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CALIFORNIA LIFE, ACCIDENT AND HEALTH CRAM COURSE FINAL EXAM 2025/2026 BANK ACTUAL QUESTIONS WITH DETAILED ANSWERS WITH STUDY GUIDE EXPERT VERIFIED FOR GUARANTEED PASS/ALREADY GRADED A+

Final Exam: California Life, Accident, and Health Insurance 2025|Complete Exam Test |Recently Testing Real Exam Questions|Verified Solutions (100% correct)

California Life, Accident, and Health Insurance UPDATED ACTUAL Questions and CORRECT Answers Which of the following are common personal uses for life insurance - CORRECT ANSWER- Estate planning, Cash accumulation, Protection of survivors Which of the following is a characteristic of an interest sensitive whole life policy - CORRECT ANSWER- Flexible premiums, Guaranteed minimum death benefit, Guaranteed minimum rate of retur

Who does a life settlement broker represent? ️Ans - Individual wanting to sell their life policy to a third party What is the insurance term the State of California uses for an insurer that is eligible to transact business in this state? ️Ans - Admitted Most U.S. life insurance companies belong to the ️Ans - Medical Information Bureau Which of the following healthcare providers provide both the healthcare services and healthcare coverage? ️Ans ...

Final Exam: California Life, Accident, and Health Insurance

What distinguishes a deferred annuity from an immediate annuity? CORRECT ANSWER The time at which benefit payments start Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly payments for 5 years, Cindy dies. How many remaining payments will the insurer make to her beneficiary? CORRECT ANSWER 60 payments What is a common reason people purchase an annuity? CORRECT ANSWER To protect against the risk of outliving their financial resources What kind of ann...