False pretenses Study guides, Class notes & Summaries
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![Life & Health Insurance Exam (Arkansas). 218 Questions with 100% Correct Answers | Verified | Updated 2024.](/docpics/4741233/65f32f46ad874_4741233_121_171.jpeg)
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Life & Health Insurance Exam (Arkansas). 218 Questions with 100% Correct Answers | Verified | Updated 2024.
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Life & Health Insurance Exam (Arkansas). 218 Questions with 100% Correct Answers | Verified | Updated 2024. 
 
Reserves 
Funds held by the company to fullfull future claims. Funds are set by the state department of insurance. 
Multi-line Insurer 
An insurance company selling more than one line of insurance. (Ex. Home, auto, health, etc) 
Stock Companies 
Owned and controlled by stockholders, whose investment set the safety margin. Guaranteed fixed premiums. Nonparticipating policies. 
nonpartici...
![My Life and Health Insurance Study Guide- ExamFX](/docpics/3913988/6564c3a81e7f1_3913988_121_171.jpeg)
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My Life and Health Insurance Study Guide- ExamFX
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An insured pays a $100 premium every month for his insurance coverage, yet the insurer promises to pay $10,000 for a covered loss. What characteristic of an insurance contract does this describe? - Answer- Aleatory: an aleatory contract means unequal amounts are exchanged between payments and benefits 
 
What is the Federal Credit Reporting Act? - Answer- Establishes procedures that consumer-reporting agencies must follow in order to ensure that records are confidential, accurate, relevant, and ...
![FLORIDA HEALTH 240 INSURANCE](/docpics/5247477/663d2629512e4_5247477_121_171.jpeg)
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FLORIDA HEALTH 240 INSURANCE
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the contract 
 
Utmost good faith - Answer-Each party is entitled to rely on the representation of the other, and each party should have a reasonable expectation that the other is acting in good faith without attempts to conceal or deceive. 
 
Aleatory Contract - Answer-A contract under which one party's performance is contingent on an uncertain event. 
 
property and casualty agent - Answer-has the power to bind the insurer 
 
Adhesion Contract - Answer-Insurance company drafts contract and th...
![PA Motor Vehicle Damage Appraiser's License Questions and Answers 2023](/docpics/3170482/64c961b3005f9_3170482_121_171.jpeg)
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PA Motor Vehicle Damage Appraiser's License Questions and Answers 2023
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PA Motor Vehicle Damage Appraiser's License Questions and Answers 2023 
Applicant Age 
18 years or older 
 
 
 
How long do you have to wait to be eligible to retake an examination if you fail? 
30 days 
 
 
 
The Commissioner will prescribe the form of the appraiser's license and it will contain: 
Name of the appraiser 
Address of the appraiser's place of business 
Date of issuance and expiration date of license 
Any other information which the commissioner determines is necessary 
 
 
 
Exp...
![PA Life practice exam from PSI (1) Latest Update with Verified Solutions](/docpics/4857448/66053680cacc2_4857448_121_171.jpeg)
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PA Life practice exam from PSI (1) Latest Update with Verified Solutions
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PA Life practice exam from PSI (1) Latest 
 
Update with Verified Solutions 
 
Obtaining consumer information reports under false pretenses is prosecutable by which of the 
following? 
1. 
USA Patriot Act 
2. 
Fair Credit Reporting Act 
3. 
State laws where the applicant resides 
4. 
 
Securities and Exchange Commission 2. 
Fair Credit Reporting Act 
 
All of the following are features of the spendthrift clause EXCEPT 
 
1. 
proceeds are paid in some other way than a single lump sum. 
 
2. 
 
pr...
![Florida Health 240 Insurance Latest 2024 Already Passed](/docpics/4267847/65a995ae4e8c4_4267847_121_171.jpeg)
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Florida Health 240 Insurance Latest 2024 Already Passed
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Florida Health 240 Insurance Latest 2024 Already Passed Rules of Construction Help to identify and establish the intent of the parties to the contract 
Utmost good faith Each party is entitled to rely on the representation of the other, and each party should have a reasonable expectation that the other is acting in good faith without attempts to conceal or deceive. 
Aleatory Contract A contract under which one party's performance is contingent on an uncertain event. 
property and casualty agent...
![PA LIFE INSURANCE EXAM 2024 WITH 100% CORRECT ANSWERS](/docpics/5098115/6629726fa4375_5098115_121_171.jpeg)
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PA LIFE INSURANCE EXAM 2024 WITH 100% CORRECT ANSWERS
- Exam (elaborations) • 7 pages • 2024
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PA LIFE INSURANCE EXAM 2024 WITH 100% CORRECT ANSWERS 
 
 
Single premium cash value policy can be described as.. - correct answer a policy that is paid up only after one payment 
 
All of the following are considered appropriate uses of life insurance.. - correct answer - attracting quality employees by offering a group life plan 
- protecting the business by covering key employees with life insurance 
- funding an entity buy sell agreement 
 
The do not call list offers exemption from all exc...
![Life & Health Insurance Exam 2024 (Arkansas) Questions & Answers 100% Accurate](/docpics/4987706/66197b606bb82_4987706_121_171.jpeg)
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Life & Health Insurance Exam 2024 (Arkansas) Questions & Answers 100% Accurate
- Exam (elaborations) • 19 pages • 2024
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Life & Health Insurance Exam 2024 (Arkansas) Questions & Answers 100% Accurate 
 
 
Reserves - ANSWER Funds held by the company to fullfull future claims. Funds are set by the state department of insurance. 
 
Multi-line Insurer - ANSWER An insurance company selling more than one line of insurance. (Ex. Home, auto, health, etc) 
 
Stock Companies - ANSWER Owned and controlled by stockholders, whose investment set the safety margin. Guaranteed fixed premiums. Nonparticipating policies. 
 
nonpart...
![Xcel Solutions Pennsylvania Insurance Test Questions and Answers Already Passed](/docpics/4857421/6605360d41219_4857421_121_171.jpeg)
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Xcel Solutions Pennsylvania Insurance Test Questions and Answers Already Passed
- Exam (elaborations) • 61 pages • 2024
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Xcel Solutions Pennsylvania Insurance 
Test Questions and Answers Already 
 
Passed 
 
A nonparticipating company is sometimes called a Stock Insurer 
 
The Do Not Call Registry offers exemptions for calls placed from all the following EXCEPT 
Insurance Sales Calls 
 
Ken is a producer who has obtained Consumer Information Reports under false pretenses. Under 
the Fair Credit Reporting Act, what is the maximum penalty that may be imposed on Ken? 
$5,000 
 
A plan in which an employer pays insura...
![Kansas Life & Health Insurance Exam | 100 Questions with 100% Correct Answers | Verified | Latest Update 2024](/docpics/3984151/65725d7ed0a37_3984151_121_171.jpeg)
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Kansas Life & Health Insurance Exam | 100 Questions with 100% Correct Answers | Verified | Latest Update 2024
- Exam (elaborations) • 8 pages • 2023
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How much advance notice must consumer be given for a Investigative Consumer Report? - 3 days 
The insurer or reporting agency has ____ (time) to provide consumer with additional requested 
information regarding Investigative Consumer Report. - 5 days 
A person who knowingly and willfully obtains information on a consumer from a consumer reporting 
agency under false pretenses may also be fined and/or imprisoned for up to _____ (time) - 2 years 
Unknowingly violates the Fair Credit Reporting Act ...
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