Life policy riders - Study guides, Class notes & Summaries
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Texas Life Insurance Exam Questions and Answers with complete solutions
- Exam (elaborations) • 10 pages • 2022
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Insurance 
(General concept) - ANSWER - transfers the risk of loss from an individual to an insurer 
- based on the principle of indemnity 
- based on the principle of risk (risk pooling) 
 
insurable interest 
(General Concept) - ANSWER - must exist at the time of the application 
- insuring one's own life, family member, or a business partner 
 
Solicitation and sales presentation - ANSWER - illustration- presentation of nonguaranteed elements 
- buyer's guide is generic information abo...
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Michigan Surplus Lines Insurance Exam Prep questions and answers latest top score.
- Exam (elaborations) • 14 pages • 2023
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Michigan Surplus Lines Insurance Exam Prep questions and answers latest top score. 
 
 
 
 
 
 
 
 
 
(1)Surplus Lines premiums typically expand during: 
A) A soft Market 
B) A Hard Market - correct answers.A Hard Market. 
 
Surplus lines premiums typically expand during a hard market. 
 
(2) During the time of a hard market, insurers will: 
A) Tighten their underwriting standards 
B) Loosen their underwriting standards - correct answers.A) Tighten their underwriting standards. 
 
Tighten and ra...
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Florida 2-15 exam Questions And Answers
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In a 3 partner cross-purchase plan, how many policies need to be purchased in order to protect each partner against the loss of any other partner? - Answer- 6 
 
According to the NAIC Life Insurance Solicitation Model, when soliciting life insurance, a producer is required to provide a prospect with a ______ and a _______ specific to the product being marketed. - Answer- general buyer's guide; policy summary 
 
The Incontestable Clause states that the insurer cannot contest the validity of a li...
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PRIMERICA LIFE INSURANCE EXAM. All Most Examined Questions Bank with answers. 100% verified. Rated A.
- Exam (elaborations) • 61 pages • 2023
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PRIMERICA LIFE INSURANCE EXAM. All Most Examined Questions Bank with answers. 100% verified. Rated A. 
 
 
 
An insured purchased an insurance policy 5 years ago. Last year, she received a dividend check from the insurance company that was not taxable. This year, she did not receive a check from the insurer. From what type of insurer did the insured purchase the policy? 
 
a. mutual 
b. reciprocal 
c. nonprofit service organization 
d. stock - A. mutual 
 
funds not paid out after paying claims ...
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Colorado Life Insurance Exam | Questions and Verified Answers | 100% Correct (2024 / 2025)
- Exam (elaborations) • 26 pages • 2024
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Colorado Life Insurance Exam | Questions and Verified Answers | 100% Correct (2024 / 2025) 
 
 
 
Question: 
Becky is a 31 years old and knows she needs to start a retirement plan. She currently works in a bakery and is worried about how inflation would affect her retirement plan. Which annuity would be a good fit for her needs? 
Answer: 
Flexible premium deferred annuity 
 
 
Question: 
An insurance application is not complete unless it has: 
Answer: 
The signature of the insured (unless not an...
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OKLAHOMA LIFE AND HEALTH INSURANCE EXAM
- Exam (elaborations) • 36 pages • 2024
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EXCEPT the 
 
riders 
application 
changes made by the producer 
policy - Answer-changes made by the producer 
 
Health insurance involves two perils, accident and ____. - Answer-sickness 
 
All of the following riders can increase the death benefit amount EXCEPT 
 
Cost of Living 
Waiver of Premium 
Accidental Death Rider 
Guaranteed Insurability - Answer-Waiver of Premium 
 
Of the following dividend options, which of these is taxable? 
 
 Reduction of premium 
 One year term 
 Paid-up additio...
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Texas Life and Health: Life Policy Riders, provisions, Options and Exclusions Question and answers 2023 verified to pass
- Exam (elaborations) • 5 pages • 2023
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Texas Life and Health: Life Policy Riders, provisions, Options and Exclusions Question and answers 2023 verified to pass 
 
Which of the following would be deducted from the death benefit paid to a beneficiary, if partial accelerated death benefit had been paid while the insured was still alive? - correct answer Amount paid with the accelerated benefit, plus the earnings lost by the insurance company in interest income from the accelerated benefit 
 
If the policyowner, the insured, and the b...
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Virginia Life and Health Exam Review. Questions with accurate answers. 2022/2023.
- Exam (elaborations) • 16 pages • 2023
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Virginia Life and Health Exam Review. Questions with accurate answers. 2022/2023. 
Document Content and Description Below 
Virginia Life and Health Exam Review. Questions with accurate answers. 2022/2023. What contract term means only one party to a contract's promises are legally enforceable? - Unilateral Mr. Jones, the insured, committed suicide after the expiration of the suicide clause in his life insurance policy. The insurer is obligated to: - Pay the death benefit. The benefit that encou...
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OKLAHOMA LIFE AND HEALTH INSURANCE EXAM 2024 WITH 100% CORRECT ANSWERS
- Exam (elaborations) • 55 pages • 2024
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OKLAHOMA LIFE AND HEALTH INSURANCE EXAM 2024 WITH 100% CORRECT ANSWERS 
 
 
All of the following are included as part of a contract in the entire contract provision EXCEPT the 
 
riders 
application 
changes made by the producer 
policy - correct answer changes made by the producer 
 
Health insurance involves two perils, accident and ____. - correct answer sickness 
 
All of the following riders can increase the death benefit amount EXCEPT 
 
Cost of Living 
Waiver of Premium 
Accidental Death ...
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Microeconomics for Life 2nd Edition Smart Choices for You by Avi J. Cohen_INSTRUCTOR'S MANUAL
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INSTRUCTOR'S MANUAL for Microeconomics for Life 2nd Edition Smart Choices for You by Avi J. Cohen 
 
TABLE OF CONTENT: 
 
Chapter 1 Scarcity, Opportunity Cost, Trade, and Models 
 
Chapter 2 The Law of Demand 
 
Chapter 3 The Law of Supply 
 
Chapter 4 Demand and Supply 
 
Chapter 5 Elasticity 
 
Chapter 6 Government Policy Choices 
 
Chapter 7 Opportunity Costs, Economic Profits and Losses, and the Miracle of Markets 
 
Chapter 8 Monopoly to Competition and In Between 
 
Chapter 9 Marginal Rev...
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