California Life, Accident, and Health
California Life, Accident, and Health
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FInal Exam: California Life, Accident, and Health Insurance All Answers 
Correct 
What distinguishes a deferred annuity from an immediate annuity? The time at which benefit 
payments start 
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 is a common reason people purchase an annuity? To protect against the risk of outliving th...
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Final Exam: California Life, Accident, and Health Insurance Complete Guide 
The systematic liquidation of a sum of money is provided by a(n) annuity 
An annuitant would like to determine the current value of her annuity. To do this, she multiplies the 
number of "accumulation units" she owns times the unit value of the "separate account". What kind of 
annuity BEST matches this description? Variable annuity 
What kind of annuity pays income to two annuitants until their deaths? Joint an...
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What distinguishes a deferred annuity from an immediate annuity? - Answer The 
time at which benefit payments start 
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? - Answer 60 payments 
What is a common reason people purchase an annuity? - Answer To protect against 
the risk of outliving their financial resources 
What kind of annuity pays income to ...
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California Life, Accident, and Health State Exam Questions and Answers Rated A "blackout period" affects widowed spouse 
How long must an individual be unable to engage in any gainful activity due to physical or mental disability in order to qualify for total Social Security Total Disability? 12 months 
What does ESOP stand for? Employee Stock Ownership Plan 
An example of risk sharing would be Doctors pooling their money to cover malpractice exposures 
According to life insurance contract law...
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What distinguishes a deferred annuity from an immediate annuity? - ANSWER The time at which benefit payments start 
 
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? - ANSWER 60 payments 
 
What is a common reason people purchase an annuity? - ANSWER To protect against the risk of outliving their financial resources 
 
What kind of annuity p...
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