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FUNDAMENTALS OF INSURANCE BC ( 3) EXAMS CONTAINING QUESTIONS AND 100% VERIFIED ANSWERS ALL THE BEST IN YOUR STUDIES

The clause identifying which losses resulting from an accident or sickness are insured by the policy is called the: - ANSWERS Insuring clause K applies for a life insurance policy on herself and submits the initial premium with the application. She is given a receipt by the agent stating that coverage begins immediately if the application is approved. What kind of receipt was used? - ANSWERS Conditional A life insurance arrangement which circumvents insurable interest statutes is calle...

Risk - ANSWERS the chance of financial loss Risk is NOT the loss itself, but the _________ of loss. - ANSWERS CHANCE Policy - ANSWERS a written contract for effecting insurance and includes Clauses, Riders, endorsements, and papers which are part of the contract Insurance - ANSWERS a contract where one undertakes to indemnify another or pay a specific amount determined on contingencies Binders - ANSWERS temporary insurance which can be made orally or written property insurance - ANSWERS...

A Supplementary Medical Expense policy combines the benefits of what two types of plans? - ANSWERS Basic Medical and Major Medical Which of the following is not correct concerning Health Maintenance Organizations? - ANSWERS They mandate enrollment for groups of 25 or more. Which is not true concerning a Hospital Fixed-Rate plan? - ANSWERS Benefits are paid directly to the hospital When benefits are paid to a policyowner covered under a Hospital Expense policy, the policy is considered ...

Frank owned a home that was destroyed by a hurricane. Both ABC and XYZ Banks were listed as additional interests on his homeowner policy. The insurance company will make a payment to: A. The first mortgagee, ABC B. The Insured C. Jointly to ABC and XYZ D. All listed interests - CORRECT ANSWER D. All listed interests Remember that the insurer is not responsible to know the degrees of interest. In the event of a loss, one payment is made by the insurer and it is up to the additional ...

The following are basic characteristics of a property or liability insurance contract, except: A. Personal Contract B. Conditional Contract C. Loss of Settlement Contract D. Contract of Adhesion - CORRECT ANSWER Loss of Settlement Contract The Insurer's responsibility to pay for a property loss may be conditioned on the insured having used reasonable means to avoid the loss, to protect the property against further loss, and to give the insurer proof of the loss is defined as? A. Con...

Severability - ANSWER Insurance applies separately to each insured as if other insureds did not exist. Abandonment - ANSWER Property insurance policies usually contain a(n) __________ clause, *stating the insured cannot dump damaged property on the insurer and demand its full value.* Insurable Interest - ANSWER One wherein economic loss would be suffered from an adverse happening to the subject. Liberalization - ANSWER States that if the insurer adopts a revision which would broaden...

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Severability - CORRECT ANSWER Insurance applies separately to each insured as if other insureds did not exist. Abandonment - CORRECT ANSWER Property insurance policies usually contain a(n) __________ clause, *stating the insured cannot dump damaged property on the insurer and demand its full value.* Insurable Interest - CORRECT ANSWER One wherein economic loss would be suffered from an adverse happening to the subject. Liberalization - CORRECT ANSWER States that if the insurer adop...

5 practices of exemplary leadership - ANSWERS 1. Model the way 2. Inspire a shared vision 3. Challenge the process 4. Enable others to act 5. Encourage the heart (MICEE) Identify elements in the use of authority - ANSWERS Power Force Discretion Control Influence Leadership Command Presence (PFCDICL) Identify the core values of law enforcement officers and how they influence an officer's use of authority - ANSWERS honesty courage compassion respect integrity fairness Ident...

Ectoderm doesn't move through the __________ or __________ - CORRECT ANSWER 1) blastopore (frogs and fishes) or 2) primitive streak (birds and humans) Sensory organs all begin in the head as... - CORRECT ANSWER placode - thickenings of surface ectoderm what are 4 types of cell interactions? - CORRECT ANSWER 1) Internal/mechanical 2) Juxtacrine signaling 3) Paracrine signaling 4) Endocrine signaling Note: these are arranged in order of closest interaction to longest distance interact...

Which NIMS Management Characteristic includes documents that record and communicate incident objectives, tactics, and assignments for operations and support? A. Common Terminology B. Information and Intelligence Management C. Incident Action Planning D. Integrated Communications - ANSWERS C. Incident Action Planning Which ICS structure enables different jurisdictions to jointly manage and direct incident activities with a single incident action plan? A. Area Command B. Joint Informati...

la casa - ANSWERS house El dormitorio - ANSWERS bedroom La cama - ANSWERS bed El campo - ANSWERS countryside La cocina - ANSWERS kitchen La sala - ANSWERS living room El hermano - ANSWERS brother La hermana - ANSWERS sister Los hermanos - ANSWERS siblings Los padres - ANSWERS parents El padre/papá - ANSWERS father La madre/mamá - ANSWERS mother los abuelos - ANSWERS grandparents Perr@s - ANSWERS dogs Gat@s - ANSWERS cats Pobre - ANSWERS poor malo - ANSWERS bad, evil gord@ - AN...

Which of the following si true about a capitated Managed Care Organization (MCO) arrangement: a) The provider shifts financial risk to the MCO b) The provider can bil separately for each service provided c) The provider must wait to bil the MCO until services have been provided to a patient d) The provider is paid a set fee - ANSWERS d) The provider is paid a set fee Which of the following is a unit of measure commonly used to determine provider productivity? a) RVU b) CMS c) IPA ...

All of the following are keyboard shortcut that allow the user input to add more sheets to a workbook EXCEPT: Alt i w Alt h i s Shift F11 Alt Shift F1 Alt h i w Incorrect - CORRECT ANSWER Alt i w, Alt h i s, Shift F11 and Alt Shift F1 are all keyboard shortcuts for adding more sheets to a workbook. Alt h i w is not a valid shortcut. What is a keyboard shortcut to open a file? Ctrl o Ctrl f Alt o Ctrl n - CORRECT ANSWER The correct answer is Ctrl o. Ctrl f is the shortcut to find...

What date was the sale of CFC's & HCFC's restricted to technicians certified in refrigerant recovery? - ANSWERS November 14, 1994 Section 608 of the Federal Clean Air Act requires technicians to what? - ANSWERS Recover all refrigerants. The objective of the Clean Air Act is to protect what? - ANSWERS The earth's stratosphere. HFC's - ANSWERS HydroFlouroCarbon's CFC's - ANSWERS ChloroFluoroCarbon's ODP - ANSWERS Ozone Depletion Potential Which international treaty agreement was...

November 14, 1994 - ANSWERS What date was the sale of CFC's & HCFC's restricted to technicians certified in refrigerant recovery? Memorize it, ya'll. - ANSWERS 1989- Montreal Protocol July 1 1992- Violation to vent CFCs or HCFCs Nov 15 1993- Recovery/Recycling equipment must be certified and labeled by EPA AND Before this date recovery equipment needed to be capable of removing 80% of the refrigerant, w or wo compressor, or 4 in Hg After this date recovery equipment needs to be ...

Ozone depletion is caused by _ in HCFC refrigerants - ANSWERS Chlorine CFCs and HCFCs _ making them capable of reaching the stratospheric ozone - ANSWERS do not dissolve in water or easily break down in the atmosphere How many ozone molecules are destroyed by one chlorine atom - ANSWERS 100,000 ozone molecules The stratospheric ozone layer protects us from _ - ANSWERS ultraviolet radiation from the sun Which health effect increases from loss of the stratospheric ozone layer - ANSWERS ...

Mandatory use of certified recycling equipment when servicing automotive - ANSWERS January 1, 1992 Clean air act calls for phase-out of CFC/HCFC, prohibits CFC/HCFC venting, and set standards for the three R's - ANSWERS July 1, 1992 All persons opening appliances ( besides small and auto) and disposing of appliances must have at least 1 piece of self contained recovery equipment at shop - ANSWERS July 13, 1993 required low loss fittings - ANSWERS Since November 15, 1993 Recovery equ...

what is the #1 cause of EMT injury? improper lifting technique what does BSI stand for? body substance isolation Brainpower Read More Previous Play Next Rewind 10 seconds Move forward 10 secondsUnmute 0:00 / 0:00 Full screen what is important to do after each call? wash your hands after each call when should you use protective gloves, safety glasses, gowns and masks/ when appropriate what should use for blood borne cleanups? 10% bleach solution how many time should an EMT wo...