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A 56 yr old male complains of tearing chest pain that radiates to his back. He was the restrained driver involved in a car-crash at high-way speeds. What should your secondary assessment include? - ANSWER Bilateral upper extermity blood pressures A 34 yr old male has a fractured left elbow and his arm is cyanotic and pulse less. What should you do. - ANSWER Align with gentle traction until restiance is met. A 23 yr old male was stabbed in the lower left quadrant. He was minor bleeding from...

53 yo F hit by car. Unresponsive w/ deformity to the left femur and pelvic instability. Diminished lung sounds on L side. You should? - ANSWER Immobilize long backboard 28 yo M, blunt trauma to R anterior chest. Pale, cool, diaphoretic and responsive to verbal. R 38 and shallow with paradoxical movement. What should you do? - ANSWER 02 with positive pressure ventilations What is the most likely cause of periorbital echymosis? - ANSWER Basilar skull fracture

Modified Endowment Contract (MEC) is best described as - ANSWER A life insurance contract which accumulates cash values higher than the IRS will allow According to life insurance contract law, insurable interest exists - ANSWER At the Time of the application Under Workers' Compensation, injured employees are covered for all of the following issues EXCEPT - ANSWER Pain and suffering

Which policy provision permits the policy owner to take a specified number of days to examine the contract, and allows for cancellation and a full refund if the policy owner rejects the terms or costs? - ANSWER Free Look When will a policy pay on a UCR basis? - ANSWER When particular benefits are not listed on a payment schedule

Admitted Insurance Company vs. Non-Admitted Insurance Company - ANSWER 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 (CDI) A non-admitted insurance company is not authorized to transact insurance in California because of failing to comply with California requirements or did not seek admission Pure Risk vs. Speculative Risk - ANSWER Pure risks are insurable but Specu...

Health insurance coverage under COBRA, HIPAA guarantees that the person will - ANSWER Have Acces to a guaranteed-issue individual health policy, regardless of health All the following statements about ordinary (or straight) whole life insurance are correct - ANSWER The cash value remains level throughout the life of the policy Which activity in NOT an error or omission that makes an agent or producer legally to both the insurance and the insure - ANSWER Placing insurance with an approved s...

The Commissioner of Insurance is appointed by the Governor for a term of - ANSWER 4 years All of the following are examples of insurance transactions except: A. soliciting applications for insurance B. delivering policies C. licensing of producers D. collecting premiums - ANSWER Correct answer: C - licensing of producers

Interest is credited to a fixed annuity no lower than the - ANSWER contract guaranteed rate Which of these statements regarding the extended term insurance nonforfeiture option is accurate? - ANSWER The premium to purchase the coverage comes from the policy's cash value

Health care accounts and Dependent care accounts - ANSWER What are the 2 types of Flexible Spending Accounts? Cash value is guaranteed - ANSWER Concerning a Whole Life Policy, which of the following statements is correct?

What type of annuity provides a pre-determined income amount for life? - ANSWER Fixed Life annuity A life insurance policy which matures at the termination of a specified period other than age 100 is an - ANSWER Endowment A type of life insurance policy that a person may purchase to make sure that a debt or loan will be paid off in case of their premature death. - ANSWER Mortgage redemption insurance