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Which of the following actions is considered to be an unfair trade practice? correct answersOA producer who sells insurance to an individual by means of threat Which tax would an IRA participant be subjected to on distributions received prior to age 59 1/2? correct answersIncome tax and penalty tax Which of the following is NOT a valid reason for an insurer to contest a life insurance policy during the policy's first two years of existence? correct answersMisstatement of age A family...

Theory of Natural Selection is considered to be the driving mechanism behind evolution. Charles Darwin came up with survival of the genome, which we understand as what? "Survival of the Fittest" correct answers"Survival of the Fittest" Which of the following Psychologist is considered to be a Humanist and is known for extensively studying the concept of self-actualization? correct answersAbraham Maslow The developmental period that starts from the onset of puberty until the...

What does a steady red traffic light signal, as shown below, mean? correct answersStop until the light turns green What does a flashing red traffic light signal mean? correct answersStop. Treat this light like a stop sign and proceed when safe What does a red arrow traffic signal like the one shown below mean? correct answersDo not turn right until the arrow turns green What does a steady yellow traffic light signal, as shown below, mean? A. Stop until it is clear to go B. Stop until ...

Arizona property taxes are based on: correct answersassessed value The tax rate applied to owner occupied residential property is: correct answers10% Which of the following liens would have priority? correct answersProperty taxes Property taxes become a lien the first day of: correct answersJanuary If a property is not bid at a tax lien sale: correct answersAnyone can later buy the tax lien from the Treasurer Rank the following liens in the order of their priority from highest to ...

Question 1 The Swansons left the family property to their son, Jason, with the stipulation that he does not build on it. The type of estate Jason holds is ______. Fee simple absolute Fee simple defeasible Leasehold Qualified lease correct answersFee simple defeasible Under a fee simple defeasible estate, the property holder owns the property with all legal rights, but subject to a condition. Question 2 Which of the following is a true statement about the MLS and sellers? For most se...

Explain the purpose of the English Bill of rights and the magna carta. How were the documents similar? correct answersEBR- protect people's rights from the government MC- limited king's powers the british parliament was based on the ideas from these two ancient governments correct answersRoman- republic Greek- democrat What was the main weakness regarding the articles of conderation correct answersweakened central government what is social contract theory correct answerspeople m...

Question #1 of 80 Question ID: 1286612 Which of the following is true regarding all transactions and compensation? A) The exact dollar amount of the commissions for each employing brokerage representing the parties must be disclosed to all parties. B) The names of the brokerage firms representing the parties and receiving compensation must be disclosed in writing to all parties before close of escrow. C) Buyer and seller must consent in writing before any referral fee can be paid to any ...

A utility company wants an easement on land, but the landowner doesn't want his property encumbered. What would the owner give the utility? correct answersLicense If the buyer is assuming an existing loan on the property, which of the following is prorated at closing? correct answersInterest Any broker or salesperson who initiates a suit to recover a commission for performing a regulated real estate activity must first be able to prove that he/she was properly _____ at the time the clai...

The purpose of the 'No loss No Gain' provision is to avoid duplication of _____ and _____ when an individual is covered under multiple group health insurance plans: correct answersBenfit payments and overinsurance A life insurance policy can usually be contested by the insurer only during the first ____ years of the contract correct answers2 years After an annuity has been in force for ____ years, it becomes incontestable correct answers2 years In long term care insurance, what is...

What is a 'General Survey'? correct answersBegins the moment you first encounter a patient. *Physical Appearance *Behavior *Body Structure *Mobility. General Survey: Physical Appearance correct answersage, sex, level of consciousness, skin color, facial features General Survey: Mobility correct answers-Gait -Range of Motion (ROM) General Survey: Body Structure correct answersstature, nutrition, symmetry, posture, position, body build, contour General Survey: Behavior correc...

What are the two requirements of the property if the anti-deficiency statute is to apply? correct answers2.5 acres or less. Utilized as a family home for a 1 or 2 family dwelling. In a deed of trust, who is the "trustor?" correct answersThe person buying the house (the purchaser). Who has priority in liens even over a purchase money mortgage lien filed prior? correct answersLiens for unpaid property taxes and agricultural liens on crops. Does an IRS lien filed in 2015 have priorit...

Which of the following statements about the Dwelling Basic Form (DP-1) is CORRECT? A. The policy is designed to provide broad coverage for personal property B. The DP-1 provides coverage for appurtenant structures C. The policy covers fire, lightning, and all types of explosions D. The DP-1 is an open perils policy correct answersB. The DP-1 provides coverage for appurtenant structures All of the following are typically included in the supplementary payments of a liability policy EXCEPT...

A borrower is required to put 10% down for the purchase of a property. The 10% down would be considered... correct answersEquity A broker, acting as a property manager, would be considered what type of agent? correct answersGeneral A contract has been signed, but title has not yet been passed. The contract is... correct answersExecutory A house cost $100,000. The buyer is making a down payment of 32,000 and getting a $68,000 loan. If there are 4 points, how much money will be paid out o...

Insurance correct answerstransfer of risk from a person or business to an insurer Risk correct answersis the uncertainty or possibility of a loss Describe Both Type of Risk correct answersSpeculative risk has a chance for gain or loss and pure risk is 100% risk (making it insurable). Exposure correct answersIs the possibility that risk will occur. List Examples of Exposure correct answersAuto Accident, Lost Luggage (on a trip), Pet Bites Mailman, House Fire, etc. Peril correct ans...

What is the form of co-ownership in which two or more persons each have an undivided interest in the property but no right of survivorship? correct answersTenancy in Common A type of ownership that is considered a long-term lease is best described as: correct answersCooperative Building codes are primarily enforced by: correct answersthe issuance of permits An interest in and possession of any real property is called correct answersAn estate Roberta wishes to build her garage 2 feet ...

Are benign, Keratin filled cysts that can appear just under the epidermis and has no visible openings correct answersMila An inflammation of the skin caused by coming in contact with certain chemicals/substances. correct answersContact Dermatitis A soils bump larger than .4 inches that can be easily felt. correct answersNodule Characterized by piles of material on the skin surface, such as crust/scabs or depressions in the skin surface, such as an ulcer. correct answersSecondary Legion ...

A 3.45-acre What is the selling price? lot sells for so cents per square foot. A. 537,570 B. $75,141 C. 576,230 D. $78,712 correct answersB A blind ad refers to an ad that: A. provides no price. B. provides no address. C. gives no with a broker. indication that the property is listed D. gives no been sold or not indication that the property has correct answersC purchase of a property. A borrower is required to put 10% down The 10% down for the considered would be A equity....

Under the BOP, how much would be paid for any one tree, shrub, or plant in case of a covered cause of loss? correct answersThe policy provides a limit of no more than $1,000 on any one tree, shrub, or plant with a total limit of $2,500. The older forms provided $500. Name the coverage that applies to the extra cost the insured incurs to make temporary repairs and speed up the permanent repairs or replacement of damaged covered equipment under an Equipment Breakdown policy. correct answersTh...

Who originates their own loans? correct answersMortgage bankers What 3 primary acts impact mortgage loan disclosure? correct answersRESPA, TILA, Dodd-Frank What items are accrued or prepaid? correct answersProrated What document is used to give a buyer an overview of the title history and information about what is or isn't covered in an insurance policy? correct answersPreliminary Report What information must subdividers provide the AZ Department of Real Estate before accepting de...

Which statement regarding the cash value of a whole life insurance policy is correct? correct answersAvailable to the policyowner when the policy has been surrendered. Which of the following is NOT a valid contract exchange? correct answersAn annuity exchanged fora . life insurance policy. Interest is credited to a fixed annuity no lower than the correct answerscontract guaranteed rate Under the uniform mandatory provisions, an accident and health insurer has the right to request an aut...