Insuring clause - Study guides, Class notes & Summaries
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Life, accident and health insurance state exam- OH Already Passed
- Exam (elaborations) • 31 pages • 2023
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Life, accident and health insurance state exam- OH Already Passed 
A person who is a nonsmoker, of average weight and in excellent health would most likely be in which risk classification? preferred 
Preferred risk policies with reduced premiums are issued by insurance companies bc the insured has better than average mortality 
The waiver of premium does NOT include which provision? Al future premiums are waived if the insured recovers from the disability 
An advertisement for an insurance produ...
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NY Independent General Adjuster Exam - Series 17-70 Questions and Answers 100% Pass
- Exam (elaborations) • 33 pages • 2023
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NY Independent General Adjuster Exam - Series 17-70 Questions and Answers 100% Pass Dram Shop Liability refers to: Liquor Law Liability. 
The insured has suffered a covered loss under his DP-3 dwelling form. He fails to protect the property from further loss. The additional loss that occurs as a result of his inactions may be denied because of what clause in the policy? Neglect. 
To be eligible for the New York assigned risk auto plan a person must: Hold a valid driver's license. 
Any insurance...
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CHAMPIONS REAL ESTATE FINANCE GRADED A+ ALREADY PASSED 2023
- Exam (elaborations) • 22 pages • 2023 Popular
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Loan-to-Value Ratio (LTV) - correct answer The percentage of the lesser of the appraised value or sales price that the lender will lend. 
 
ex: If a borrower is approved for an 80% loan, it means that the lender will loan up to 80% of the sales price or appraised value, whichever is lower. 
 
Package Mortgage - correct answer Includes both real and personal property ( fixtures and furnishings) 
 
Blanket Mortgage - correct answer Covers more than one piece of property. 
 
Wraparound Mortgage - c...
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XCEL Final Exam California Life Insurance Exam Questions and Answers 2024
- Exam (elaborations) • 9 pages • 2024
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A savings vehicle designed to first accumulate funds and then systematically liquidates the funds is called a(n) - Deferred Annuity 
 
Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly payments for 5 years, Cindy dies. How many remaining payments will the insurer make to her beneficiary? - 60 Payments 
 
What distinguishes a deferred annuity from an immediate annuity? - The time at which benefit payments start 
 
The systematic liquidation of a sum of money...
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Georgia Adjuster Exam Questions and Answers Already Passed
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Georgia Adjuster Exam Questions and Answers Already Passed 
An insured's business is damaged because of a fire and he is forced to close business temporarily for repairs. As a result the insured lost income. What type of loss is this? Consequential also known as Indirect Loss 
The insured crashes into a porch and the person sitting on the porch. The person on the porch is injured. The insured's insurance policy has a limit set at $500,000. This amount applies to the total of damages for any bo...
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Comprehensive Final Certification Exam: Illinois Health Insurance (Xcel Solutions)
- Exam (elaborations) • 9 pages • 2024
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Comprehensive Final Certification Exam: 
Illinois Health Insurance (Xcel Solutions) 
Which type of long-term care benefit would be most appropriate for a stroke victim who requires 
speech therapy administered at her home? - Answer ️️ -home health care 
Jennifer is required to pay a specific sum out of pocket before any benefits are paid in a year. Her 
health policy most likely contains a(n) - Answer ️️ -deductible 
When a producer submits an insurance applicaton, the application is REQ...
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NY Series 17-52 Questions and Answers 100% Pass
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NY Series 17-52 Questions and Answers 100% Pass 
How many eligible employees must be included in a contributory health insurance plan? 50% 
A man works for Company A and his wife works for Company B. The spouses are covered by health plans through their respective companies that also cover the other spouse. If the husband files a claim, The insurance through his company is primary. 
What is the period of coverage for events such as death or divorce under COBRA? 36 months 
Twenty-five days after ...
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Champions real estate finance Exam Questions with Verified Answers
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mortgage Broker - Answer- Functions as a middleman between the borrower and the lender, negotiating, selling or arranging loans to be delivered to large investors 
 
Mortgage Banker - Answer- Provide their own funds for the purpose of providing mortgage financing 
 
Correspondent Lender - Answer- Smaller in scale then mortgage bankers or brokers, these lenders typically extended loans with their own funds at their own risk 
 
Origination - Answer- The process of creating a new mortgage loan 
 
U...
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Texas Life And Health Insurance Exam Questions With Correct Answers | Latest 2023/2024 (Graded A+)
- Exam (elaborations) • 23 pages • 2023
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Texas Life And Health Insurance Exam Questions With Correct Answers | Latest 2023/2024 (Graded A+). Which of the following actions is NOT possible with a Universal Life policy? - Correct 
Answer-Premiums may be applied as a credit against income tax 
Which of the following will a Long Term Care plan typically provide benefits for? - 
Correct Answer-home health care 
Which health policy clause stipulates that an insurance company must attach a copy of 
the application to the policy to ensure that...
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NY Independent General Adjuster Exam - Series 17-70 (+180 Questions and Answers |Guarantee Pass
- Exam (elaborations) • 23 pages • 2023
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NY Independent General Adjuster Exam - Series 17-70 (+180 Questions and Answers |Guarantee Pass 
Dram Shop Liability refers to: {{Correct Ans- Liquor Law Liability. 
 
The insured has suffered a covered loss under his DP-3 dwelling form. He fails to protect the property from further loss. The additional loss that occurs as a result of his inactions may be denied because of what clause in the policy? 
{{Correct Ans- Neglect. 
 
To be eligible for the New York assigned risk auto plan a person mus...
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