South Carolina Life and Health Final Exam Questions and Answers Already Passed

South Carolina Life and Health Final Exam Questions and Answers Already Passed The branch of dentistry which deals with the replacement of missing parts is called Endodontics Periodontics Orthodontics Prosthodontics Prosthodontics How many months can a life insurance policy normally be backdated from the date of application? 3 6 9 12 6 HIPAA considers which of the following as "individually identifiable health information"? A person's health claim information Which of the following is NOT taken into consideration when determining eligibility for Medicare benefits? Income What is the primary factor that determines the benefits paid under a disability income policy? wages All of the following are functions of an insuring clause EXCEPT Primarily describes the free-look period The Fair Credit and Reporting Act's main purpose is to protect consumers with guidelines regarding credit reporting and distribution What is known as the immediate specific event causing loss and giving rise to risk? Peril Mary is issued an initial producer's license on April 29, 2012. Her birthdate is March 14, 1980. When does her license renew? March 31, 2014 Which approach predicts a person's earning potential and determines how much of that amount would be devoted to dependents? Human life value approach In South Carolina, which of the following statements is TRUE regarding a licensed individual changing his or her legal name? The producer must notify the Department upon changing his or her legal name Which settlement option involves having the proceeds remain with the insurer and earnings paid on a monthly basis to the beneficiary? interest only What would happen if a life insurance applicant is given a conditional receipt from an insurance agent and then dies the next day? Claim will be paid if application is approved In South Carolina, what is the MAXIMUM length of time an insurer can defer payment of a cash surrender value of an annuity? 6 months Which of these is affected by the frequency of an insurance policy's premium payments? Cost In an insurance contract, the insurer is the only party legally obligated to perform. Because of this, an insurance contract is considered unilateral Which of these licensees MUST be appointed