Aflac Academy Insurance Exam (ACL006-010) QUESTIONS WITH ANSWERS

Aflac Academy Insurance Exam |\ |\ |\ |\




(ACL006-010) QUESTIONS WITH |\ |\ |\




ANSWERS

*A situation that arises during the sale of insurance coverage to
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a customer in which the producer's self interest interferes with
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their obligation to act in the best interests of the customer is
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called:*


A. conflict of interest
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B. dispute resolution
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C. teachable moment
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D. NONE of the ABOVE - CORRECT ANSWERS ✔✔*A. conflict of
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interest*


*Which of the following reasons is NOT a valid reason for
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replacing a customer's insurance coverage?*
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A. rate increase
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B. declining health status
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C. need for increased coverage
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D. NONE of the ABOVE - CORRECT ANSWERS ✔✔*B. declining
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health status* |\

,*What MUST insurance producers have in the event of being sued
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for malpractice?*
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A. personal savings
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B. lawsuit and liability insurance coverage
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C. errors and omissions insurance coverage
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D. NONE of the ABOVE - CORRECT ANSWERS ✔✔*C. errors and
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omissions insurance coverage* |\ |\




*National Sales Guidelines combine _____ and _____ for Aflac
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specific business protocol.*
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A. Rules, exceptions
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B. Procedures, direction
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C. NONE of the above - CORRECT ANSWERS ✔✔*B. Procedures,
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direction*


*If your local radio station requests an interview with you to
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discuss Aflac Insurance products in your capacity as an Aflac
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sales producer, are you authorized to speak with the station?*
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A. NO, only sales management are authorized to speak on behalf
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of Aflac
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B. YES, every sales producer is designated a spokesperson for
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Aflac
C. NO, only individuals authorized by Aflac WorldWide
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Headquarters (WWH) are permitted to discuss Aflac or its |\ |\ |\ |\ |\ |\ |\ |\ |\

,products with the media. - CORRECT ANSWERS ✔✔*C. NO, only
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individuals authorized by Aflac WorldWide Headquarters (WWH)
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are permitted to discuss Aflac or its products with the media.*
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*Purposely holding applications for contest qualification for
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yourself or others is ________________________________.*
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A. allowable, if you are trying to qualify for Honors Clubs
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B. frowned upon but acceptable
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C. a prohibited practice - CORRECT ANSWERS ✔✔*C. a prohibited
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practice*


*Which example satisfies the requirement that a producer MUST
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be licensed to sell insurance in EACH state in which the account
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resides PRIOR to soliciting insurance coverage to customers?*
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A. Obtaining confirmation of your valid state insurance license to
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sell insurance in each state in which the account resides prior to
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meeting with any customers about buying insurance coverage
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B. Talking with friends and family about buying insurance
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coverage from you while you are studying for the agent licensing
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test
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C. Selling less than five insurance policies before receiving your
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insurance agent license |\ |\




D. Selling three insurance policies in a neighboring state to the
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state where you have a valid agent's license - CORRECT
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ANSWERS ✔✔*A. Obtaining confirmation of your valid state
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insurance license to sell insurance in each state in which the
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, account resides prior to meeting with any customers about
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buying insurance coverage*
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*Which of the following is an example of agent fraud?*
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A. requiring each applicant, including a spouse, to sign their own
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application.
B. Altering a customer's date of birth on an application
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C. requiring a customer to review and acknowledge all
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disclosures during the application/enrollment process.
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D. NONE of the ABOVE - CORRECT ANSWERS ✔✔*B. Altering a
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customer's date of birth on an application* |\ |\ |\ |\ |\ |\




*We create environments that are free from discrimination and
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harassment. This means ________________ toward other people,
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whether they are our Aflac teammates or external contacts.*
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A. Engaging in inappropriate conduct
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B. Allowing discrimination and harassment
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C. Refraining from inappropriate conduct
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D. NONE of the above - CORRECT ANSWERS ✔✔*C. Refraining
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from inappropriate conduct*
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*If you provide false or misleading statements to Aflac regarding
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your insurance sales activity or knowingly allowing false or
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misleading statements on a customers application for coverage
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or claim form:*
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