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Insurance correct answersa contract in which one party (the insurance company) agrees to "make whole" the insured party against loss, damage or liability arising from an unlikely event In ___________ insurance, the policy protects survivors from losses suffered after the insured's death correct answersLife Insurance __________ the risk of loss from an individual or business to an insurance company correct answersTransfers Risk correct answersthe uncertainty or chance of a loss ...

Which of the following is true about mortgage brokers? -They don't service the loan beyond placement -They originate their own loans -They've paid through fees from originating and servicing loans -They service the loan for it's entire lifecycle correct answersThey don't service the loan beyond placement Janalynne is a designated broker setting up the main place of business for her employing broker. Before officially opening for business, she'll make sure that the _________...

Material which is ignitable ,corrosive, reactive or toxic is called correct answershazardous waste A material placed by humans for use in construction and insulation which might be a potentially hazardous substance in a dwelling is correct answersasbestos In Arizona all legal land description determined by a government rectangular survey end with correct answersG&SRBM The legal land description used most often to identify passels in subdivisions is correct answerslot, block,and tract ...

Arizona Department of Financial Institutions regulates: correct answersbrokers bankers escrow officers motor vehicle dealers Etc. AZDFI checks financial instutions every... correct answers5 years The superintendent is the _____, is appointed by _____ and serves for a term of _____ correct answersChief Officer; Governor; 5 years The superintendent needs at least ____ years of experience in the financial industry to serve correct answers5 years of experience within 15 years prior to a...

All of the following subsections are in the Property section of the AAR purchase contract, EXCEPT which one? A) Close of escrow B) Cure notice period C) Fixtures and personal property D) Possession correct answersB) Cure notice period A(n) ______ is essentially an agreement or promise between parties. A) Addendum B) Amendment C) Contract D) Disclosure correct answersC) Contract A week after their contract fell through, buyer Julie sued seller Omar for specific performance. What...

What is the supreme law of the land? correct answersthe Constitution What does the Constitution do? correct answerssets up the government The idea of self-government is in the first three words of the Constitution. What are these words? correct answersWe the People What is an amendment? correct answersa change to the Constitution What do we call the first ten amendments to the Constitution? correct answersthe Bill of Rights What is one right or freedom from the First Amendment?* c...

An insurer must keep advertising materials and records for at least how many years? correct answers3 The insurance coverage in a variable life insurance policy may vary based on the value of correct answersthe underlying investments When is it acceptable to charge or receive a fee or service charge in addition to the premium in connection with the transaction of insurance? correct answersIf the amount of the fee or service charge is reasonably related to the cost of the service. The den...

Arizona property taxes are based on: correct answersAssessed value The tax rate applied to owner occupied residential property is: correct answers10 % What lien has priority first: correct answersProperty taxes Property taxes become a lien the first day of: correct answersJanuary If a property is not bid at a tax foreclosure sale: correct answersAnyone can later buy the tax lien from the Treasurer Rank the following in order: IRS lien, Property Taxes, Special Assessments correct ...

Assistive Personnel correct answersPTA PT Aides All people who perform PT specific task under the guidance of PT Dry Needling correct answersmeans a skilled intervention performed by a physical therapist that uses a thin filiform needle to penetrate neuromuscular and musculoskeletal structures What is the time requirement of a PT who is providing general supervision and thus "readily available" to assist PTA correct answersMust be readily available via telecommunication (at the lea...

a whole life policy that provides a choice of dividend options include the following statement about dividends they accrue at a guaranteed rate they are deferred for one year they are not guaranteed they are guaranteed after the first year correct answersthey are not guaranteed When there is a named beneficiary on a life insurance policy, the death benefits 1. are directed to a trustee if the insured has any outstanding debts 2. are paid directly to the insured`s creditors...

According to the theoretical framework developed by Lev Vygotsky, a young child's cognitive development is most strongly influenced by which of the following factors? A. encounters with conflicting ideas that lead to disequilibrium and motivate change B. positive reinforcement from key individuals in the child's life C. genetically programmed characteristics that unfold gradually throughout childhood D. conversations and other interactions with adults or more able peers correct answers...

All of the following is information that is reasonably appropriate to determine the suitability of an annuity recommendation EXCEPT correct answersLevel of education Which plan offers coverage for nursing home (custodial) care without requiring any previous period of hospitalization? correct answersAHCCCS (Arizona Health Care Cost Containment System) Under Arizona workers' compensation laws, which of following situations would be excluded from disability benefits? correct answersIntenti...

Who does a salesperson represent? Select one: a.The seller b.The buyer c.The cooperating broker d.The employing broker correct answersThe employing broker An agreement to waiver prior rights in favor of another is: Select one: a.Subordination b.Subrogation c.Subornation d.Subjugation correct answersSubordination Arizona law requires which of the following to appear on the face of the listing contract? Select one: a.Street address b.Annual taxes c.Mortgages balance d.Expirati...

When the disclosure of an insured's nonpublic information is involved, what is the insurer obligated to do? correct answersGive notice, explain, and allow opting out Under the Telemarketing Sales Rule, telemarketing calls may NOT be received after correct answers9:00 PM A health plan offered by private insurance companies is correct answersMedicare Supplement Chris has a single major medical contract which covers all medical expenses. His plan is considered to be correct answerscompr...

Who lived in America before the Europeans arrived? correct answersAmerican Indians Who was the first President of the United States? correct answersGeorge Washington What was one important thing that Abraham Lincoln did? correct answersLed the U.S. during the Civil War When is Independence Day celebrated? correct answersJuly 4 Who is the "Father of Our Country"? correct answersGeorge Washington What Ocean is on the East Coast of the United States? correct answersAtlantic Oce...

Staff members must atten _________ hours of in-service every year correct answers12 hours Anything requested by department of health must be provided within ______ hours correct answers2 hours 3 meals each day with not more than ________ hours between the evening and breakfast meals unless a snack is provided and resident group agrees correct answers14 hours If a snack (meat, fish, eggs, cheese, or other protein) is provided between meals how long can the time be extended to correct ans...

Which of the following is NOT a specific lien? a. an unrecorded mortgage b. a mechanic's lien c. a judgement lien d. a blanket mortgage correct answersc. a judgement lien Which of the following is NOT an encumbrance on real property? a. lease b. easement c. homestead right d. restrictive convenant correct answersc. homestead right Which of the following is NOT an appurtenance? a. easement right b. mineral right c. water rights d. trade fixtures correct answersd. trade fixtur...

Which of these is true regarding the exchange of consideration among parties involved in an insurance contract? correct answersCan be unequal The premiums paid by an employer for his employee's group life insurance are usually considered to be? correct answersTax-deductible to the employer Kevin has an existing life insurance policy and assigns it to another insurer for a new contract. How would this transaction be treated for tax purposes? correct answersAs a section 1035 exchange W...

100 or more - The Office of Interstate Land Sales Registration requires registration when the number of lots being offered is 100 or more nonexempt lots. correct answersWhen land is offered interstate, it would be regulated by the Office of Interstate Land Sales Registration. What number of lots must be offered for the regulation to take place? Assured water supply correct answersWhen a new residential development is taking place in an Active Management Area, the developer would be required t...