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Food service - ANS businesses, institutions, and companies responsible for any meal prepared outside the home; types: restaurants, schools, child care, hospitals, long-term care, and correctional facilites Environmental trends, food labeling regulations, workforce issues - ANS challenges facing the food service industry: food, paper, and plastic supplies - ANS 60-70% of solid waste is from ___; creates an environmental challenge in food service calorie labeling -...

The goal of family dev. is _________ of families. - ANS Empowerment In the _______ approach, programs or agencies use pressures or incentives to follow through until services and no longer needed. - ANS Providing services The first step of family dev. is for a family and worker to develop a _____. - ANS Partnership The family dev. plan helps families identify steps to achieve a major ____ in their lives. - ANS Goal The _______ approach originated in we...

An unmarried resident in the state of Florida recently died without a will. The resident, a widow, had four children from her only marriage. The first born child died one day prior to the widow; the second child died at the same time as the widow; the third child died one day after the widow; and the last child died one week after the widow. The children were never married, nor did they have any children of their own. Which answer best describes the identity of the widow's heirs? A. All fo...

Thomas Malthus predicted that eventually.... - ANS Humans would suffer from famine on a global scale from lack of food due to exponential population growth. Considering the viewpoints of "Prophets & Wizards," a Prophet would favor _________ while a Wizard would favor _______ in dealing wit problems concerning food sustainability. - ANS Organic Farming; GM (Genetically Modified) Crops Norman Borlaug won a Nobel Peace Prize for his work developing - ANS dwarf varieties of whea...

Which of the following is considered to be an alternative to a life settlement? - ANS Accelerated death benefit rider What is created after policy proceeds are obtained in a lump sum and then immediately invested? - ANS Estate Rob purchased a standard whole life policy with a $500,000 death benefit when he was age 30. His insurance agent told him the policy would be paid up if he reached age 100. The present cash value of the policy equals $250,000. Rob recently died at age...

charles is a producer who is licensed in louisiana but resides in mississippi. Charles is considered to be a(n) - ANS Nonresident producer Karen the producer pays for her client's initial premium payment as an incentive for purchase. this act is considered a(n) - ANS Rebate an indemnity plan limitation that will pay the dental bills after a small amount is paid by the insured is called - ANS Coinsurance according to Louisiana law, group life insurance conversi...

Personal Auto Policy - ANS Part A: Liability Coverage Part B: Medical Payments Coverage Part C: Uninsured Motorists Coverage Part D: Coverage for Damage to Your Auto Part E: Duties After an Accident or Loss Part F: General Provisions You and Your - ANS The named insured listed in the declarations, and the spouse if a resident of the same household. The named insured should always be the person or persons to whom the vehicle is titled and registered Private Passenger Au...

An insured filed a claim with her insurance company and submitted all the proof of loss requested. The insurer is non-responsive. How many days must the insured wait before beginning legal action to recover her money? - ANS Correct Answer: the insured must wait 60 DAYS before taking legal action to recover their money Dalton has given his insurer permission to go after a 3rd party to collect damages owed. This is known as: - ANS Correct Answer: Subrogation, Subrogation is the ...

Insurable Interest - ANS something of value that, if lost, would cause you financial harm When delivering a policy what is the agents responsibility - ANS Collect payment Unilateral Contract - ANS A one-sided contract wherein one party makes a promise What is the minimum schedule of time in which payments must be made to the insured - ANS Monthly When an insured mistakes their age what must happen? - ANS adjust the claim benefits to reflect the...

Endorsements (The wording in an endorsement takes precedence over the wording in the policy to which it is attached. Some add exclusions; others clarify or enlarge the coverage provided in the basic policy) - ANS An attachment to an insurance policy that modifies its coverage in some way. Policy Conditions (Many policies conditions deal with practical issues concerning who is covered, during what periods coverage applies, and where coverage applies. Some address the amount and how the...

In group health, what is the purpose of coordination of benefits provision? - ANS Determines what is paid by the primary and secondary insurers in the event of a claim According to the principal of utmost good faith, the insured will answer questions on the application to the best of their knowledge and pay the required premium, while the insurer will deal fairly with the insured and it's - ANS Promises made Sole proprietors are permitted tax deductions for health costs ...

What do Dread Disease policies cover? - ANS A specific disease or illness Which provision is NOT a requirement in a group life policy? - ANS accidental K purchased a $10,000 Life Policy that will pay the face amount to her if she lives to age 65, or to her beneficiary if she dies before age 65. K purchased which of the following types of policies? - ANS endowment at ge 65 When is the face amount of a Whole Life policy paid? - ANS When the insured dies or ...

Pay the claims covered under the policy. - ANS A primary obligation of an insurance company is to: aAccumulating Risk - ANS Which of the following is not a reaction to risk? aAn increase in the possibility that a loss may occur. - ANS Which of the following describes a hazard? aRequiring the policyholder to carry insurance to value. - ANS Which of the following best meets the test of the "Principle of Indemnity"? aOverpayment of a claim - ANS ...

Adverse Selection - ANS Insuring of risks that are more prone to losses than the average risk. Death Benefit - ANS The amount paid upon the death of the insured in a life insurance policy. Insurance Policy - ANS A contract between a policyowner/insured and an insurance company which agrees to pay the insured or the beneficiary for loss caused by specific events. Insured - ANS Person covered by the insurance policy; may or may not be the policyowner Ins...

The Misstatement of Age provision requires that if the age of the insured is misstated, then any amount payable is - ANS an amount that the premiums paid would have purchased at the current age or ages In Arkansas, a domestic insurance company is defined as a company that - ANS is incorporated and formed in Arkansas What MUST an insurance company use in its advertising? - ANS Its true corporate name Which of the following is NOT an example of a producer's brea...

In order for a contract to be valid, it must: - ANSContain an offer & acceptance When does a nondisabled person first qualify for a Medicare Supplement Policy? - ANSAge 65 A life insurance company has transferred some of its risk to another insurer. The insurer assuming the risk is called the: - ANSReinsurer A common exclusion with vision plans is: - ANSLasik Surgery What are applicants statements concerning occupation, hobbies and personal health history? - ANSRepresentation Stat...

A person covered with an individual health plan is issued a policy is issued a certificate of medical costs does not contract directly with the insurance company is not subject to medical underwritingANS - Is issued a policy Which of the following is typically NOT eligible for coverage in a group health policy? Full-time employee Temporary employee Business owner Partner in a partnershipANS - Temporary Employee How many employees must an employer have for a termina...

Accelerated Benefits - ANS Riders attached to life insurance policies which allow death benefits to be used to cover nursing or convalescent home expenses. Accidental Death Benefits - ANS A policy rider that states that the cause of death will be analyzed to determine if it complies with the policy description of accidental death. Accidental Death Insurance - ANS An insurance policy that provides payment if the insured's death is the result of an accident. Acc...

A life insurance premium is paid each month. The insurer then subtracts a mortality and expense charge from the policy's cash value. This best describes which of the following life insurance policies? A. Whole Life B. Variable Whole Life C. Universal Life D. Adjustable Whole Life - ANS C. Universal Life What is the name of a single policy covering two or more lives that pays benefits upon the death of the first insured? A. Accidental Death B. Joint Survivorship Life C. Joint...

J is a producer who has induced an insured through misrepresentation to surrender an existing insurance policy. What is J guilty of? - ANS Twisting What is implied authority defined as? - ANS Authority that is not specifically given to an agent contract, but that an agent can reasonably assume to carry out his/her duties A person who is a nonsmoker, average weight, excellent health would fall into what risk classification? - ANS Preferred Which of the following i...