Health insurance agent

"An insured pays a monthly premium of $100 for her health insurance. What would be the duration of the grace period under her policy? - CORRECT ANSWER=> 10 days. The grace period is 7 days if the premium is paid weekly, 10 days if paid monthly, and 31 days for all other modes." "An insurance contract requires that both the insured and the insurer meet certain conditions in order for the contract to be enforceable. What contract characteristic does this describe? - CORRECT ANSWER=> Co...

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Get fully prepared for your Illinois Life Insurance License Exam with this 2025-updated, IL DOI-compliant study package. Includes state-specific practice tests (20+ hours), policy type breakdowns (term/whole/UL), Illinois regulations cheat sheet, and producer ethics scenarios. Master IL replacement rules, annuity taxation, and suitability standards with Prometric-style simulated exams. Approved by Kaplan Education for pre-licensing - pass on your first try!

XCEL North Carolina Laws and Rules | Questions and Correct Answers | Latest Update 2024/2025 | 100% PASS Which of the following is NOT an unfair claim settlement practice? - Answer -Needing written documentation of claim details Z is an agent who violated the Insurance Information and Privacy Protection Act. Z was then issued and served a statement of charges and notice of hearing by the Commissioner of Insurance. Z's hearing date must be at least ____ days after service of charges. ...

NC LIFE INSURANCE EXAM ACTUAL 2025/2026 QUESTIONS AND 100% CORRECT ANSWERS Fraternal Benefit Society - Answer -An organization of people who share a month ethnic, religious or vocational affiliation. They are entities they have no capital stock, have a representative form of government. They exist not for profit but solely for the benefit of their members and their beneficiaries and operate on a lodge system. Fraternal Benefit Societies - Answer -Agents of these societies must comply wi...

NC LIFE EXAM SIMULATION ACTUAL 2025/2026 QUESTIONS AND 100% CORRECT ANSWERS Which of the following actions require a policyowner to provide proof of insurability in an Adjustable Life policy? - Answer -ANSWER: increase face amount 2. If the Commissioner of insurance finds that a licensed person has used fraudulent, coercive, or dishonest practices or has proved to be incompetent, untrustworthy, or financially irresponsible, the law allows the Commissioner to - Answer -ANSWER: suspend, r...

NC Life Insurance Exam Prep | Questions and Correct Answers | Latest Update 2024/2025 | 100% PASS 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 di...

NC Drivers Ed Practice Written Exam | Questions and Correct Answers | Latest Update 2024/2025 | 100% PASS A driver license is required for the following? A.) Sitting in the driver's seat of a car while the engine is running. B.) Steering a car while it is being pushed or towed by another vehicle. C.) Both A and B. D.) Neither A nor B. - Answer -C If a law enforcement officer swears that a driver has refused a legal chemical test, the Division of Motor Vehicles must: A.) Place the d...

NC STATE LIFE INSURANCE EXAM ACTUAL 2025/2026 QUESTIONS AND 100% CORRECT ANSWERS Insurable Interest - Answer -Something of value that, if lost, would cause you financial harm. Must exist upfront at time of application. Legitimate financial reason for buying insurance. Impersonation - Answer -Wrong person takes medical examination/test in connection with application for insurance. **Can be contested beyond 2 year incontestable clause** Adhesion - Answer -Ins. Co. designs original contrac...