Calculates policy rates Study guides, Class notes & Summaries
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![CHAPTER 1. Property and Casualty Exam Texas, With Complete Verified Solution 2023/2024](/docpics/3151437/64c5288aeaf7e_3151437_121_171.jpeg)
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CHAPTER 1. Property and Casualty Exam Texas, With Complete Verified Solution 2023/2024
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CHAPTER 1. Property and Casualty Exam Texas, With Complete Verified Solution 2023/2024 
 
INSURANCE 
The method of spreading the risk of a financial loss among a large number of people. When spreading the risk reduces the financial impact of an individual loss. 
INSURANCE COMPANY 
entity that agrees to indemnify (make financially whole again) Insureds against covered losses 
PROPERTY 
Various types of insurance designed to insure property from financial loss. D.H.C.I.O.C 
1.Dwelling 
2.Homeowner...
![NC Life Insurance](/docpics/5469197/6656d0acd670d_5469197_121_171.jpeg)
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NC Life Insurance
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NC Life Insurance 
Cash Value 
Money accumulation in a permanent policy which the policy owner may borrow as a policy loan or receive if the policy is surrendered before maturity. Upon maturity or endowment the cash value is paid to the policy owner. Cash value may be used as a source of supplemental income. 
 
 
Non- Participating Policies 
Insurance policies which do not pay dividends to policy owners. 
 
 
Participating Policies 
Policies that may pay annual dividends to policy owners. 
 
 
...
![NC Life Insurance](/docpics/5239803/663c7100e298f_5239803_121_171.jpeg)
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NC Life Insurance
- Exam (elaborations) • 17 pages • 2024
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NC Life Insurance 
Cash Value 
Money accumulation in a permanent policy which the policy owner may borrow as a policy loan or receive if the policy is surrendered before maturity. Upon maturity or endowment the cash value is paid to the policy owner. Cash value may be used as a source of supplemental income. 
 
 
Non- Participating Policies 
Insurance policies which do not pay dividends to policy owners. 
 
 
Participating Policies 
Policies that may pay annual dividends to policy owners. 
 
 
...
![Insurance - NGPF](/docpics/5746454/66831d4b2b8c9_5746454_121_171.jpeg)
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Insurance - NGPF
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Insurance - NGPF 
Risk - answerA situation involving exposure to danger, harm, or loss. 
Insurance - answerA means of guaranteeing protection or safety. 
Risk Pooling - answerThe spreading of financial risk evenly among a large number of 
contributors to the program. 
Insurance Policy - answerA contract in which an individual or entity receives financial 
protection or reimbursement against losses. 
Premium - answerThe specified amount of payment required periodically by an insurer to 
provide c...
![Michigan Life and Health Insurance Exam Correct 100%(Scored A+)](/docpics/3771192/654782a8d6196_3771192_121_171.jpeg)
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Michigan Life and Health Insurance Exam Correct 100%(Scored A+)
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Actuarial Department - ANSWER Calculates policy rates, reserves, and dividends 
 
Alien Insurer - ANSWER An insurer whose principal office and domiciled location is outside the country 
 
Admitted Insurer - ANSWER An admitted or authorized insurer is an insurer who has received a certificate of authority from a state's department of insurance authorizing them to conduct insurance business in that state. 
 
Broker - ANSWER Represents themselves and the insured (i.e. the client, customer) 
 
Capt...
![NC Life Insurance](/docpics/5245291/663cf5a3168ae_5245291_121_171.jpeg)
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NC Life Insurance
- Exam (elaborations) • 17 pages • 2024
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NC Life Insurance 
Cash Value 
Money accumulation in a permanent policy which the policy owner may borrow as a policy loan or receive if the policy is surrendered before maturity. Upon maturity or endowment the cash value is paid to the policy owner. Cash value may be used as a source of supplemental income. 
 
 
Non- Participating Policies 
Insurance policies which do not pay dividends to policy owners. 
 
 
Participating Policies 
Policies that may pay annual dividends to policy owners. 
 
 
...
![NC Life Insurance](/docpics/5412999/664f1def8e5e6_5412999_121_171.jpeg)
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NC Life Insurance
- Exam (elaborations) • 17 pages • 2024
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- $9.49
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NC Life Insurance 
Cash Value 
Money accumulation in a permanent policy which the policy owner may borrow as a policy loan or receive if the policy is surrendered before maturity. Upon maturity or endowment the cash value is paid to the policy owner. Cash value may be used as a source of supplemental income. 
 
 
Non- Participating Policies 
Insurance policies which do not pay dividends to policy owners. 
 
 
Participating Policies 
Policies that may pay annual dividends to policy owners. 
 
 
...
![Business Essentials-Comprehensive Exam And Verified Answers.](/docpics/5634852/666b84095ee2c_5634852_121_171.jpeg)
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Business Essentials-Comprehensive Exam And Verified Answers.
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A business owned and controlled by two or more people who have entered into a written agreement is - Answer Corporation 
 
A short, specific written statement of the reason a businesss exsits and what it want to accomplish is a - Answer Mission Statment 
 
One who has no explict or implicit contract for long-term employment is - Answer Contingent Worker 
 
Descriptions of the way work is to be done is 
a(n) - Answer Procedure 
 
A specific statement of results the business excepts t...
![Test Bank For Corporate Finance, 8th Canadian Edition by Stephen A. Ross](/docpics/3533414/65188d0b6cb2f_3533414_121_171.jpeg)
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Test Bank For Corporate Finance, 8th Canadian Edition by Stephen A. Ross
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Chapter 03 - Financial Planning and Growth 
Multiple Choice Questions 
1. Financial planning is concerned with the basic policy elements of: 
A. investment decision, decisions on the amount of cash payments to shareholders, and the decision of which investment banker to choose. 
B. the method of raising capital, investment decisions, and the level of growth to attain. 
C. investment decisions, degree of financial leverage, and the decision on the amount of cash payments to shareholders. 
D. degr...
![California Life and Health Final Exam 171 Questions with Answers,100% CORRECT](/docpics/2764798/6465736f88a0c_2764798_121_171.jpeg)
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California Life and Health Final Exam 171 Questions with Answers,100% CORRECT
- Exam (elaborations) • 19 pages • 2023
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California Life and Health Final Exam 171 Questions with Answers 
 
 
Whole Life Policies - CORRECT ANSWER also called permanent insurance, builds cash value, policy endows at age 100 
 
401(k) - CORRECT ANSWER a Cash or Deferred Arrangement (CODA) plan that is a modified profit-sharing or pension plan. 
 
403(b) - CORRECT ANSWER a Cash or Deferred Arrangement (CODA) plan that is a modified profit-sharing or pension plan. 
 
Limit of Liability - CORRECT ANSWER The total amount the insurer will p...
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