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Exam (elaborations)

CA PSI Site - Life, Accident and Health Agent Examination (Life Agent) Already Pass

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44 pages
2023/2024 Written for academic year
Institution CA PSI
Course CA PSI
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Admitted Insurance Company vs. Non-Admitted Insurance Company 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 Pure risks are insurable but Speculative risks are not Pure Risks - A possibility of loss, no loss, or gain Pure Risk - A possibility of loss or no loss; there is no possibility for gain Contract of Adhesion One party writes the contract without inout from the other party on a "take-it-or-leave-it" basis

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