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Implied - Answer ______________ authority is established through verbalization and occurs when appropriate actions are taken to carry out the authority granted to fulfill the principal's goals. Apparant - Answer The appearance of power on behalf of the insurer through the actions or use of identifying materials by the agent, such as company advertising material, is called _____________ authority. Express - Answer ____________ authority spells out in contract form the activities that...

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. - Answer c) Writing North Carolina insurance laws. Writing insurance law is not the Insuranc...

Term Insurance - Answer Used for Temporary Situations. Net cost highest in the long run. Premiums goes up every year based on current (attained)age. Term Insurance - Answer Expire's at a certain age/Time in the future. May be renewable up to a certain age or date with out a phyical Exam. Level Term Insurance - Answer Term insurance can be Renewed annually. Has a level Face Amount at renewal, Premiums goes up. Can be purchased for a Year or as often as 5, 10, 15, to 20 years inclemen...

Commissioner of Insurance - Answer Enforces all laws of the state, governing insurance companies and makes rules and regulations relating to the business of insurance. Elected for 4 year term. Commissioner may call and hold hearings deemed for any purpose necessary. Written notice must be given at least: - Answer 10 days written notice At the very least, a company shall be examined: - Answer Once every five years Any person who willfully violates a cease/desist order from the Comm...

CREDIT LIFE - Answer 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 - Answer 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 - Answer to purchase insurance the policy owner must face the possibility of losing money or something of valu...

At the time the insured purchased her life insurance policy she added a rider that will allow her to purchase additional insurance in the future without having to prove insurability. This rider is called A. Accelerated benefits B. Cost of living C. Guaranteed insurability D. Waiver of cost of insurance - Answer C. Guaranteed insurability Guaranteed insurability is a rider that is included at the time of application (or can be added at a later date) which allows the insured to increase...

DP-1 - Answer Basic Form Perils DP-2 - Answer Broad Perils DP-3 - Answer Special Form (All Risk Of Perils) DP Coverage A - Answer Dwellings (Direct Loss) DP Coverage B - Answer Other Structures/Appurtenants (Direct Loss) DP Coverage C - Answer Personal Property (Direct Loss) DP Coverage D - Answer Fair Rental Value (Indirect Loss) DP Coverage E - Answer Additional Living Expenses (Indirect Loss) What is the Deductible unless for Coverage D and E and Fire S...

National Association of Insurance Commissioners - Answer The acronym NAIC stands for: The acronym NAIC stands for National Association of Insurance Commissioners. Asking for further information - Answer Which of the following is NOT an unfair claim practice? Any of the following acts, if committed without just cause and performed frequently, constitute improper and unfair claim practices: knowingly misrepresenting to claimants pertinent facts, failing to affirm or deny coverage of c...

Insured Contingent Beneficiary - Answer If the insured and primary beneficiary are both killed in the same accident and it cannot be determined who died first, where are the death proceeds to be directed under the uniform Simultaneous Death Act? Reimbursement - Answer Which type of policy pays benefits to a policyholder covered under a Hospital Expense policy? $25,000 - Answer J has an Accidental Death and Dismemberment policy with a principal sum of $50,000. While trimming the hedge...

When an existing life insurance policy is terminated so that a new life insurance policy can be purchased, this transaction is referred to as - Answer Replacement The Life and Health Insurance Guaranty Association is funded by authorized insurers in this state. One of the roles of this organization is to - Answer Assist in the prevention of insurer insolvencies An Accident/Health policyholder has ___ days to return the policy and receive a full refund on premiums - Answer 10 S is ...

Which of the following is the MOST important factor when deciding how much Disability Income coverage an applicant should purchase? - Answer M completes an application for life insurance but does not pay the initial premium. All of these actions must occur before M's policy goes into effect EXCEPT - Answer free-look period has expired Additional coverage can be added to a Whole Life policy by adding a(n) - Answer decreasing term rider All of the following actions are considered ...

P wants to name her husband as the beneficiary of her life policy. However, she wishes to retain all of the rights of ownership. P should have her husband named as the: A.irrevocable beneficiary B.revocable beneficiary C.secondary beneficiary - Answer B A contract that has as its basic function the systematic liquidation of accumulated assets through periodic payments is called an: A.indemnity contract B.investment contract C.endowment D.annuity - Answer D An insur...

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Training - Answer It is a systematic process of repetitive, progressive exercise of work, involving the learning process and acclimation. Training - Answer It is a systematic method of physical conditioning False - Answer [True or False] Before an individual perform an activity, he should not know the guidelines in doing the activity. Individualisation - Answer Exercise should be specific to the individual completing the training. Individualisation - Answer Performers respo...

Improper posture is caused by shortned muscles which leads to less ROM on movements and improper form - Answer Discuss how posture can effect atainment of goals Slouching to one side could mean he has tight hip flexors or pre dominantly on one side, or carrying a bag on that side - Answer Educates client on possible causes of postural faults Standing on dominate leg, could mean tight hip flexors, one side of body is more active during day to day life - Answer Identifies postural faul...

Define Bioenergetics - Answer the study of how energy flows in the human body Define energy - Answer the ability to do physical work Define homeostasis - Answer the state of stability or balance where all body functions occur easily and the demand for energy is comfortable met by the supply of available energy. AKA steady state Define metabolism - Answer sum of all chemical reactions in the body that either use or create energy with the combination of anabolic and catabolic proc...

4 characteristics of muscle tissue - Answer excitability, contractility, extensibility, elasticity 3 types of muscle tissue - Answer skeletal, cardiac, smooth functions of muscle tissue - Answer Skeletal muscle: connects to the skeletal system by being attached to 2 bones Cardiac muscle: interconnected so when one cell contracts, all contracts Smooth muscle: found in organs of digestive, urinary and circulatory system. Works collectively or independently How many skeletal muscl...

Optimal health perspective - Answer includes the pursuit of enhanced quality of life, personal growth, and individual potential through positive lifestyle behaviours and attitudes Transtheoretical Model of Change - Answer precontemplation, contemplation, preparation, action, maintenance, reversibility precontemplation stage - Answer the stage of change in which a person might develop increased awareness of an opportunity but is not yet thinking seriously about making the change Co...

Precontemplation, Contemplation, Preparation, Action, Maintenance - Answer What are the 5 stages of behavioural change? Precontemplation - Answer In which stage of change would a PTS discuss health risks, myths and fears, and provide client with general education? Contemplation - Answer In which stage of change would a PTS make a list of advantages related to regular exercise, provide clear recommendations, and build the client's self-confidence? Preparation - Answer In which s...

Name the first regression of a squat? - Answer Leg press What is PROM and APROM? - Answer passive range of motion (someone helps you do the movement) and active range of motion (you do the movement on your own) What are the two protein filaments that slide over each other during a muscle contraction (sliding filament theory) - Answer actin (thin filaments) and myosin (thick filaments) Where is the biceps femoris located? Name an opposing muscle - Answer located in the lateral si...