What are covered losses Study guides, Class notes & Summaries
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Cheat Sheet - Property & Casualty Exam Questions and Answers 100% Pass
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Cheat Sheet - Property & Casualty Exam 
Questions and Answers 100% Pass 
What are the forms of homeowner policies? - Correct Answer ️️ -HO-2, HO-3, HO-4, 
HO-5, HO-6, HO-8. Each of these forms provides identical liability coverage. The 
property coverage varies with the homeowners form selected. The following is a list of 
the forms with the covered perils of each. 
HO-2 - Correct Answer ️️ -Broad form; owner occupant 
HO-3 - Correct Answer ️️ -Special Form; owner occupant 
HO-4 - Co...
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Aflac Final Exam Questions & Answers Already Graded A+
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Certain conditions, such as dismemberment or total and permanent blinds, will automatically qualify the 
insured for full disability benefits. Which disability policy provision does this describe? - 
presumptive disability 
Which provision concerns the insured's duty to provide the insurer with reasonable notice in the event 
of a loss? - notice of claim 
Because an insurance policy is a legal contract, it must conform to the state laws governing contracts 
which require all of the following el...
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CIPP/E Exam Questions and Answers 100% Pass
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CIPP/E Exam Questions and Answers 100% Pass 
Outliers work on their website to company x, employee of Company X steals the data -delete it - tells boss. Q: What is company x legally obliged to do? A: NotifyOutliers 
Outliers work on their website to company x, employee of Company X steals the data -delete it - tells boss. Q: What does Outliers then need to do? A: Nothingas data was deleted 
Outliers work on their website to company x, employee of Company X steals the data -delete it - tells boss...
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XCEL Final Exam California Life Insurance Exam Questions and Answers 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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NEW YORK INDEPENDENT FIRE ADJUSTER EXAM SIMULATOR - SERIES 17-64 RATED A+
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NEW YORK INDEPENDENT FIRE ADJUSTER EXAM SIMULATOR - SERIES 17-64 RATED A+ 
Mason has suffered a $42,000 loss to his commercial building due to fire. The building is covered under the Building & Personal Property coverage form and had been vacant for 74 days. The insurer would have paid the entire loss if the building had been occupied, but what will they pay because the insured building was considered vacant? 
$28,980. 
$42,000. 
$6,300. $35,700. For a loss that would otherwise be covered for th...
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Xcel Testing Solutions Life and Health Insurance 215 Questions & Answers 2023/2024
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Xcel Testing Solutions Life and Health Insurance 215 Questions & Answers 2023/2024 
 
The focus of major medical insurance is providing coverage for - ANSWER-medical and hospitalization expenses 
 
An insured under a Major Medical expense plan with a zero deductible and 80/20 coinsurance provision files a $1,000 claim. How much of this claim is the insured responsible for? - ANSWER-$200 
 
because this policy has a zero deductible, the insures is only responsible for the 20% coinsurance on this ...
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Florida Insurance Customer Service Rep 4-40 Exam Questions with 100% Correct Answers
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How can Insurance companies can afford to pay for an individual's catastrophic loss? Correct Answer The premiums from all policyholders are pooled together. 
 
What information is found on the Declarations page? Correct Answer contains the make and model of the covered vehicle described 
 
Steven was denied coverage, a jury decieded in his favor. Why are insurance policies considered "Contracts of Adhesion"? Correct Answer Policy language is open to legal interpretation. 
 
Susan is a Doctor,...
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PSI Practice Exam - Life Insurance Questions and Answers Rated A+
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PSI Practice Exam - Life Insurance Questions and Answers Rated A+ 
For an individual long-term care policy there is an annual dollar limit for tax deductions that is based on which of the 
following? 1. age 
2. cost of care 
3. policy value 4. premium cost 1 
The group conversion option is allowed for all of the following EXCEPT 
1. termination of the master policy . 
2. loss of group coverage due to termination of employment. 
3. upon the loss of eligibility on the part of a class of insureds. ...
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Xcel Solutions Property & Casualty Exam Questions and Answers
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Xcel Solutions Property & Casualty 
Exam Questions and Answers 
An earned premium resulting from the cancellation of a policy is calculated on: - Correct 
Answer ️️ -On a pro rata basis, based on the previous year's rate 
M owns a parking garage & has coverage that states: "We will cover losses regardless if 
you are legally liable for the loss." This no-fault ideology will be found under: - Correct 
Answer ️️ -Excess Direct Coverage 
An insurance company writing business in a state o...
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Property and Casualty Insurance - Final Exam Questions and Answers 2023
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Property and Casualty Insurance - Final Exam Questions and Answers 2023 
An unlicensed employee of an insurance agency may perform all of the following EXCEPT: 
A) Accept a claim form 
B) Type correspondence for a direct mail campaign 
C) Deposit properly endorsed checks into the agency's bank account 
•• D) Advise an insured of coverage issues 
 
 
 
A producer must notify the insurance division of an address change within: 
A) 10 days 
B) 20 days 
C) 25 days 
•• D) 30 days 
 
 
 
A Te...
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