Amazinggrace

AN ANNUITY THAT IS PURCHASED WITH A LUMP SUM PREMIUM AND WHOSE BENEFITS BEGIN AFTER 12 MONTHS IS CALLED A - SINGLE PREMIUM DEFERRED ANNUITY A TECHNIQUE USED TO DETERMINE THE AMOUNT OF LIFE INSURANCE NEEDED BY FOCUSING ON THE PROJECTED EARNING POTENTIAL OF AN INSURED IS CALLED THE - HUMAN LIFE VALUE APPROACH WHEN REPLACING A POLICY THE PRODUCER MUST PRESENT THE APPLICANT WITH A NOTICE REGARDING REPLACEMENT OF LIFE INSURANCE - AT THE TIME OF TAKING THE APPLICATION THE POSSIBILITY OF A FI...

LIFE INSURANCE - Insurance that pays out a sum of money either on the death of the insured person or after a set period. TERM LIFE INSURANCE - Life insurance that pays a benefit in the event of the death of the insured during a specified term. *PURE *ONLY DEATH BENEFIT NO CASH VALUE WHOLE LIFE INSURANCE - Life insurance that pays a benefit on the death of the insured and also accumulates a *PERMANENT *DEATH BENEFIT & CASH VALUE. UNIVERSAL LIFE INSURANCE

a group contract is between who? - the insurer and the employer what is a keogh plan? - a retirement plan for those who are self employed what is a illustration? - a presentation or depiction that includes non guaranteed elements of a policy of life insurance over a period of years in a life insurance policy illustration "non-guaranteed elements" means what? - the premiums, benefits, values, credits or charges under a policy of life insurance that are not guaranteed or not determined at ...

AN example of a moral hazard in relation to a life insurance application would be: - Misstating your health history to an insurance company. John applies for a variable annuity and does not request that the premiums be immediately invested in a stock or bond portfolio. After the annuity is issued, John returns the annuity contract to the insurer within the free look period. What will John receive from the insurer? - The entire premium In life insurance policies, naming beneficiaries is an ...

Accept or reject the whole group - During the underwriting process for a group health policy, it was discovered that 15 out of 50 members of the group have major health issues. How would the insurer handle this? A. Accept or reject the whole group B. Accept the 35 insurable individuals while rejecting the remaining 15 C. Charge a higher premium to the 15 unhealthy individuals D. Assign the group to a reinsurer Contract that allows the policyowner to receive a share of surplus in the form ...

The type of insurance that guarantees the behavior of persons and the performance of contracts other than insurance policies is known as - Surety insurance. Surety insurance includes the guaranteeing of behavior of persons and the guaranteeing of performance of contracts other than insurance policies and other than for payments secured by a mortgage, deed of trust, or other instrument constituting a lien or charge on real estate. Which type of insurance guarantees or indemnifies owners of ...

When communicating a decision up the organization's chain of command, consulting with outside experts can help a risk management professional do which one of the following? A. Seek feedback from stakeholders B. Stay focused on the organization's objectives C. Define the organization's risk appetite D. Enhance stakeholders' confidence in the process - D Which of the following risk management program goals is an essential goal for all public entities? A. Earning stability B. Continui...

Which of the following risk management program goals is an essential goal for all public entities? - Continuity of operations The fundamental purpose of a risk management framework is to - Integrate risk management throughout the organization. Which one of the following is a tool that can be used by fraud investigators to compare documents and analyze notes? - Text mining Samuel was recently hired as a risk management professional for Parker Property Management. He has been asked by senio...

Emotional Intelligence - The ability to monitor one's own and others' feelings and emotions, to discriminate among them and to use to use this information to guides one's thinking and actions. Job Analysis - Is the process of identifying essential Skills, Knowledge, and Abilities required to perform a job; Forms the basis of all subsequent human resources activity. Behavioral - A type of question asked by an interviewer to determine a persons disposition based on previous behavior in p...

A risk map showing a large difference between inherent and residual risk indicates which one of the following? A. The risk is within the organization's risk appetite B. The current risk treatment is ineffective C. The current risk treatment is effective D. The risk does not need to be treated - C Lucas, a risk professional for Jones Incorporated, recently met with experts from the utility industry to discuss the potential loss of supply and risks to the infrastructure. Lucas must now de...

Telematics devices allow organizations to accurately identify patterns of risk and predict risk for which one of the following types of loss exposures? A. Automobile B. Property C. Workers compensation D. Business income - ANSWER A Which one of the following is a major benefit that smart insurance contracts can provide to insurance customers? A. Smart contracts can render a risk completely preventable. B. Smart contracts can provide broader coverage at a lower cost. C. Smart contracts ...

Risks from accidental loss, including the possibility of loss or no loss defines - ANSWER Hazard risk The traditional definition of risk management reflects the traditional concept of risk as - ANSWER Negative Which one of the following statements is true regarding the evolution of risk and risk management? - ANSWER The definition of risk has evolved to include positive as well as negative attributes The Dodd-Frank Act, Solvency II, and Basel III all have the purpose of reducing - ANSWER...

In center hemo must be done - ANSWER 3x a week for about 4 hours Cons of in center HD - ANSWER Most limitation on Diet, fluid than other modalities Requires the most medication Most symptoms Patients who run 4 hour tx - ANSWER Are 30% less likely to die than pts who run shorter times Each 30 mins extra of tx increase life by 7% Patients are 50% more likely to die after - ANSWER 2 day no treatment weekend, the last 12 hours of the 2 days the risk of death triples diastolic blood pressur...

During pre-treatment patients evaluation what is the best question for the PCT to ask? - ANSWER How have you been since your last dialysis treatment? During the set- up of a machine the alarm test for conductivity fails. Which action would be best for the pct to take - ANSWER Contact the biomed equipment tech The dialysis industry strives to improve the quality of patient outcomes. One way this is done is through continuous quality improvement (CQI) process. What is a model of the CQI pro...

A kink in tubing between monitor will sound what alarm - ANSWER Venous pressure high alarm Clotting in drip chamber will cause what alarm - ANSWER Venous pressure high alarm Infiltration will cause what alarm - ANSWER Venous pressure high alarm Needle placement can cause what alarm - ANSWER Venous pressure high Poorly working CVC can cause what alarm - ANSWER Venous pressure high Venous stenosis will cause what alarm - ANSWER Venous pressure high Increase in blood flow will cause what a...

Osmosis - ANSWER movement of fluid across a semipermeable membrane from an area of lower concentration to higher concentration Diffusion - ANSWER movement of dissolved particles across a semipermeable membrane from an area of higher concentration to lower concentration Ultrafiltration - ANSWER water is removed from blood because there is pressure gradient across the membrane Ultrafiltration Rate - ANSWER The rate at which fluid moves from blood into the dialysate through the semipermeabl...

Microbiological Inorganic Organic - ANSWER The main group(s) of water contamminants is (are) Patient exposure to water is 25 times greater - ANSWER Water can be considered safe for drinking, but not necessarily safe for dialysis treatment because the True - ANSWER Aluminum, fluoride, and chloramine chemicals are added by municipalities to drinking water supplies Impurities and toxins can foul dialysis machines. Patients are exposed to a large amount of water. Impurities may enter the b...

What policies and procedures are incorporated into infection control? - ANSWER - surveillance - monitoring activities for - water treatment - dialyzer reuse - bacterial contamination - transmission of blood borne and other infectious diseases What is CDC and what do they issue and update? - ANSWER CDC - Centers for Disease Control and Prevention issue and update blood borne infection control strategies and precautions including standard precautions over ther years for dialysis centers ...

How to manage Pericarditis: - ANSWER controlled heparinization, increased frequency of dialysis, use of anti-inflammatory drugs A pt telephones the clinic to c/o s.o.b. this symptom is indicative of what? - ANSWER fluid overload Which organization is primarily concerned with providing the unit staff with educational oppotunities? - ANSWER Council of Nephrology Nurses and Technicians of the National Kidney Foundation All of these are essential to the successful completion of a research pro...

AAMI Chemical Analysis of water used for hemodialysis is tested - ANSWER annually A 58-year old patient who is blind comes to treatment accompanied by his wife. Which of these approaches should the dialysis technician use when interacting with the patient? - ANSWER Describe the activities in the immediate environment A dialysis technician observes a drop of blood on the surface of a patient's hemodialysis machine. Which of these actions should the dialysis technician take? - ANSWER Clean...