Accidental death benefits Study guides, Class notes & Summaries
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South Carolina Insurance Exam Questions and answers
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An insurer is REQUIRED to offer which of the following to each long-term care applicant at the time of purchase? 
Inflation protection 
 
 
 
Which of these riders will pay a death benefit if the insured's spouse dies? 
Family term insurance rider 
 
 
 
 
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Disability income plans which require that the insurer can NEVER change or alter premium rates are usually considered...
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Texas Life Insurance Exam Questions and Answers with complete solutions
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Insurance 
(General concept) - ANSWER - transfers the risk of loss from an individual to an insurer 
- based on the principle of indemnity 
- based on the principle of risk (risk pooling) 
 
insurable interest 
(General Concept) - ANSWER - must exist at the time of the application 
- insuring one's own life, family member, or a business partner 
 
Solicitation and sales presentation - ANSWER - illustration- presentation of nonguaranteed elements 
- buyer's guide is generic information abo...
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CA Life and Health Exam Questions and Answers Already Passed
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CA Life and Health Exam Questions and Answers Already Passed What is insurance? Insurance is the legal contract where two parties agree that if something will happen, a value will be exchanged. 
What's the difference between pure risk and speculative risk? Pure risk is when you'll lose it all or there will be no change. Speculative risk you can either win or lose. 
What is peril? peril is the causes of loss insured against in an insurance policy 
What is hazard? conditions that increase the pr...
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NC LIFE insurance state exam questions and answers 100% pass
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NC LIFE insurance state exam questions and answers 100% pass CREDIT LIFE a special type of coverage written to the life of the debtor and pay off the balance of a loan in the event of the death of the debtor. 
BUY-SELL AGREEMENTS a legal contract that determines what will be done with a business in the event that an owner dies or becomes disabled. Otherwise known as a business continuation agreement 
INSURABLE INTEREST to purchase insurance the policy owner must face the possibility of losing mo...
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Michigan Life Insurance State Exam Solved 100% Correct
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Under a traditional IRA, interest is taxed: 
 
Only if withdrawn prior to age 59 1/2 
 
According to the capital gains rate 
 
Upon distribution 
 
During the accumulation phase - ANSWER-Upon distribution 
 
Which of these statements concerning Traditional IRAs is CORRECT? 
 
Earnings are not taxable when withdrawn 
 
Earnings are taxable when withdrawn 
 
Contribution are never tax deductible 
 
Contributions are always made by the employer - ANSWER-Earnings are taxable when withdrawn 
 
Wh...
And that's how you make extra money
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PSI: LIFE, ACCIDENT, AND HEALTH PRACTICE EXAM ALREADY PASSED
- Exam (elaborations) • 13 pages • 2023
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PSI: LIFE, ACCIDENT, AND HEALTH PRACTICE EXAM ALREADY PASSED 
Under the misstatement of age or gender provision, what happens if it is determined at death that the insured's age or gender was misstated on a life insurance policy application? Benefits are adjusted to an amount that the premium would have purchased at the correct age or gender. 
Which of the following must be given to the insurer within 20 days after occurrence or commencement of any loss covered by the policy, or as thereafter a...
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EDPNA Exam 2023 Questions with All Correct Answers
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EDPNA Exam 2023 Questions with All Correct Answers 
Social Security Disability Insurance SSDI Citation - ANSWER CFR 20 Section 404 
 
Good Cause for Late Filing (Citations: 404.911, 416.1411) - ANSWER If an appeal deadline is missed, and the claimant wants to appeal, he or she must show "good cause" for late filing. 
 
Examples of good cause are described in 404.911: - ANSWER • You were seriously ill and were prevented from contacting us in person, by phone, in writing, or...
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California Life, Accident, and Health Insurance Final Exam Questions and Answers Already Passed
- Exam (elaborations) • 26 pages • 2023
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California Life, Accident, and Health Insurance Final Exam Questions and Answers Already Passed What distinguishes a deferred annuity from an immediate annuity? The time at which benefit payments start 
Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly payments for 5 years, Cindy dies. How many remaining payments will the insurer make to her beneficiary? 60 payments 
What is a common reason people purchase an annuity? To protect against the risk of outlivin...
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Health Insurance Florida 2-40 Practice Exam 2023 Questions & Correct Answers.
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Health Insurance Florida 2-40 Practice Exam 2023 Questions & Correct Answers. 
Which of the following laws requires an insurer to notify an applicant in writing that an 
investigative consumer report may be made on the applicant? 
-Uniform Provisions Law. 
-Freedom of Information Act. 
-Medical Information Bureau Disclosure Act 
-Fair Credit Reporting Act (Insurance Information and Privacy Protection Act) Correct Answer: 
Fair Credit Reporting Act (Insurance Information and Privacy Protection Ac...
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CISR LIFE & HEALTH Exam 52 Questions with Answer,100% CORRECT
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CISR LIFE & HEALTH Exam 52 Questions with Answer 
 
The first step in understanding the elements of a life insurance contract is being able to: 
 
A) describe the personal and specific reasons people purchase life insurance 
B) describe the different parties to a life insurance contract and their relationship - CORRECT ANSWER B) describe the different parties to a life insurance contract and their relationship 
 
A policy owner has the power to: 
A) Name one or more beneficiaries 
B) Change th...
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