Florida value policy law Study guides, Class notes & Summaries
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Florida Life, Health and Variable Annuity Exam Correct !!
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Entire Contract Provision - ANSWER found at the beginning of the policy, saying that the policy cannot refer to any outside documents as being part of the contract and prohibiting the insurer from making any changes to the policy after it has been issued. (can only make good changes not bad) 
 
Insuring Clause - ANSWER sets forth the company's basic promise to pay benefits upon the insured's death. 
 
Free-Look Provision - ANSWER gives policyowners the right to return the policy for a full pre...
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Florida Real Estate STATE exam Questions and Answers 100% Pass
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Florida Real Estate STATE exam Questions and Answers 100% Pass 
The best protection that the public has during a Real Estate transaction is (are) 
A. The national and state association of REALTORS 
B. The punishment of licensees dealing dishonesty 
C. the high ethical standards of real estate agents D. FREC and the license law D. FREC and the license law 
A group license 
A. allows a broker to have a branch office 
B. allows a sales associate to work for more than one broker 
C. may be held by a...
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Florida Claims Adjuster Exam 2023 , 6-20 All Lines Adjuster- Florida- Review
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Florida Claims Adjuster Exam 2023 
 
1.	Peril: Something that causes a loss. 
 
2.	Hazard: Something that increases the probability that a loss will occur. 
 
 
 
 
3.	Warranty: A policy condition, either based on information in the i nsureds appli- cation or inserted by the insurer. It is a guarantee of a fact. 
 
4.	Misrepresentation: An untrue statement by the insured, made in an application for insurance but which does not become a part of the policy. 
 
 
 
5.	Concealment: Th...
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Florida Life, Health and Variable Annuities With Correct Solutions!!
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Disability Buy-Out plans feature: - ANSWER Long elimination plans up to two years (A disability buy-out plan funded with disability insurance has a long elimination period of generally two years. The elimination period begins the day of the disability. Then the disability policy will provide a lump sum to buy the disabled partner out. They want to make sure that the partner is not going to recover and come back to work) 
 
When MUST the Office of Insurance Regulation conduct a market conduct exa...
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Florida Life and Variable Annuity 100% Correct
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peril - ANSWER the immdeiate specific event causing loss and giving rise to risk 
 
hazard - ANSWER any factor that gives rise to a peril 
 
physical hazard - ANSWER individual characteristics that increase chance of peril 
*physical condition, past medical history, condition at birth 
 
moral hazard - ANSWER tendencies that people may have that increase risk and chance of loss *drug addiction and alcholism 
 
morale hazard - ANSWER individual tendencies that arise from an attitude or state of m...
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ACA Final Exam questions and answers well elaborated
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ACA Final Exam questions and answers well elaborated 
At the end of this course, you must do which of the following? 
 
Pass the final course exam with a scored of 70% or higher 
 
Print your certificate from this website 
 
Apply for your Insurance Adjuster license at the Florida Department of Financial Services website at 
 
All of the above 
All of the above 
 
 
 
Which of the following is NOT one of the duties of the Department of Financial Services? 
 
License adjusters 
Set rates and writ...
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XCEL FL TEST STUDY GUIDE LATEST UPDATE GRADED A+
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XCEL FL TEST STUDY GUIDE LATEST UPDATE GRADED A+ Which of the following types of health coverage frequently uses a deductible? Major Medical policy 
What kind of Accidental Death and Dismemberment (AD&D) insurance beneficiary requires his/her consent when a change of beneficiary is made? Irrevocable beneficiary 
If a 10-Year Term Life policy contains a Renewability provision, the policy will renew without evidence of insurability 
Under Florida law, a variable annuity policyowner must be notifie...
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Exam Simulator- Florida Life and Health State Exam Simulator Latest 2024 Graded A
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Exam Simulator- Florida Life and Health State Exam Simulator Latest 2024 Graded A 
Which of the following statements about guaranteed renewable health insurance policy is correct? Premiums normally increase at the time of renewal. 
The issuer must provide a perspective buyer with an? Buyers guide and policy summary 
T would like to be assured $10,000 is available in 10 years to replace a roof on his house. What kind of $10,000 policy should T purchase? Ten-year Endowment 
According to the time p...
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Exam Simulator: Florida Life and Health State Exam Latest Update Graded A
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Exam Simulator: Florida Life and Health State Exam Latest Update Graded A A nonforfeiture clause gives the policy owner guaranteed values even if the policy has lapsed 
P loses an arm is a farm accident and is paid $10k from his Accidental Death and Dismemberment policy. This benefit is known as the Capital Sum 
P, age 50, purchased an annuity that P will fund with $500/ month for 15 years. The annuity will then pay P retirement payments after the 15 years. Which type of annuity did P purchase? ...
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Florida Insurance Post Exam Questions With All Complete Answers 2024.
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Risk - Answer the chance of financial loss 
 
Risk is NOT the loss itself, but the _________ of loss. - Answer CHANCE 
 
Policy - Answer a written contract for effecting insurance and includes Clauses, Riders, endorsements, and papers which are part of the contract 
 
Insurance - Answer a contract where one undertakes to indemnify another or pay a specific amount determined on contingencies 
 
Binders - Answer temporary insurance which can be made orally or written 
 
property ins...
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