Brainarium

During speaking and singing ratio of inhalation to exhalation - ANSWER-10% inhalation and 90% exhalation Diaphragm in inhalation of quiet breathing function - ANSWER-flattens and descends, increase lung and thoracic volume inferiorly to superiorly external intercostals during inhalation of quiet breathing function - ANSWER-lift ribs, ribs torque out, increase lung and thoracic volume anteriorly to posteriorly Diaphragm in exhalation of quiet breathing - ANSWER-ascends and relaxes, decrease...

What is Duverger's Law? - ANSWER-SMP favors 2 party system (don't want to waste votes on a 3rd party) What is a PR (proportional representation) electoral system? - ANSWER-proportion of seats based on percent of votes What is a minimum vote threshold? - ANSWER-Minimum [ercent of votes a politcial party must have to gain a seat in government What is a coalition government? - ANSWER-No party has majority in legislature > multiple parties rule What is preferential voting? - ANSWER-...

Types of Disabilities - ANSWER-Physical disabilities, Psychiatric, Mental retardation, and learning disabilities Psychological functioning can attenuate/exaggerate impact - ANSWER-Adjustment to disability, vocational self-concept, self-esteem, emotionality-maturity Impact adjustment to physical disability - ANSWER-The importance of impact differs by type of physical disability and actual time period Onset Issue with Physical Disabilities - ANSWER-Onset impacts on the person's physical ...

What are the four elements common to all living organisms? - ANSWER-Carbon, Oxygen, Hydrogen, Nitrogen What is an atom? - ANSWER-smallest unit of matter that retains all chemical properties What are the subatomic particles of atoms? - ANSWER-protons (1 amu), neutrons (1 amu), electrons (0 amu) What determines atomic number? - ANSWER-the number of protons and the number of neutrons What are isotopes? - ANSWER-element with a different number of neutrons

External Environment – Internal Environment – Technology - What is Systems Theory? -. How does Systems Theory perceive organizations? - Open Systems Model (OSM) - ️️Outside influences like competitors and legal, political, sociocultural, economic, and technological factors such as state and federal laws and issues affecting population health, wellness, and safety, and the presence or absence of public or private insurance coverage ️️Factors within the organization (emp...

Proficiency Scales – Half Point Score Values – Generic Scale – Consistency of Behavior – Definitional Declarative Knowledge – Cognitive Analysis Declarative Knowledge - ️️Measure student achievement of knowledge and skills in standards over time. ️️Used in proficiency scales for mastery at one level, but does not meet all of the criteria for the next level. ️️Used for every topic where students are rated 1-4 based on their knowledge. These are not topic-speci...

What is known as the immediate specific event causing loss and giving rise to risk? - ANSWER-Peril An individual who removes the risk of losing money in the stock market by never purchasing stocks is said to be engaging in - ANSWER-Risk Avoidance How do insurers predict the increase of individual risks? - ANSWER-Law of large numbers Which of the following is considered to be an event or condition that increases the probability of an insured's loss? - ANSWER-Hazard An example of risk s...

The Human Life Value concept is based on A) education level B) age C) income D) occupation - ANSWER-C) income Craig purchased a life insurance policy for enabling his heirs to pay estate taxes. What is this called? A) Estate conservation B) Liquidity maintenance C) Survivor fund D) Human value protection - ANSWER-A) Estate conservation Buy-sell agreements are typically funded by which two insurance products? A) Decreasing term insurance and Workers' Compensation B) Life insurance...

Which type of plan would be the most appropriate for an individual on Medicare and concerned that Medicare will NOT pay for charges exceeding the approved amount? - ANSWER-Medicare supplement Plan F When can a group health policy renewal be denied according to the Health Insurance Portability and Accountability Act (HIPAA)? - ANSWER-when contribution or participation rules have been violated What does the word "level: in Level Term describe? - ANSWER-the face amount A non-contributory ...

Risk Pooling (Loss Sharing) - ANSWER-Spreads risks by sharing the possibility of loss over a large number of people. Reinsurance Contract - ANSWER-Catastrophic loss is through reinsurance, which is defined as spreading risk from one insurer to one or more other insurers. -An insurer has contractual agreement which transfer a portion of its risk exposure to another insurer. Principal of Indemnity - ANSWER-involves making and insured whole by restoring them to the same condition as before a...

Group health plans may deny participation based upon the - ANSWER-member's parttime employment status Justin is receiving disability income benefits from a group policy paid for by his employer. How are these benefits treated for tax purposes? - ANSWER-Taxable income Coordination of Benefits regulation applies to all of the following plans EXCEPT - ANSWER-Preferred provider organization plan Under a disability income policy, which provision would be payable if the cause of an injury is ...

How is a collateral assignment used in a life insurance contract? - ANSWER-Transfers specific ownership rights to a creditor How is the insured protected if a payor benefit rider is attached to the life insurance policy? - ANSWER-Premium payments are waived in the event the premium payor dies or becomes disabled How long can an insurer defer paying the cash value of a surrendered life insurance policy? - ANSWER-6 months How long does protection normally extend to under a limited pay whole...

Which of the following statements regarding Group Disability Income insurance is TRUE? - ANSWER-It provides benefits for nonoccupational illnesses and injuries Which of the following is NOT a federal requirement of a qualified plan? - ANSWEREmployee must be able to make unlimited contributions Which clause defines total disability as being unable to perform the major duties of the insured's regular occupation? - ANSWER-Own occupation clause How are premiums paid by the insured for person...

Which of these riders will pay a death benefit if the insured's spouse dies? A. Family term in surance rider B. Payor benefit rider C. Guaranteed Insurability rider D. Family Whole Insurance rider - ANSWER-A. Family term insurance rider A family term insurance rider provides a death benefit if the spouse of the insured dies A renewable Term Life insurance policy allows the policyowner the right to renew the policy _____. A. Paying the same premium as before the renewal B. Without pro...

What does a life insurance policy guarantee to the stated beneficiary upon the death of the insured? - ANSWER-Specified amount of money Major medical insurance will typically cover medical expenses that result from - ANSWER-a negative reaction to prescribed medication The typical long-term care insurance policy is designed to provide a minimum of__________ year(s) of coverage - ANSWER-1 The double indemnity provision in a life insurance policy pertains to an insured's death caused by a...

Mutual Companies - Participating - ANSWER-organized and incorporated under state laws and policyholders receive dividends ($), but they have no stockholders. Anyone purchasing insurance is both a customer and an owner & has the right to vote for members of the board of directors. Mutualization - ANSWER-Stock company converting to a mutual company Demutualization - ANSWER-Mutual company converting to a stock company Lloyd's of London - ANSWER-Association formed to underwrite and issue in...

Renewable Term - ANSWER-Term insurance that guarantees the insured the right to continue term coverage after expiration of the initial policy period without having to prove insurability. provides temporary level coverage at the lowest possible cost for a limited period of tie, but then allows policy owners to renew the policy to maintain coverage past the policy termination If customer wanted coverage at the lowest possible cost that was good for a limited period of time, but offered the ...

Underwriters can acquire information from all of the following sources EXCEPT - ANSWER-genetic testing Which of the following pertains to the analysis of an applicant's personal information and determining whether insurance should be issued or declined? - ANSWER-Underwriting A 10% excise tax is normally applied to an early withdrawal from an IRA. According to HIPAA, this tax will not be applied if the withdrawal is used for medical expenses that exceed ____ of the individual's adjust...

An insurance contract is considered to be a contract of indemnity because: - ANSWERAn insured may collect no more than the amount required to restore him or her to the same financial condition that existed prior to the loss A producer must act in which of the following capacities when interacting with clients? - ANSWER-Fiduciary Which element of a legal contract does the insured's premium payment represent? - ANSWER-consideration A domestic insurance company in New York MUST: - ANSWER-B...

How does an indexed annuity differ from a fixed annuity? - ANSWER-Indexed annuity owners receive credited interest tied to the fluctuations of the linked index An immediate annuity consists of a - ANSWER-single premium Which of the following is NOT included in an annuity contract? - ANSWER-AD&D rider. Which type of contract liquidates an estate through recurrent payments? - ANSWERAnnuity The type of annuity that can be purchased with one monetary deposit is called a(n) - ANSWER-Immediate a...