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Which of the following is NOT a characteristic of universal life insurance? A Flexible death benefit B Cash account C Fixed premium D Unbundled premium - Answer C Universal life policies allow the policy owner to increase the amount of premium going into the policy and to later decrease it again. They may even skip a premium payment. The rest of the features apply to universal life policies. Which of the following would help prevent a universal life policy from lapsing? A Corridor of ...

An agent who sells an individual life insurance policy in NC MUST deliver to the policyowner - Answer A policy summary and buyer's guide All of the following actions are considered rebating EXCEPT - Answer Sharing commissions with other licensed and appointed agents What benefit does the Payor Clause on a Juvenile Life Policy provide? - Answer Premiums are waived if payor becomes disabled An agent who signs a blank contract application or policy of insurance - Answer Is guilty ...

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...

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...

All of the following are true regarding Key Employee Disability Income insurance EXCEPT A) Premiums are not tax deductible for the employer. B) Benefits are taxable to the employer. C) The employer owns the policy. D) Benefits are paid to the employer to retrain a new person. - Answer B) Benefits are taxable to the employer. Key person disability income premiums are not deductible to the business, but the benefits are received income tax free by the business. How is emergency care ...

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 ...

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...

1 Exam (elaborations) SCRN Final Exam And Answers Graded A 2024. 2 Exam (elaborations) SCRN Acute Care Practice Questions Graded A 2024. 3 Exam (elaborations) SCRN Chapter 6 Stroke Diagnostics Post Test And Answers Graded A+ 2024. 4 Exam (elaborations) SCRN Chapter 8 Questions And Answers 100% Pass 2024. 5 Exam (elaborations) SCRN Exam 2023 And

How many cranial nerves are there? - Answer 12 pairs How many spinal nerves are there? - Answer 31 pairs Penumbra - Answer Area of ischemic brain tissue that is potentially reversible What are the two types of hemorrhagic stroke? - Answer intracerebral hemorrhage and subarachnoid hemorrhage What are some causes of intracerebral hemorrhage? - Answer HTN, drug use, cerebral amyloid angiopathy, hemorrhagic tumors What are some causes of subarachnoid hemorrhage? - Answer Ruptured an...

Neuro deterioration occurs when? - Answer 24-48 H after a stroke in 25 % of cases Most common complications within first 4 days of stroke - Answer Pain Fever Progression of stroke UTI Most ICH occur when with administration of IV TPA - Answer first 24 hours Temperature goal - Answer < 100.4 F Glucose goal - Answer 140-180 O2 goal - Answer > 94% Seizure Prophylaxis - Answer Do not recommend Interventions to lower ICP - Answer Hypertonic Saline Diuret...

1. What is the only blood test you must have results of in order to safely administer IV tissue plasminogen activator (tPA)—besides international normalized ratio (INR), which is required for patients on Coumadin? A. Liver enzymes B. Cardiac enzymes C. Creatinine to know if CT angiography is safe D. Blood sugar - Answer 1. D The American Heart Association guidelines state that "only blood glucose must precede the initiation of IV EPA" (Class I, Level of Evidence B recommendation). Th...

what are CPGs and what is the use of them in relation to stroke? - Answer they are a review and summary of the literature with recommendations. used to guide stroke program development and individual stroke care. what are the key disease elements for TIA program organization? - Answer HTN control, glycemic control, statin therapy, tobacco cessation, reduce alcohol, increase physical activity, initiate antiplts/anticoags, treat related diseases. what are the key disease elements for acu...

Cerebral cortex - Answer gray matter on the outermost section of the cerebrum and cerebellum composed of neuronal cell bodies Four lobes of the cerebral cortex and cerebrum - Answer Frontal Parietal Temporal Occipital Oxygen supplemental need - Answer > 93% BP goal post tPA - Answer <180/105 Vast majority of fatal hemorrhages occur within - Answer the first 12 hours hyperthermia management - Answer strict < 38.0 or 100.4 tylenol for fevers neurogenic fevers w...

Function of the Frontal Lobe - Answer "EXECUTIVE" functions reasoning, emotions, judgement, voluntary movement planning and initiation, personality expression and moderation of social functions Broca's area is in this lobe (production of speech) Function of the Parietal Lobe - Answer "SENSES" Processes sensory input Language processing, recognition and orientation, and sensory of perception stimuli Gustatory area is here in which your taste buds are here Function of Right...

Posterior Cerebral Artery (PCA) - Answer Arises from basilar. Supplies Occipital Lobe , Midbrain, Thalamus, Pineal Gland, Choroid Plexus, and Corpus Callosum Symptoms of PCA Stroke - Answer -Contralateral Visual Field Homonymous hemianopia -Visual Agnosia (unable to interpret/recognize visual information) - Weber's Syndrome (3rd nerve palsy + contralateral hemiplegia) -Parinaud's Syndrome (Impaired upwards gaze, convergence-retraction nystagmus, primary conjugate downward gaze) An...

A patient is right handed and suffers from a large Right vessel occlusion in the internal carotid artery. Because it is affecting the pts dominate sphere, they are most likely to experience: - Answer Aphasia A patient is right handed and suffers from a large left vessel occlusion in the internal carotid artery. Because it is affecting the pts non-dominate sphere, they are most likely to experience: - Answer Neglect An ischemic stroke in the Internal Carotid artery will result in ______...