As set forth by the fcra - Study guides, Class notes & Summaries
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Webce Life and Health Comprehensive Review Questions and Answers
- Exam (elaborations) • 36 pages • 2024
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Webce Life and Health Comprehensive Review Questions and Answers 
 
Representations and Warranties - Correct answer Representations are statements the applicant makes on an application that are deemed to be true to the applicant's best knowledge. Warranties are statements the insurer makes in the contract." 
 
"Underwriting vs. Actuarial Departments - Correct answer Two related insurance company functions. Through the process of _________, applications are assessed for insurability and to ass...
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NMLS SAFE EXAM 2022 Questions with accurate answers, Graded A latest update 2023
- Exam (elaborations) • 21 pages • 2023
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NMLS SAFE EXAM 2022 Questions with accurate answers, Graded A latest update 2023 
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NMLS SAFE EXAM 2022 Questions with accurate answers, Graded A latest update 2023 What does TILA stand for? - ☑☑Truth-In-Lending Act, Regulation Z What is a HELOC loan? - ☑☑a secured loan in that you are borrowing against the equity that has been built in your house What is a REFI loan? - ☑☑ LTV stands for - ☑☑Loan to Value Define PMI and state what the acronym...
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NMLS SAFE EXAM 2022 Questions with accurate answers, Rated A. 100% proven pass rate
- Exam (elaborations) • 21 pages • 2023
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NMLS SAFE EXAM 2022 Questions with accurate answers, Rated A. 100% proven pass rate 
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NMLS SAFE EXAM 2022 Questions with accurate answers, Rated A. 100% proven pass rate What does TILA stand for? - Truth-In-Lending Act, Regulation Z What is a HELOC loan? - a secured loan in that you are borrowing against the equity that has been built in your house What is a REFI loan? - LTV stands for - Loan to Value Define PMI and state what the acronym stands for. - Pri...
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NMLS SAFE Exam 2022/2023 QA
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RESPA - ANSWER-Real Estate Settlement Procedures Act; Allows borrowers to receive pertinent and timely disclosure regarding the nature and costs of the real estate settlement (closing) process; Enacted in 1974, the law was originally proposed to add more transparency to costs associated with certain real estate transactions and to eliminate abusive practices, such as kickbacks, which artificially increase the cost of settlement services. 
 
When RESPA must be obeyed - ANSWER-When a loan is a fed...
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NMLS SAFE EXAM 2022 ALREADY PASSED, Graded A
- Exam (elaborations) • 22 pages • 2023
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NMLS SAFE EXAM 2022 ALREADY PASSED, Graded A 
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NMLS SAFE EXAM 2022 ALREADY PASSED What does TILA stand for? Truth-In-Lending Act, Regulation Z What is a HELOC loan? a secured loan in that you are borrowing against the equity that ha s been built in your house What is a REFI loan? LTV stands for Loan to Value Define PMI and state what the acronym stands for. Private mortgage insurance- on conventional loans Define one time variable funding fee and people in...
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NMLS SAFE EXAM 2022 Graded A+
- Exam (elaborations) • 15 pages • 2022
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What does TILA stand for? - ANSWER-Truth-In-Lending Act, Regulation Z 
 
What is a HELOC loan? - ANSWER-a secured loan in that you are borrowing against the equity that has been built in your house 
 
What is a REFI loan? - ANSWER- 
 
LTV stands for - ANSWER-Loan to Value 
 
Define PMI and state what the acronym stands for. - ANSWER-Private mortgage insurance- on conventional loans 
 
Define one time variable funding fee and people in what situations is it waived for? - ANSWER-Disabled veterans ...
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NMLS SAFE Test Questions with 100% correct Answers
- Exam (elaborations) • 11 pages • 2022
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CFPB - ANSWER-Consumer Financial Protection Bureau: Part of the Dodd-Frank Act passed in 2010. It is focused on one goal: watching out for American consumers in the market for consumer financial products and services. This includes ensuring that consumers get the information they need to make the financial decisions they believe are best for themselves and their families by making sure prices are clear upfront, risks are visible, and that nothing is concealed in fine print. 
Responsibilities: 
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TEXAS FINAL EXAM HEALTH & LIFE INSURANCE 2023 WITH 100% CORRECT ANSWERS
- Exam (elaborations) • 16 pages • 2023
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S has a Whole Life policy with a premium payment due soon. Which provision would keep the policy in force if S does not make the required payment and the policy has adequate cash value from which the premium payment can be made? 
Automatic Policy Loan 
 
will keep a Whole Life policy in force if a required premium payment is not made and there is sufficient cash value. 
 
 
 
What should an insured do if the insurer does not send claims forms within the time period set forth in a health policy'...
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TEXAS FINAL EXAM HEALTH & LIFE INSURANCE GUIDE
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S has a Whole Life policy with a premium payment due soon. Which provision would keep the policy in force if S does not make the required payment and the policy has adequate cash value from which the premium payment can be made? - Answer- Automatic Policy Loan 
 
will keep a Whole Life policy in force if a required premium payment is not made and there is sufficient cash value. 
 
What should an insured do if the insurer does not send claims forms within the time period set forth in a health pol...
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Webce Life and Health Correct 100%
- Exam (elaborations) • 40 pages • 2023
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Expense Charge (Load Factor) - ANSWER The load factor reflects the costs the insurer expects to incur on the policy. In determining its load factor, an insurer is generally guided by three objectives: 
to cover total operating costs 
to provide a safety margin 
to contribute to profits or surplus 
 
Term Life Insurance - ANSWER This basic form of life insurance provides temporary protection and does not include a cash value while the insured is alive. 
 
Insurable Interest - ANSWER The financial...
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