Mastersgrade

Retirement income annuity - ANSWER Deferred annuity with a decreasing term life insurance rider. A retirement income annuity provides both a death benefit (with a decreasing term rider) and the annuity's surrender value if the annuitant dies before retirement. What type of eligible groups for health insurance consists of 2 or more employers or labor unions? - ANSWER MET and MEWA. Multiple employer trusts and multiplier employer welfare arrangements consist of 2 or more employers or labor uni...

What amount will be paid under a policy where the insured misstated his/her age? - ANSWER an amount the premium would have purchased at the correct age the acceptance of a credit life application requires the submission of a certificate of insurance to the insured within_____ days - ANSWER 30 days which of these is considered to be a Living benefit option in a life insurance policy - ANSWER Accelerated death benefit loans obtained by a policy owner against the cash value of a life insur...

What percentage of a participant's income are group long-term disability benefit amounts typically limited to? - ANSWER 60% A life insurance policy which contains cash values that vary according to its investment performance of stocks is called - ANSWER Variable whole life Under a disability income policy, which provision would be payable if the cause of an injury is unexpected and accidental? - ANSWER Accidental bodily injury provision All of the following are examples of pure risk EX...

A policyowner may change two policy features on what type of life insurance? - ANSWER Adjustable life The legal action provision in a health contract is limited to no more than ___ years. - ANSWER 5 Long-Term Care policies may provide coverage for claims arising from - ANSWER Senile dementia In group health care, what is the purpose of the coordination of benefits provision? - ANSWER Determines what is paid by the primary and secondary insures in the event of a claim All of the follo...

Risk - ANSWER The uncertainty or chance of a loss occurring. The two types are pure and speculative. Pure Risk - ANSWER Refers to a situation that can only result in a loss or no change. There is no opportunity for financial gain. Speculative Risk - ANSWER Involves the opportunity for either loss or gain. Hazards - ANSWER Conditions or situations that increase the probability of an insured loss occurring. Hazards and classified as physical hazards, moral hazards, or morale hazards. P...

Fixed period settlement options are considered to be a form of a(n) - ANSWER annuity Ownership of a life insurance policy may be temporarily transferred with a(n) - ANSWER collateral assignment Gina the producer caused financial harm to an insured. Which of these actions may the Commissioner take? - ANSWER Revoke Gina's license after a hearing concludes a violation has occured Converting a group plan to permanent life insurance requires - ANSWER The conversion being applied for within ...

A health insurance policy that allows an insurer to change the policy owners premiums, but not cancel the policy is called - ANSWER Guaranteed renewable policy Which type of coverage pays an amount per day for hospitalization directly to the insured regardless of the insured's other health insurance? - ANSWER Hospital indemnity A life insurance policy that contains a guaranteed interest rate with the chance to earn a rate that is higher than the guaranteed rate is called - ANSWER Universa...

Actuarial Department - ANSWER Calculates policy rates, reserves, and dividends Alien Insurer - ANSWER An insurer whose principal office and domiciled location is outside the country Admitted Insurer - ANSWER An admitted or authorized insurer is an insurer who has received a certificate of authority from a state's department of insurance authorizing them to conduct insurance business in that state. Broker - ANSWER Represents themselves and the insured (i.e. the client, customer) Capt...

Which is TRUE regarding the annuitant, when the annuitant is NOT the policy owner? 1. The annuitant has the right to name the beneficiary 2. The annuitant is the person paying the premiums 3. The cash value is available to the annuitant for withdrawals 4. Annuity payments will be based on the annuitants life expectancy - ANSWER Annuity payments will be based on the annuitants life expectancy Signing an applicants name for insurance is known as...? 1. Concealment 2. Defamation...

Under a traditional IRA, interest is taxed: Only if withdrawn prior to age 59 1/2 According to the capital gains rate Upon distribution During the accumulation phase - ANSWER Upon distribution Which of these statements concerning Traditional IRAs is CORRECT? Earnings are not taxable when withdrawn Earnings are taxable when withdrawn Contribution are never tax deductible Contributions are always made by the employer - ANSWER Earnings are taxable when withdrawn Wh...

Autoregulation of renal blood flow - ANSWERprevents large changes in GFR when there are increases/decreases in BP; regulated neural and hormonal regulation renin-angiotensin-aldosterone system - ANSWER-decreased blood pressure causes the juxtaglomerular cells of kidneys to secrete renin which converts angiotensinogen (inactive) to angiotensin I (active) which is then converted into angiotensin II by angiotensin-converting enzyme (ACE) -Angiotensin II stimulates the adrenal cortex to secre...

Which two processes are involved in platelet activation? Cyclooxygenase-1 (COX-1) inactivation Aggregation Adhesion - ANSWERPlatelet activation involves three linked processes: (1) adhesion, (2) activation, and (3) aggregation. Platelet activation stimuli include epinephrine, thrombin, and collagen. Select four common causes of anemia from the list below. Increased red cell destruction Chronic blood loss Severe bleeding Impaired erythrocyte production Blood transfusion - ANSWERImpaire...

Which statement is true regarding renal blood flow? No autoregulation is found in renal blood flow. The kidneys receive 50% of cardiac output. The kidneys receive mL of blood per minute. The glomerular filtration rate (GFR) is not related to renal blood flow. - ANSWERThe kidneys receive almost a quarter of cardiac output. A patient with untreated strep throat is more likely to have with kidneys - ANSWERNephritic syndrome is caused by an antibody/antigen reaction seen after group a-beta h...

Crohn disease can involve any part of the gastrointestinal tract from the oropharynx to the perianal area. Diseased segments frequently are separated by intervening normal bowel, leading to the term "skip areas." Inflammation can be transmural, often extending through to the serosa, resulting in sinus tracts or fistula formation. - ANSWERA patient presents to an advanced practice registered nurse (APRN) complaining of diarrhea, rectal bleeding, and right lower quadrant tenderness. Diagnostic t...

What is needed for osteoclast actiation - ANSWERRANKL What leads to primary osteoporosis - ANSWERalterations in RANKL/OPG system lead to dysregulation Type IX collagen does what - ANSWERThe glue that holds together the type two collagen acaffold of articular cartliage osteosarcoma looks like what - ANSWERmost common malignant primary bone tumor. Has a moth eaten pattern of bone destruction. Giant cells in myelogenic tumors affect what gender more often - ANSWERfemales what is the...

Which type of genetic disease affects males more frequently than females? - ANSWERSex-Linked recessive. Since males only have one X and one Y, if the affected chromosome has the illness, it will be expressed. In which two conditions are chromosomal abnormalities the leading known cause? - ANSWERIntellectual disability and fetal miscarriage. Chromosome abnormalities are the leading known cause of intellectual disability and fetal miscarriage. What are three examples of prenatal diagnostic s...

How many months of unprotected intercourse with the same partner with an inability to conceive would be considered infertility? - ANSWERInfertility is defined as the inability to conceive after 12 months of unprotected intercourse with the same partner. A student is learning about pelvic inflammatory disease (PID). Which information about PID is correct? An episode of mild PID can decrease the possibility of a successful pregnancy by 80%. PID has not been associated with an increased risk ...

Symptoms of Chronic suppurative otitis media - ANSWERChronic suppurative otitis media- will have hearing loss, purulent drainage, ear pain. What is Gate Control Theory - ANSWERpain transmission is modulated by a balance of impulses conducted to the spinal cord where cells in the substantia gelatinosa function as a "gate". What is the parathyroid gland responsible for - ANSWERproduces parathyroid hormone (PTH)- which is the single most important factor in the regulation of serum calciu...

A patient presents to an advanced practice registered nurse (APRN) complaining of diarrhea, rectal bleeding, and right lower quadrant tenderness. Diagnostic tests reveal deficiencies in folic acid, vitamin D, and calcium. The APRN suspects Crohn disease. What is the pathological mechanism of this disorder? Neutrophil infiltration of the crypts, which causes destructive abscess formation Destruction of mucosal barrier caused by drugs or Helicobacter pylori infection Acid and pepsin in the duo...

An advanced practice registered nurse (APRN) is working with patients at an eating disorder clinic. One patient is a 64-year-old woman with a long history of anorexia nervosa. Which health promotion intervention is appropriate for this patient due to complications of her disease process? Encouraging high-impact aerobic exercise Recommending daily calcium and vitamin D supplements Prescribing a cholesterol-lowering medication Ordering a screening colonoscopy and antidiarrheal medication - AN...