Speculative risks - Study guides, Class notes & Summaries
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USAA P&C Insurance Adjuster EXAM QUESTIONS CORRECTLY ANSWERED
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USAA P&C Insurance Adjuster EXAM 
QUESTIONS CORRECTLY ANSWERED 
Perils - ANSWER Causes of loss identified in the policy (Fire, lightening, internal 
explosion ,Wind, Hail, Collision) 
Hazard - ANSWER Condition that create or increases the chance or loss or contributes 
to the loss 
Physical Hazard - ANSWER Visible ( operational features of a risk) 
Moral Hazard - ANSWER Intentional dishonesty or illegal actions of a person (arson) 
Morale Hazard - ANSWER Carelessness or indifference ( attitud...
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CA PSI Site - Life, Accident and Health Agent Examination (Life Agent)| Questions and Answers, 100% Correct| Latest 2023/2024
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CA PSI Site - Life, Accident and Health Agent Examination (Life Agent)| Questions and Answers, 100% Correct| Latest 2023/2024 
CA PSI Site - Life, Accident and Health 
Agent Examination (Life Agent)| Questions 
and Answers, 100% Correct| Latest 
2023/2024 
Admitted Insurance Company vs. Non-Admitted Insurance Company 
An admitted insurance company is authorized to transact insurance in California 
because it has a Certificate of Authority granted by the California Department of 
Insurance (...
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Michigan Property & Casualty Exam 2023/2024 with Complete Solutions
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Indemnity - ANSWER-a payment for damages or loss 
 
Risk - ANSWER-Uncertainty or chance of loss occurring 
 
Pure Risk - ANSWER-Presents the chance of loss with no opportunity for gain 
 
Speculative Risk - ANSWER-Presents the chance of loss with an opportunity to gain (Like Gambling) 
 
Exposure - ANSWER-a unit of measurement used to determine rates charged for insurance coverages. 
 
Hazards - ANSWER-Conditions or situations that increase the probability of an insured loss occurring. 
 
Peril ...
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A.R.M. 400 Exam test bank correctly answered 2023
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A.R.M. 400 Exam test bank correctly answered 2023When communicating a decision up the organization's chain of command, consulting with outside experts can help a risk management professional do which one of the following? 
A. Seek feedback from stakeholders 
B. Stay focused on the organization's objectives 
C. Define the organization's risk appetite 
D. Enhance stakeholders' confidence in the process 
D 
 
 
 
Which of the following risk management program goals is an essential goal for all ...
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A.R.M. 400 Exam Practice Exam 2023 With Correct Answers…
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A.R.M. 400 Exam Practice Exam 2023 With Correct Answers… 
 
When communicating a decision up the organization's chain of command, consulting with outside experts can help a risk management professional do which one of the following? 
A. Seek feedback from stakeholders 
B. Stay focused on the organization's objectives 
C. Define the organization's risk appetite 
D. Enhance stakeholders' confidence in the process 
D 
Which of the following risk management program goals is an essential goal f...
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CPCU 500 Exam Questions- Managing Evolving Risks with correct Answers
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Drones may be equipped with cameras that relay data in real-time 
 
Which one of the following uses infrared light to detect nearby objects? - Answer- Lidar 
 
AMRM Insurance Company sells insurance in Virginia, North Carolina, South Carolina, and Georgia. The company has compiled a policyowner data base that can be used to send text messages when hurricanes approach. The company provides early warnings, storm updates from the National Weather Service, and hurricane safety measures. The company ...
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Texas Property & Casualty Insurance License Exam With Accurate Answers 2023
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Texas Property & Casualty Insurance License Exam with Accurate Answers 2023 
 
In order to be considered legally binding, an insurance contract must include all of the following - Offer and acceptance. 
Competent parties. 
Consideration 
(The four essential elements of all legal contracts are offer and acceptance, consideration, legal purpose, and competent parties.) 
 
With respect to a bonded contractor who defaults on a construction performance contract, which of the following statements is...
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LOMA 281 Module 1 (100% Correct Answers) 2024.
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Risk correct answers the possibility of an unexpected result. 
 
Premium correct answers A specified amount of money an insurer charges in exchange for its agreement to pay a policy benefit when a specific loss occurs. 
 
Insurance company correct answers A company that provides protection against the risk of financial loss caused by specific events. 
 
Life insurance correct answers A type of insurance under which the insurer promises to pay a death benefit upon the death of a named person. 
 
...
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ACA Final Exam Questions and Answers 2023
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ACA Final Exam Questions and Answers 2023 
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 write policies ...
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ADJUSTER PRO - INSURANCE ADJUSTER TEST(QUESTIONS AND REVIEWED ANSWERS) 2023-2024
- Exam (elaborations) • 14 pages • 2023
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ADJUSTER PRO - INSURANCE 
ADJUSTER TEST(QUESTIONS AND 
REVIEWED ANSWERS) 2023-2024 
What is insurance? - CORRECT ANSWER-protection against financial loss 
what is a premium - CORRECT ANSWER-a scheduled amount to be paid for an 
insurance policy. 
What are premiums used for - CORRECT ANSWER-premiums are collected into a 
"pool" or "reserve to pay out claimants when needed. 
how can insurance companies afford to pay for an individuals catastrophic loss? - 
CORRECT ANSWER-the insurer collect...
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