Aflac ACL06-10 Questions And Answers Rated A+ New Update Assured Satisfaction

What must insurance producers have in the event of being sued for malpractice? - Errors and omissions insurance coverage Incentive programs inclue - -promotions -contests -sweepstakes if your local radio station requests an interview with you to discuss aflac insurance products in your capacity as an aflac sales producer, are you authorized to speak with the station? - No, only individuals authorized by Aflac Worldwide Headquarters are permitted to discuss Aflac or its products wit media Which of the following is NOT considered insurance advertising? - Thank you letter prom the producer to consumer for purchasing insurance coverage which of the following are examples of need-based insurance sales strategies? - -asking your customer about their current insurance coverage -taking time to learn about a customers insurance needs and financial objectives and obligations -using salary illustrations to show the impact of premium payments on take home pay Purposely holding applications for contest qualifications for yourself or others is____ - a prohibited practice Producers who are out on total disability are not allowed to actively produce, write, or solicit new business or resume coordinator responsibilities while receiving Aflac disability benefits. - TRUE if you provide false or misleading statements to Aflac regarding your insurance sales activity or knowingly allowing false or misleading statements on a customers application for coverage or claim form: - -Your contract may be suspended -your contract may be terminatedIt is a prohibited practice to____ - collect any premiums (other than the initial premium on direct) without specific written authorization from Aflac WWHQ which of the following is an example of misrepresentation in the insurance context? - -Telling a customer that there is no waiting period for benefits when the policy contains a seven day waiting period -advising a customer that their Aflac coverage can replace major medical insurance Aflac coverage does NOT cover losses resulting from: - -Inflicting self-harm -participating in a felony -being exposed to war or any act of war in most states, Children____ years and under can be covered under Aflac policies - 26 Aflac insurance may complement, but it is not intended to replace major medical coverage - TRUE Benefits, limitations, and exclusions may vary by state - TRUE Aflac pays cash directly to the policyholder, unless otherwise assigned. - TRUE Which of the following are characteristics of Cancer coverage from Aflac? - -Coverage is individually owned -cancer or an associated cancerous condition diagnosed before the cancer coverage has been in force 30 days is not covered (may vary by state) -Aflac's Cancer policies offer multiple benefits In most states, Cancer coverage from Aflac can provide benefits not only for treatment, but for health screening/ wellness visits - TRUECancer coverage from Aflac is designed to provide: - -wellness/health screening -hospitalization and continuing care benefits -ambulance, transportation, lodging and bone marrow screening benefits Cancer coverage from Aflac pays for treatment of cancer and associated cancerous conditions, including _____ ,_____, or recurrence. - Direct extension, metastatic spread Aflac's cancer coverage provides which of the following benefits? - -surgical -Nonsurgical Aflac's Hospital Indemnity base plan coverage offers a HSA compatible options - TRUE Aflac's Hospital Indemnity base policy is eligible for pre-tax deduction under Internal Revenue Code Section 125 - TRUE Aflac's Hospital Indemnity Coverage covers care or treatment caused by pre existing conditions that begin one week after the effective date of coverage - FALSE