XCEL TESTING SOLUTIONS - CALIFORNIA PRE-LICENSING EDUCATION - LIFE, ACCIDENT AND HEALTH INSURANCE QUESTIONS WITH 100 % CORRECT ANSWERS VERIFIED

When an insurance company requests an attending physician's report, the request must be accompanied by a - Copy of the signed authorization Which of the following is NOT a required uniform provision in individual health policies? - Change of occupation "Life insurance creates an immediate estate". This phrase means - When the insured dies, a death benefit is paid A person who asserts a right of recovery under an insurance policy is called - Claimant Before an insurer is allowed to test an individual for HIV, what must be completed? - Consent Form Jim is the insured on a health insurance policy and holds 2 jobs. If "occupation" is used to classify the risk, the insurer will most likely classify Jim according to the occupation that - is most hazardous Under a long-term care insurance policy, adult day care coverage will provide for - part time care at a facility for elderly individuals who live at home Which of the following is NOT true regarding a family policy that covers children? - Conversion of child's coverage to permanent insurance requires evidence of insurability How long is a person expected to be disabled in order to receive Social Security disability benefits? - 12 monthsWhich of the following describes the number of deaths in a year compared to the number of people in a select group? - Mortality rate Which of the following is NOT required in the content of a policy? - Probability of loss Jim is applying to become an insurance agent and has a past misdemeanor conviction that was later expunged due to California Penal Code 1203.4. Which of the following statements is correct? - Jim must still disclose the conviction on his insurance license application