOP RATED FOR ALREADY A GRADED|NEW!!{REVISED BY EXPERTS}€26,57
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LIFE, ACCIDENT AND HEALTH OR SICKNESS EXAMINATION TEST BANK 800 QUESTIONS AND CORRECT ELABORATED ANSWERS TOP RATED FOR ALREADY A GRADED|NEW!!{REVISED BY EXPERTS}
LIFE, ACCIDENT AND HEALTH OR SICKNESS EXAMINATION TEST BANK 800 QUESTIONS AND CORRECT ELABORATED ANSWERS TOP RATED FOR ALREADY A GRADED|NEW!!{REVISED BY EXPERTS}
LIFE, ACCIDENT AND HEALTH OR SICKNESS EXAMINATION TEST BANK 800 QUESTIONS AND CORRECT ELABORATED ANSWERS TOP RATED FOR 2024 -2025 ALREADY A GRADED|NEW!!{REVISED BY EXPERTS} The theory of probability is applied to life insurance through the use of - ANSWER - Mortality tables In health insurance , the result of a rise in the morbidity rate is : - ANSWER - Increased premium In the absence of a coordination of benefits clau se , all of the following circumstance might result in recovery of more than 100 % of actual health care expense EXCEPT - ANSWER - A worker's medical plan included a carryover deductible provision An individual is allowed to enroll in individual health ins urance under the following circumstances EXCEPT - ANSWER - Within 30 days of being diagnosed with an illness Which policy covering two or more individuals pays the face amount only when the first person dies ? - ANSWER - Joint life policy The acts that are reasonably necessary to the duties expressly authorized would be covered by an agent's - ANSWER - Implied authority Which type of insurance guarantees the right to renew the policy each year , regardless of health , but increased premiums - ANSWER - indivi duals the duties right Renewable term Life insurance policies written without a physical examination are called : - ANSWER - Non - medical Part - time nursing care that follows a hospitalization and can be provided in a patient's home is covered under - ANSWER - Home health care benefits Regarding the Health Benefit Exchanges , as created by PPACA , all of the following statements are true EXCEPT - ANSWER - An individual enrolling in a bronze level plan is not eligible for reduced cost sharing An attempt by an agent to deter an insured from replacing an existing life insurance policy is called : - ANSWER - Conservation what is meant by referring to an insurance policy as a unilateral contract? - ANSWER - Only one party makes a legally enforceable promise. When must insurance records of insurance agents and brokers be made available to the insurance commissioner? - ANSWE R- At all times. Any situation that presents the possibility of a loss is known as? - ANSWER - a loss exposure. Which of the following information is not required to be communicated in a Life insurance contract? - ANSWER - Personal Judgement the direct di stribution of insurance utilizes all of the following to mote the sale of insurance Except? - ANSWER - Telephone call from an agent. A contract in which one party promises to indemnify another against loss that arises from an unknown event is - ANSWER - an insurance policy. All of the occurrences listed below are examples of an insurable event as defined by the California Insurance code EXCEPT? - ANSWER - an insured suffers a financial loss in the state lottery. all of the following statements about aleator y contracts are true EXCEPT? - ANSWER - the insured and insurer contribute equally to the contract. all of the following would be considered unfair trade practices EXCEPT? - ANSWER - committing any act of discrimination whether it be deemed fair or unfair. As authorized by the California Insurance Code, the Insurance Commissioner has provided standards for names used by life insurance agents. Under these standards which, if any, of the following are automatically acceptable for Mary Brown, a holder of the C LU designation? - ANSWER - Mary Brown Insurance Services. A contract of indemnity is one in which? - ANSWER - one party is restored to the same financial position the party was in before the loss occurred. In insurance terminology, "indemnity means? - ANSW ER- to make whole. As defined in the California insurance Code, "insurance" is a? - ANSWER - Contract what would a person be guilty of who refuses to deliver any books records, or assets to the commissioner once a seizure order has been executed? - ANSWER - A misdemeanor. An agent who is acting as an insurance agent, broker, solicitor, life agent, accident and health, or bail agent acts in which capacity when handling premiums or return premiums for an insured? - ANSWER - fiduciary which of the following s tatements regarding risk is TRUE? - ANSWER - Only pure risks are insurable. the purchase of an insurance policy may accomplish all of the following Except? - ANSWER - the elimination of risk Insureds are entitled to recover an amount NOT greater than the a mount of their loss under the principle of - ANSWER - Indemnity. What rule is used to determine the importance of a representation? - ANSWER - The materiality of concealment. The required contents of a policy include all of the following EXCEPT? - ANSWER - The probability of loss All of the following are characteristics of reinsurance EXCEPT ? - ANSWER - Increases the unearned premium reserve According to the California code, an insurance policy must specify all of the Following Except? - ANSWER - the financ ial rating of the insurer
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