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GY 101- University of Alabama- Therell- Exam 1 Questions & Answers ________ is the short term phenomena that occur in the atmosphere, such as temperature, humidity, wind and precipitation - ANSWER-weather gases whose distribution in the atmosphere is uneven in both time and space are categorized as ____________ - ANSWER-variable gases In which direction(s) if any does the atmosphere exert pressure? - ANSWER-all directions the most abundant of the variable gases are ________ - ANSWER-...

Alabama Boating certification Exam Questions & Answers How should a vessel's registration number and validation decal be displayed? - ANSWER-On both sides of the bow of the boat. What is most important when selecting the right PFD for a passenger? - ANSWER-Total number of passengers on board. What important safety information is found on a boat's capacity plate? - ANSWER-Maximum weight and/or number of people the boat can carry safely. what is the best way to find out about hazar...

Chapter exam- Alabama laws and rules 2023 In Alabama, all health maintenance organizations must: - ANSWER-Have a complaint system to resolve written complaints from enrollees. An insurance producer who offers a potential client something of value as an incentive to purchase insurance is engaging in: - ANSWER-Rebating Medicare supplement policies marketed in Alabama: Cannot offer benefits that simply duplicate Medicare benefits Cannot be more restrictive than Medicare Cannot treat a...

Alabama State Licensing Insurance Exam with complete solutions Get a hint An applicant who fails two examinations for the same line of authority must wait how long to take another examination for that line of authority - ANSWER-3 months Payments for losses that cannot be precisely measured, such as the loss of companionship of spouse from another, are called ____. - ANSWER-General damages Transfering is a method of handling risk. Which of the following best describes the concept of trans...

Alabama Insurance: Property and Casualty Test Questions & Answers An incorporated insurance company which is run by a board of directors is known as - ANSWER-a capital-stock company Which of the following statements is true regarding a binder? a. a binder guarantees that a policy will be issued by the insurance company. b. a binder guarantees coverage and that a policy will be issued c. a binder does not guarantee that a policy will be issued; it only guarantees temporary coverage. d...

Alabama Post-License Exam with complete solutions Get a hint Which of the following best defines Risk? - ANSWER-The chance of experiencing a loss. Unexpected inflations can diminish an investor's rate of return if the income does not increase enough to make up for the effect of the inflation. This risk is known as - ANSWER-Inflation Risk The ______ is based on the idea that money available at the present time is worth more then in the future, due to it's potential earning capacity....

Alabama Civics Test Exam Questions & Answers Under our Constitution, some powers belong to the federal government. What is a power of the federal government? - ANSWER-To print money, to declare war, and to make treaties Why do some states have more Representatives than other states? - ANSWER-Because of the state population What are two rights in the Declaration of Independence? - ANSWER-Life and pursuit of happiness What is the rule of law? - ANSWER-Everyone must follow the law

Alabama Property and Casualty Exam with complete solutions If a company cancels an auto policy mid term, the refund will be made on a. pro rata basis b. short rate basis c. retroactive basis d. coinsurance basis - ANSWER-Pro Rata Basis What is the term used to describe terminating the insurance relationship at the end of the policy period ? a. cancellation b. nonrenewal c. separation d. exclusion - ANSWER-Nonrenewal Which is the best example of an indirect loss ? a. se...

Alabama Real Estate Exam - Questions & Answers 2023 A ___________ agency is created when a broker designates another real estate agent in the same office to represent either a buyer or a seller because they cannot fully represent both parties being a dual agency. - ANSWER-designated agency A _________ agency gives the agent authority to do one specific thing on the principal's behalf. - ANSWER-special or specific A _________ agency gives the agent the authority to do several activiti...

Alabama Real Estate Exam 2023 Special or Specific Agency - ANSWER-The Principal gives the agent authority to do one specific thing-sell property. They enter into a contract that stipulates how the task will be done-multiple listings of the property, commission paid etc. General - ANSWER-Principal and agent enter into a contract giving the agent the authority to conduct several activities-show property to renters, check references and negotiate leases. Designated agency - ANSWER-A dual...

Alabama Health Insurance Exam with complete solutions Pure - ANSWER-Insurance is defined as the transfer of ______________ risk to the insurance company in consideration for a premium. Pure Risk - ANSWER-The chance of loss without any chance of gain is called ___________ Speculative Risk - ANSWER-has the possibility for gain or loss and is not insurable. Risk - ANSWER-is defined as the chance of loss. Exposure - ANSWER-A condition that could result in a loss is known as Hazar...

Alabama Life and Health Insurance Exam complete solutions The Fair Credit Reporting Act - ANSWER-what law protects consumers from the circulation of inaccurate or obsolete information? domestic, foreign, and alien - ANSWER-Insurers are classified according to their domicile. What are the 3 types of insurers? Fraternal insurer - ANSWER-what type of insurer is a voluntarily formed organization that provides religious organizations with a representative form of government? mutual com...

Alabama Life & Health Insurance Exam with complete solutions Get a hint Agent/Producer - ANSWER-A person who acts for another person or entity with regard to contractual arrangements with third parties; a legal representative of an insurance company. Agent/Agency Contract - ANSWER-a contract that is held between an insurer and an agent/producer, containing the expressed authority given to the agent/producer, outlining the duties and responsibilities to the principal. If the agent is in...

Alabama Life Insurance Exam with complete solutions Which clause allows the insured to change an existing policy to any other policy of any type as long as the new policy has a higher premium, without any proof of insurability? - ANSWER-Privilege of change clause The extended term nonforfeiture option provides: - ANSWER-Paid-up term coverage equal to that of the original policy With a collateral assignment of a life policy to a creditor: - ANSWER-You assign a partial amount of the pol...

Alabama Life & Health Insurance Exam Questions & Answers Which of the following would be considered a speculative risk? - ANSWER-The possibility the painting you bought might be a long-lost masterpiece A speculative risk is one in which there is a chance for either loss or gain. Example: Gambling, Casino's, Lottery, etc. All of the other choices describe pure risk, where there is no chance of gain, only a chance of loss exists. Which is the proper term for a company owned by its pol...

Alabama Real Estate License Exam Questions & Answers 2023 After passing state exam, you have ___ days to apply for a Temporary License, either on an Active or Inactive basis. - ANSWER-90 Temporary Licenses are only valid for ___ year(s), and cannot be renewed. - ANSWER-1 For an Original License, you must pass a ___ hour post-license course. - ANSWER-30 If Temporary License is ACTIVE, the post-license course must be completed within ___ months. - ANSWER-6. If the post-license cou...

Personal Lines Alabama State Exam with complete solutions What type of risk is insuring your home or auto? - ANSWER-Pure risk A good definition for risk is: - ANSWER-The chance of loss The primary insured in an insurance contract is the: - ANSWER-First named insured In property insurance, coinsurance is designed to: - ANSWER-Cover all losses in full if you purchase at least 80% insurance to value All of the following are correct about binders EXCEPT: - ANSWER-The binder is good fo...

Alabama Exam Prep Questions & Answers 2023 Get a hint A salesperson discovers an error on the closing statement. Who is responsible for ensuring the accuracy of closing statements? A) The salesperson is responsible B) The salesperson's broker is responsible C) The title company is responsible D) The attorney is responsible - ANSWER-B) The salesperson's broker is responsible Although a salesperson should double-check all documents for accuracy, it is the broker who is responsible f...

Alabama Boating Test (60 questions) 100& correct answers 2023 Get a hint How should a vessel's registration number and validation decal be displayed? - ANSWER-On both sides of the bow of the boat What is important when selecting the right PFD for a passenger? - ANSWER-Passenger's body weight and chest size What important safety information is found on a boat's capacity plate? - ANSWER-Maximum weight and/or number of people the boat can carry safely What is the best way to find ...

HESI A2 Practice test questions & answers Which of the following is NOT a function of the digestive tract? a) to use enzymes to break down food b) to perform gas exchange c) to remove waste from the body d) to use peristalsis to move food along - ANSWER-b) to perform gas exchange Gas exchange is a function of the respiratory system The body, at all times, attempts to maintain homeostasis. The best definition of homeostasis is: a) a process that maintains the stability of the huma...