False pretenses - Study guides, Class notes & Summaries
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Life & Health Insurance Exam (Arkansas). 218 Questions with 100% Correct Answers | Verified | Updated 2024.
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Life & Health Insurance Exam (Arkansas). 218 Questions with 100% Correct Answers | Verified | Updated 2024. 
 
Reserves 
Funds held by the company to fullfull future claims. Funds are set by the state department of insurance. 
Multi-line Insurer 
An insurance company selling more than one line of insurance. (Ex. Home, auto, health, etc) 
Stock Companies 
Owned and controlled by stockholders, whose investment set the safety margin. Guaranteed fixed premiums. Nonparticipating policies. 
nonpartici...
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FLORIDA HEALTH 240 INSURANCE
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the contract 
 
Utmost good faith - Answer-Each party is entitled to rely on the representation of the other, and each party should have a reasonable expectation that the other is acting in good faith without attempts to conceal or deceive. 
 
Aleatory Contract - Answer-A contract under which one party's performance is contingent on an uncertain event. 
 
property and casualty agent - Answer-has the power to bind the insurer 
 
Adhesion Contract - Answer-Insurance company drafts contract and th...
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PSI Life Final Exam With Actual Answers 100% 2024.
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Obtaining consumer information reports under false pretenses is prosecutable by which of the following? 
1. 
USA Patriot Act 
2. 
Fair Credit Reporting Act 
3. 
State laws where the applicant resides 
4. 
Securities and Exchange Commission - Answer 2. 
Fair Credit Reporting Act 
 
All of the following are features of the spendthrift clause EXCEPT 
 
1. 
proceeds are paid in some other way than a single lump sum. 
2. 
proceeds are protected by the insurer from the beneficiary's creditors. 
3. ...
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PSI Life, Accident & Health Questions & Answers Latest 2023 / 2024; 100% Pass
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PSI Life, Accident & Health Questions & Answers 
 
How long after being entitled to disability benefits will an individual be eligible to receive Medicare benefits? 
A. immediately 
B. 1 year 
C. 2 years 
D. At age 65 
Correct Answer: 
2 years 
 
The group conversion option is allowed for all of the following EXCEPT 
A. termination of the master policy. 
B. loss of group coverage due to termination of employment. 
C. upon the loss of eligibility on the part of a class of insureds. 
D. during t...
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My Life and Health Insurance Study Guide- ExamFX
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An insured pays a $100 premium every month for his insurance coverage, yet the insurer promises to pay $10,000 for a covered loss. What characteristic of an insurance contract does this describe? - Answer- Aleatory: an aleatory contract means unequal amounts are exchanged between payments and benefits 
 
What is the Federal Credit Reporting Act? - Answer- Establishes procedures that consumer-reporting agencies must follow in order to ensure that records are confidential, accurate, relevant, and ...
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PA LIFE INSURANCE EXAM 2024 WITH 100% CORRECT ANSWERS
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PA LIFE INSURANCE EXAM 2024 WITH 100% CORRECT ANSWERS 
 
 
Single premium cash value policy can be described as.. - correct answer a policy that is paid up only after one payment 
 
All of the following are considered appropriate uses of life insurance.. - correct answer - attracting quality employees by offering a group life plan 
- protecting the business by covering key employees with life insurance 
- funding an entity buy sell agreement 
 
The do not call list offers exemption from all exc...
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XCEL SOLUTIONS PENNSYLVANIA INSURANCE TEST | QUESTIONS & ANSWERS (VERIFIED) | LATEST UPDATE | GRADED A+
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XCEL SOLUTIONS PENNSYLVANIA 
INSURANCE TEST | QUESTIONS & 
ANSWERS (VERIFIED) | LATEST 
UPDATE | GRADED A+ 
A nonparticipating company is sometimes called a 
Correct Answer: Stock Insurer 
The Do Not Call Registry offers exemptions for calls placed from all the following 
EXCEPT 
Correct Answer: Insurance Sales Calls 
Ken is a producer who has obtained Consumer Information Reports under false 
pretenses. Under the Fair Credit Reporting Act, what is the maximum penalty that may 
be imposed ...
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PSI: LIFE, ACCIDENT, AND HEALTH PRACTICE EXAM ALREADY PASSED
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PSI: LIFE, ACCIDENT, AND HEALTH PRACTICE EXAM ALREADY PASSED 
Under the misstatement of age or gender provision, what happens if it is determined at death that the insured's age or gender was misstated on a life insurance policy application? Benefits are adjusted to an amount that the premium would have purchased at the correct age or gender. 
Which of the following must be given to the insurer within 20 days after occurrence or commencement of any loss covered by the policy, or as thereafter a...
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ExamFX Life and Health Insurance Study Guide | 312 Questions with 100% Correct Answers | Verified | Latest Update 2024 | 34 Pages
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An insured pays a $100 premium every month for his insurance coverage, yet the insurer promises to pay 
$10,000 for a covered loss. What characteristic of an insurance contract does this describe? - 
Aleatory: an aleatory contract means unequal amounts are exchanged between payments and 
benefits 
What is the Federal Credit Reporting Act? - Establishes procedures that consumer-reporting agencies 
must follow in order to ensure that records are confidential, accurate, relevant, and properly used....
-
Xcel Solutions Pennsylvania Insurance Test Questions and Answers Already Passed
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Xcel Solutions Pennsylvania Insurance 
Test Questions and Answers Already 
 
Passed 
 
A nonparticipating company is sometimes called a Stock Insurer 
 
The Do Not Call Registry offers exemptions for calls placed from all the following EXCEPT 
Insurance Sales Calls 
 
Ken is a producer who has obtained Consumer Information Reports under false pretenses. Under 
the Fair Credit Reporting Act, what is the maximum penalty that may be imposed on Ken? 
$5,000 
 
A plan in which an employer pays insura...
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