Aflac Academy Insurance Exam ACL006-010 Questions & Answers Already Passed!!
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Aflac Academy Insurance ACL006-010
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Aflac Academy Insurance ACL006-010
*A situation that arises during the sale of insurance coverage to a customer in which the producer's self
interest interferes with their obligation to act in the best interests of the customer is called:*
A. conflict of interest
B. dispute resolution
C. teachable moment
D. NONE of the ABOVE - ...
Aflac Academy Insurance Exam ACL006 -
010 *A situation that arises during the sale of insurance coverage to a customer in which the producer's self interest interferes with their obligation to act in the best interests of the customer is called:* A. conflict of interest B. dispute resolution C. teachable moment D. NONE of the ABOVE - Answer -*A. conflict of interest* *Which of the following reasons is NOT a valid reason for replacing a customer's insurance coverage?* A. rate increase B. declining health status C. need for increased coverage D. NONE of the ABOVE - Answer -*B. declining health status* *What MUST insurance producers have in the event of being sued for malpractice?* A. personal savings B. lawsuit and liability insurance coverage C. errors and omissions insurance coverage D. NONE of the ABOVE - Answer -*C. errors and omissions insurance coverage* *National Sales Guidelines combine _____ and _____ for Aflac specific business protocol.* A. Rules, exceptions B. Procedures, direction C. NONE of the above - Answer -*B. Procedures, direction* *If your local radio station requests an interview with you to discuss Aflac Insurance products in your capacity as an Aflac sales producer, are you authorized to speak with the station?* A. NO, only sales management are authorized to speak on behalf of Aflac B. YES, every sales producer is designated a spokesperson for Aflac C. NO, only individuals authorized by Aflac WorldWide Headquarters (WWH) are permitted to discuss Aflac or its products with the media. - Answer -*C. NO, only individuals authorized by Aflac WorldWide Headquarters (WWH) are permitted to discuss Aflac or its products with the media.* *Purposely holding applications for contest qualification for yourself or others is ________________________________.* A. allowable, if you are trying to qualify for Honors Clubs B. frowned upon but acceptable C. a prohibited practice - Answer -*C. a prohibited practice* *Which example satisfies the requirement that a producer MUST be licensed to sell insurance in EACH state in which the account resides PRIOR to soliciting insurance coverage to customers?* A. Obtaining confirmation of your valid state insurance license to sell insurance in each state in which the account resides prior to meeting with any customers about buying insurance coverage B. Talking with friends and family about buying insurance coverage from you while you are studying for the agent licensing test C. Selling less than five insurance policies before receiving your insurance agent license D. Selling three insurance policies in a neighboring state to the state where you have a valid agent's license - Answer -*A. Obtaining confirmation of your valid state insurance license to sell insurance in each state in which the account resides prior to m eeting with any customers about buying insurance coverage* *Which of the following is an example of agent fraud?* A. requiring each applicant, including a spouse, to sign their own application. B. Altering a customer's date of birth on an application C. requiring a customer to review and acknowledge all disclosures during the application/enrollment process. D. NONE of the ABOVE - Answer -*B. Altering a customer's date of birth on an application* *We create environments that are free from discrimination and harassment. This means ________________ toward other people, whether they are our Aflac teammates or external contacts.* A. Engaging in inappropriate conduct B. Allowing discrimination and harassment C. Refraining from inappropriate conduct D. NONE of the above - Answer -*C. Refraining from inappropriate conduct* *If you provide false or misleading statements to Aflac regarding your insurance sales activity or knowingly allowing false or misleading statements on a customers application for coverage or claim form:* A. your contract may be suspended B. your contract may be terminated C. ALL of the ABOVE - Answer -*C. ALL of the ABOVE* *Prohibited Practices are __________________________________________.* A) providing any cash returns in an effort to reduce premiums B) watching the applicant sign the application C) both A and B D) neither A and B - Answer -*A) providing any cash returns in an effort to reduce premiums*
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