Insurance solicitation - Study guides, Class notes & Summaries
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NJ Life Insurance Exam Latest Update Graded A+
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NJ Life Insurance Exam Latest Update 
 
Graded A+ 
 
Adverse Selection insuring of risks that are more prone to losses than the average risk 
 
lapse policy termination due to nonpayment of premium 
 
Insurance transfers risk of loss from an individual or business entity to an insurance company 
which in turn spreads the costs of unexpected losses to many individuals 
 
Life Insurance protects against loss associated with an insured's death, and pays a death 
benefit to beneficiaries upon death...
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Idaho Life Insurance Exam Questions and Answers 100% Correct
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Idaho Life Insurance Exam Questions and Answers 100% CorrectIdaho Life Insurance Exam Questions and Answers 100% CorrectIdaho Life Insurance Exam Questions and Answers 100% CorrectIdaho Life Insurance Exam Questions and Answers 100% Correct 
What is insurance? - ANSWER-Insurance is a contract in which one party (the insurance company) agrees to indemnify (make whole) the insured party against loss, damage or liability arising from an unknown event. It transfers the risk of loss from an individua...
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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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NY Life, Accident, and Health Insurance Agent/Broker Exam Series 17-55| 200 QUESTIONS| GRADED A
- Exam (elaborations) • 60 pages • 2023
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NY Life, Accident, and Health Insurance 
Agent/Broker Exam Series 17-55| 200 
QUESTIONS| GRADED A 
Process 2103 (d-i) - answer1. The Superintendent may issue a license to any person, firm or 
corporation who has complied with the requirements of the Insurance Code, authorizing the 
licensee to act as agent of any authorized insurer. Every individual applicant for a license under 
this section and every proposed sub-licensee must be 18 years of age or older at the time of 
issuance of such licens...
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NY Life, Accident, and Health Insurance Agent/Broker Exam Series 17-55 100% Pass
- Exam (elaborations) • 94 pages • 2024
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NY Life, Accident, and Health Insurance Agent/Broker Exam Series 17-55 100% Pass Process 2103 (d-i) 1. The Superintendent may issue a license to any person, firm or corporation who has complied with the requirements of the Insurance Code, authorizing the licensee to act as agent of any authorized insurer. Every individual applicant for a license under this section and every proposed sub-licensee must be 18 years of age or older at the time of issuance of such license. The person must submit to a...
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Nebraska State Life and Health Insurance Exam Terms 100% Correct
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Nebraska State Life and Health 
Insurance Exam Terms 100% Correct 
 
Adverse Selection Insuring of risks more prone to loss than the average 
 
Agent/Producer legal representative of an insurance company 
 
Applicant/Proposed insured a person applying for insurance 
 
Hazard Conditions that increase the probability of a loss 
 
Moral tendency toward increased risk (driving fast) 
 
Morale indifference towards risk (not locking the door) 
 
Indemnity restoring the insured to the condition that ex...
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NJ Life Producer Practice Exam Questions with Answers
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NJ Life Producer Practice Exam Questions with Answers 
 
According to the Health Insurance Portability and Accountability Act (HIPPA), when can a group health policy renewal be denied? - Answer-Participation or contribution rules have been violated 
 
Which of the following actions is REQUIRED by an agent who is replacing an existing life insurance policy? - Answer-Submit to the replacing insurer a life of the policies to be replaced. 
 
Which market index is normally associated with an indexed ...
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Missouri Life and Health Insurance Correct 100%
- Exam (elaborations) • 26 pages • 2024
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Insurance transaction includes: - ANSWER By mail or other means: 
- Solicitation 
- Negotiation 
- Sale 
- Advising an individual about coverage 
 
Elements of a legal contract - ANSWER -Agreement (offer and acceptance) 
- Consideration 
- Competent parties 
- Legal purpose 
 - Negotiation does NOT need to happen 
 
Who make the offer in an insurance application - ANSWER - Applicant 
 
When does acceptance take place - ANSWER - An insurers underwriter approves the application and issues a pol...
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Texas Penal Code practice exam, Traffic,TCOLE Review Questions and Answers 2023
- Exam (elaborations) • 37 pages • 2023
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Texas Penal Code practice exam, Traffic,TCOLE Review Questions and Answers 2023 
 
A person commits which offense if he intentionally or knowingly abducts another person with intent to terrorize him. - aggravated kidnapping 
 
Texas has jurisdiction of an offense for a person's conduct of another if: - -conduct outside TX constitutes an attempt to commit an offense inside TX 
-conduct outside TX constitutes a conspiracy to commit an offense inside TX and an act in furtherance occurs in TX 
-con...
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Life Insurance (Arkansas Statutes, Rules, and Regs For Life And Health Insurance) 100% Correct
- Exam (elaborations) • 4 pages • 2024
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Life Insurance (Arkansas Statutes, Rules, and Regs For Life And Health Insurance) 100% Correct 
 
 
Life Insurance (Arkansas Statutes, Rules, and Regs For Life And Health Insurance) 100% Correct 
 
 
Life Insurance (Arkansas Statutes, Rules, and Regs For Life And Health Insurance) 100% Correct 
 
 
Life Insurance (Arkansas Statutes, Rules, and Regs For Life And Health Insurance) 100% Correct 
 
 
-Solicitation 
-Negotiations 
-Sale 
-Advising an individual concerning coverage or claims...
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