Insurer Study guides, Class notes & Summaries
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![Michigan Credit Insurance Producer Study Guide with Verified Solutions | Latest 2024/2025](/docpics/5057450/6623a5679e95f_5057450_121_171.jpeg)
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Michigan Credit Insurance Producer Study Guide with Verified Solutions | Latest 2024/2025
- Exam (elaborations) • 16 pages • 2024
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Producer ️ licensed person who has the authority to sell, solicit, or 
negotiate insurance contracts 
Who has permission to cancel the license? ️ the commissioner 
Agent ️ person or corporation authorized to solicit insurance, collect 
premiums & transact insurance business on behalf of an insurance 
company 
Producer is appointed by who ️ appointed by the agent to represent the 
insurer & an insurer can cancel the appointment of agent 
DIFS ️ Dept of Insurance and Financial Services, ...
![NC Life Insurance Practice Exam Questions and Answers Already Passed](/docpics/6426fe228ad6c_2539151.jpg)
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NC Life Insurance Practice Exam Questions and Answers Already Passed
- Exam (elaborations) • 80 pages • 2023
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NC Life Insurance Practice Exam Questions and Answers Already Passed 
All of the following are included within the Insurance Commissioner's duties EXCEPT 
a) Conducting investigation of all domestic insurers. 
b) Reviewing the insurers' annual reports. 
c) Writing North Carolina insurance laws. 
d) Reporting any violations of insurance laws to the Attorney General. Writing insurance law is not the Insurance Commissioner's responsibility, but enforcing the law is. c) Writing North Carolina ins...
![AU 60 MISSED PRACTICE TEST EXAM 2024 WITH 100% CORRECT ANSWERS](/docpics/4393154/65bba0262f4d6_4393154_121_171.jpeg)
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AU 60 MISSED PRACTICE TEST EXAM 2024 WITH 100% CORRECT ANSWERS
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When insuring a partnership, it is essential to identify which one of the following on the policy declaration page? 
Choose one answer. 
 
A. The partnership 
 
B. All partners 
 
C. General partners only 
 
D. All partners and their share of the partnership Answer - A. The partnership 
 
If a company's inventory turnover ratio is higher than the industry benchmark, it indicates that 
Choose one answer. 
 
A. Its inventory is becoming obsolete compared to that of its competitors. 
 
B. Th...
![Xcel 2-15 Florida Life & Health State Exam Simulator Already Passed](/docpics/4267394/65a98933dbcf8_4267394_121_171.jpeg)
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Xcel 2-15 Florida Life & Health State Exam Simulator Already Passed
- Exam (elaborations) • 38 pages • 2024
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Xcel 2-15 Florida Life & Health State Exam Simulator Already Passed 
what is considered to be a characteristic of an immediate annuity benefit payments start within one payment period of purchase 
3 MULTIPLE CHOICE OPTIONS 
which of these characteristics is consistent with a straight life policy premiums are payable for as long as there is insurance coverage in force 
3 MULTIPLE CHOICE OPTIONS 
an insureds inability to perform two or more activities of daily living may trigger which type of life...
![California property and casualty exam, Pool Questions & Answers. Verified. Rated A](/docpics/63dd5810dd087_2333246.jpg)
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California property and casualty exam, Pool Questions & Answers. Verified. Rated A
- Exam (elaborations) • 57 pages • 2023
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California property and casualty exam, Pool Questions & Answers. Verified. Rated A 
 
 
 
The process where by a mutul insurer becomes a stock company is called - Demutalization 
 
The process whereby a stock company a mutal insurer is called - Mutalization 
 
The provision in a property policy which states that the insured has been paid up to their insurable interest is - Valuation clause 
 
The part of the policy that states the amout of coverage the insured property policy period is - Declara...
![Adjuster Pro - Insurance adjuster test latest 2023 already passed](/docpics/63eb4ce81cedc_2369548.jpg)
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Adjuster Pro - Insurance adjuster test latest 2023 already passed
- Exam (elaborations) • 31 pages • 2023
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Adjuster Pro - Insurance adjuster test latest 2023 already passed What is insurance? protection against financial loss 
what is a premium a scheduled amount to be paid for an insurance policy. 
What are premiums used for premiums are collected into a "pool" or "reserve to pay out claimants when needed. 
how can insurance companies afford to pay for an individuals catastrophic loss? the insurer collects premiums from all policy holders and uses them to pay out the claims of a few. 
what is Ind...
![LML4805 PORTFOLIO MEMO - MAY/JUNE 2023 - SEMESTER 1 - UNISA - (DETAILED MEMO- DISTINCTION GUARANTEED)](/docpics/2766799/64661ce630f4c_2766799_121_171.jpeg)
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LML4805 PORTFOLIO MEMO - MAY/JUNE 2023 - SEMESTER 1 - UNISA - (DETAILED MEMO- DISTINCTION GUARANTEED)
- Exam (elaborations) • 10 pages • 2023
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LML4805 PORTFOLIO MEMO - MAY/JUNE 2023 - SEMESTER 1 - UNISA - (DETAILED MEMO- DISTINCTION GUARANTEED) 
 
Question 1 
 
(a) Distinguish between the essential features of an insurance contract and the general requirements of a valid contract; then address the consequences if any of these are absent. 
In your answer, also mention one example of an essential feature of an insurance contract and one example of a validity general requirement of a contract. (5) 
(b) Describe any two informal risk-sprea...
![Life, accident and health insurance state exam- OH Already Passed](/docpics/6457dc5d7a224_2709989.jpg)
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Life, accident and health insurance state exam- OH Already Passed
- Exam (elaborations) • 31 pages • 2023
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Life, accident and health insurance state exam- OH Already Passed 
A person who is a nonsmoker, of average weight and in excellent health would most likely be in which risk classification? preferred 
Preferred risk policies with reduced premiums are issued by insurance companies bc the insured has better than average mortality 
The waiver of premium does NOT include which provision? Al future premiums are waived if the insured recovers from the disability 
An advertisement for an insurance produ...
![Michigan Property & Casualty Exam 2023/2024 with Complete Solutions](/docpics/3099838/64b966eec499e_3099838_121_171.jpeg)
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Michigan Property & Casualty Exam 2023/2024 with Complete Solutions
- Exam (elaborations) • 23 pages • 2023
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Indemnity - ANSWER-a payment for damages or loss 
 
Risk - ANSWER-Uncertainty or chance of loss occurring 
 
Pure Risk - ANSWER-Presents the chance of loss with no opportunity for gain 
 
Speculative Risk - ANSWER-Presents the chance of loss with an opportunity to gain (Like Gambling) 
 
Exposure - ANSWER-a unit of measurement used to determine rates charged for insurance coverages. 
 
Hazards - ANSWER-Conditions or situations that increase the probability of an insured loss occurring. 
 
Peril ...
![New York Adjuster Exam Questions with 100% correct Answers 2023](/docpics/6409c0eb84024_2453243.jpg)
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New York Adjuster Exam Questions with 100% correct Answers 2023
- Exam (elaborations) • 23 pages • 2023
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New York Adjuster Exam Questions with 100% correct Answers 2023 
The insured has moved into a dwelling that was being build and was covered by the "Dwelling under Construction" endorsement. How long does the insured have to report his / her occupancy to the insurance company? {{Correct Ans- 30 days 
 
When a New York Homeowners policy is still in the 60-day underwriting period, the insurer may cancel it for any reason by providing a ______ notice. {{Correct Ans- 30 day 
 
Personal property tha...
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