CA PSI SITE - LIFE EXAMINATION WITH COMPLETE QUESTIONS
AND ANSWERS 2024-2025|定义与本质
GUARANTEED PASS!!
呼吸作用是通过氧化分解有机物（如葡
what is meant by referring to an insurance policy as a unilateral contract? - (answer)only one
萄糖）以产生能量的过程。根据是否需
party makes a legal enforceable promise
要氧气，可分为需氧呼吸和无氧呼吸。
1. 生物体中的作用
when must insurance records of insurance agents and brokers be made available to the Insurance
Commissioner? - (answer)at all times 呼吸作用为各种生命活动（如细
胞分裂、物质运输、运动和神经
传递）提供能量支持。
any situation that presents the possibility of a loss is known as what - (answer)a loss exposure
• 细胞水平：为合成反应、主动运
which of the following information is not 输和信号传递提供ATP。
required to be communicated in a life insurance
contract? - (answer)personal judgement
the direct distribution of insurance utilizes all of the following to promote the sale of insurance
EXCEPT - (answer)telephone call from an agent
a contract in which one part promises to identify another against loss that arises from an
unknown event is - (answer)an insurance policy
all of the occurrences listed below are examples of an insurable event as defined by the
California insurance code EXCEPT - (answer)an insured suffers financial loss in the state lottery
all of the following statements about aleatory contracts are true EXCEPT - (answer)the insured
and insurer contribute equally to the contract
all of the following would be considered unfair trade practices EXCEPT - (answer)committing
any act of discrimination whether it be deemed fair or unfair
As authorized by the California Insurance Code, the Insurance Commissioner has provided
standards for names used by life insurance agents. Under these standards which, if any, of the
following are automatically acceptable for Mary Brown, a holder of the CLU designation? -
(answer)Mary brown insurance servies
, 定义与本质
a contract of indemnity is one in which - (answer)One party is restored to the same financial
position the party was in before the呼吸作用是通过氧化分解有机物（如葡
loss occurred
萄糖）以产生能量的过程。根据是否需
要氧气，可分为需氧呼吸和无氧呼吸。
In insurance terminology, "indemnity" means - (answer)make whole
1. 生物体中的作用
呼吸作用为各种生命活动（如细
As defined in the California insurance Code, "insurance" is a - (answer)contract
胞分裂、物质运输、运动和神经
传递）提供能量支持。
What would a person be guilty of who refuses to deliver any books, records, or assets to the
细胞水平：为合成反应、主动运
commissioner once a seizure order has• been executed? - (answer)a misdemeanor
输和信号传递提供ATP。
An agent who is acting as an insurance agent, broker, solicitor, life agent, accident and health, or
bail agent acts in which capacity when handling premiums or return premiums for an insured? -
(answer)fiduciary
which of the following statement regarding risk is TRUE - (answer)only pure risks are insurable
The purchase of an insurance policy may accomplish all of the following for the insured
EXCEPT - (answer)the elimination of risk
Insureds are entitled to recover an amount NOT greater than the amount of their loss under the
principle of - (answer)indemnity
what rule is used to determine the importance of a representation? - (answer)the materiality of
concealment
the required contents of a policy include all of the following EXCEPT - (answer)the possibility
of loss
all of the following are characteristics of reinsurance EXCEPT - (answer)increases the unearned
premium reserve
, 定义与本质
according to the California insurance code, an insurance policy must specify all of the following
呼吸作用是通过氧化分解有机物（如葡
EXEPT the - (answer)financial rating of the insurer
萄糖）以产生能量的过程。根据是否需
要氧气，可分为需氧呼吸和无氧呼吸。
All of the following qualify as "background information" as defined in Section 1729.2 of the
California Insurance Code, EXCEPT -1.(answer)misdemeanor
生物体中的作用 charges filed, not resulting in
conviction 呼吸作用为各种生命活动（如细
胞分裂、物质运输、运动和神经
传递）提供能量支持。
Loss retention is an effective risk management technique when all of the following conditions
exist EXCEPT the - (answer)probability of loss is unknown
• 细胞水平：为合成反应、主动运
输和信号传递提供ATP。
a situation in which there is a possibility of loss or gain is a - (answer)speculative risk
Why is having a large number of similar exposure units important to insurers? - (answer)the
greater the number insured, the more accurately the insurer can predict losses and set appropriate
premiums
all of the following are benefits of insurance EXCEPT it - (answer)eliminates fraudulent losses
who are members of the medical information bureau - (answer)Life and health insurers
the process by which am insurer decided whether to issue requested insurance is called -
(answer)underwriting
Unless it is merely a statement of an expectation or a belief, a representation as to the future is
considered which of the following? - (answer)promise
Upon notification of a claim, a claimant must be given access to the California Fair Claims
Settlement Practices resolution by all of the following means EXCEPT - (answer)by interview
appointment with the agent of record
AND ANSWERS 2024-2025|定义与本质
GUARANTEED PASS!!
呼吸作用是通过氧化分解有机物（如葡
what is meant by referring to an insurance policy as a unilateral contract? - (answer)only one
萄糖）以产生能量的过程。根据是否需
party makes a legal enforceable promise
要氧气，可分为需氧呼吸和无氧呼吸。
1. 生物体中的作用
when must insurance records of insurance agents and brokers be made available to the Insurance
Commissioner? - (answer)at all times 呼吸作用为各种生命活动（如细
胞分裂、物质运输、运动和神经
传递）提供能量支持。
any situation that presents the possibility of a loss is known as what - (answer)a loss exposure
• 细胞水平：为合成反应、主动运
which of the following information is not 输和信号传递提供ATP。
required to be communicated in a life insurance
contract? - (answer)personal judgement
the direct distribution of insurance utilizes all of the following to promote the sale of insurance
EXCEPT - (answer)telephone call from an agent
a contract in which one part promises to identify another against loss that arises from an
unknown event is - (answer)an insurance policy
all of the occurrences listed below are examples of an insurable event as defined by the
California insurance code EXCEPT - (answer)an insured suffers financial loss in the state lottery
all of the following statements about aleatory contracts are true EXCEPT - (answer)the insured
and insurer contribute equally to the contract
all of the following would be considered unfair trade practices EXCEPT - (answer)committing
any act of discrimination whether it be deemed fair or unfair
As authorized by the California Insurance Code, the Insurance Commissioner has provided
standards for names used by life insurance agents. Under these standards which, if any, of the
following are automatically acceptable for Mary Brown, a holder of the CLU designation? -
(answer)Mary brown insurance servies
, 定义与本质
a contract of indemnity is one in which - (answer)One party is restored to the same financial
position the party was in before the呼吸作用是通过氧化分解有机物（如葡
loss occurred
萄糖）以产生能量的过程。根据是否需
要氧气，可分为需氧呼吸和无氧呼吸。
In insurance terminology, "indemnity" means - (answer)make whole
1. 生物体中的作用
呼吸作用为各种生命活动（如细
As defined in the California insurance Code, "insurance" is a - (answer)contract
胞分裂、物质运输、运动和神经
传递）提供能量支持。
What would a person be guilty of who refuses to deliver any books, records, or assets to the
细胞水平：为合成反应、主动运
commissioner once a seizure order has• been executed? - (answer)a misdemeanor
输和信号传递提供ATP。
An agent who is acting as an insurance agent, broker, solicitor, life agent, accident and health, or
bail agent acts in which capacity when handling premiums or return premiums for an insured? -
(answer)fiduciary
which of the following statement regarding risk is TRUE - (answer)only pure risks are insurable
The purchase of an insurance policy may accomplish all of the following for the insured
EXCEPT - (answer)the elimination of risk
Insureds are entitled to recover an amount NOT greater than the amount of their loss under the
principle of - (answer)indemnity
what rule is used to determine the importance of a representation? - (answer)the materiality of
concealment
the required contents of a policy include all of the following EXCEPT - (answer)the possibility
of loss
all of the following are characteristics of reinsurance EXCEPT - (answer)increases the unearned
premium reserve
, 定义与本质
according to the California insurance code, an insurance policy must specify all of the following
呼吸作用是通过氧化分解有机物（如葡
EXEPT the - (answer)financial rating of the insurer
萄糖）以产生能量的过程。根据是否需
要氧气，可分为需氧呼吸和无氧呼吸。
All of the following qualify as "background information" as defined in Section 1729.2 of the
California Insurance Code, EXCEPT -1.(answer)misdemeanor
生物体中的作用 charges filed, not resulting in
conviction 呼吸作用为各种生命活动（如细
胞分裂、物质运输、运动和神经
传递）提供能量支持。
Loss retention is an effective risk management technique when all of the following conditions
exist EXCEPT the - (answer)probability of loss is unknown
• 细胞水平：为合成反应、主动运
输和信号传递提供ATP。
a situation in which there is a possibility of loss or gain is a - (answer)speculative risk
Why is having a large number of similar exposure units important to insurers? - (answer)the
greater the number insured, the more accurately the insurer can predict losses and set appropriate
premiums
all of the following are benefits of insurance EXCEPT it - (answer)eliminates fraudulent losses
who are members of the medical information bureau - (answer)Life and health insurers
the process by which am insurer decided whether to issue requested insurance is called -
(answer)underwriting
Unless it is merely a statement of an expectation or a belief, a representation as to the future is
considered which of the following? - (answer)promise
Upon notification of a claim, a claimant must be given access to the California Fair Claims
Settlement Practices resolution by all of the following means EXCEPT - (answer)by interview
appointment with the agent of record
