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NC Insurance Licensing Exam Questions and Answers Graded A+ P is a producer who notices 5 questions on a life application were not answered. What actions should P take? - Set up a meeting with the applicant to answer the remaining questions Which of the following does Social Security NOT provide benefits for? - Dismemberment An Accident/Health policyholder has ____ days to return the policy and receive a full refund on premiums - 10 Under a Renewable Term policy, - the renewable ...

NC Statutes & Regulations Pertinent to Life Insurance Lesson 11 Questions and Answers Graded A+ Contract of Insurance - Agreement by which the insurer is bound to pay money or its equivalent, or do some act of value to the insured upon and as an indemnity or reimbursement for the destruction, loss, or injury of something in which the party has an interest. Commissioner - Commissioner of Insurance of NC or authorized designee -Heads state Department of Insurance -Responsible for fair ra...

NC Health Insurance Exam Pearson Vue Latest Graded A+ Pure Risk - chance of loss or no loss but not gain insurable Speculative Risk - there is possibility of loss but of gain no insurablility exposure unit - subject to loss peril - cause of loss life insurance - death Health insurance - accident and sickness hazard - increases the likelihood or severity of loss Three types of hazard - physical, moral, morale physical hazard - arise from the inherent characteri...

North Carolina Life and Health Final Exam with Verified Solutions Which of the following is the MOST important factor when deciding how much Disability Income coverage an applicant should purchase? - M completes an application for life insurance but does not pay the initial premium. All of these actions must occur before M's policy goes into effect EXCEPT - free-look period has expired Additional coverage can be added to a Whole Life policy by adding a(n) - decreasing term rider ...

NC Life Exam Simulation Questions and Answers Already Graded A Which of the following actions require a policyowner to provide proof of insurability in an Adjustable Life policy? - ANSWER: increase face amount 2. If the Commissioner of insurance finds that a licensed person has used fraudulent, coercive, or dishonest practices or has proved to be incompetent, untrustworthy, or financially irresponsible, the law allows the Commissioner to - ANSWER: suspend, revoke, or refuse to renew the ag...

NC Life Insurance - Other Life Topics - Chapter Quiz with Verified Solutions Contracts that are prepared by one party and submitted to the other party on a "take it or leave it" basis are classified as A. Binding contracts. B. Contracts of adhesion. C. Unilateral contracts. D. Aleatory contracts. - (B) Contracts of adhesion Insurance policies are written by the insurer and submitted to the insured on a "take it or leave it" basis. The insured does not have any input into the con...

NC LIFE INSURANCE QUESTIONS AND ANSWERS ALREADY PASSED All personal insurance contracts are referred to as _______ contracts because only one party writes the contract without imput from the other party. - Unilateral an insurer incorporated or organized in another country, but has operations in the state of North Carolina - Alien an insurer incorporated and domiciled in another state other than North Carolina but is doing business in North Carolina - Foreign insurance covers membe...

NC State LIFE Insurance Exam Questions and Answers Already Graded A Insurable Interest - Something of value that, if lost, would cause you financial harm. Must exist upfront at time of application. Legitimate financial reason for buying insurance. Impersonation - Wrong person takes medical examination/test in connection with application for insurance. **Can be contested beyond 2 year incontestable clause** Adhesion - Ins. Co. designs original contract. Insured has little or no contro...

NC Life Insurance Study Test Questions and Answers Graded A+ The Family Plan Insurance Policy usually consists of: - whole life insurance on the family head and term insurance on other family members A Jumping Juvenile Policy: - automatically increases the face amount at a given age Excess interest credited under an index-linked method would pay interest in relation to: - an external economic indicator Under a straight life annuity, an income is payable by the company: - only so ...

NC LIFE insurance state exam questions and answers 100% pass CREDIT LIFE - a special type of coverage written to the life of the debtor and pay off the balance of a loan in the event of the death of the debtor. BUY-SELL AGREEMENTS - a legal contract that determines what will be done with a business in the event that an owner dies or becomes disabled. Otherwise known as a business continuation agreement INSURABLE INTEREST - to purchase insurance the policy owner must face the possibil...

NC Life insurance state exam study guideline already graded A+ Term Insurance - Used for Temporary Situations. Net cost highest in the long run. Premiums goes up every year based on current (attained)age. Term Insurance - Expire's at a certain age/Time in the future. May be renewable up to a certain age or date with out a phyical Exam. Level Term Insurance - Term insurance can be Renewed annually. Has a level Face Amount at renewal, Premiums goes up. Can be purchased for a Year or a...

NC Life Insurance Practice Exam Questions and Answers Already Passed All of the following are included within the Insurance Commissioner's duties EXCEPT a) Conducting investigation of all domestic insurers. b) Reviewing the insurers' annual reports. c) Writing North Carolina insurance laws. d) Reporting any violations of insurance laws to the Attorney General. Writing insurance law is not the Insurance Commissioner's responsibility, but enforcing the law is. - c) Writing North Carol...

NC Life Insurance Exam Prep Questions and Answers Already Passed An agent who sells an individual life insurance policy in NC MUST deliver to the policyowner - A policy summary and buyer's guide All of the following actions are considered rebating EXCEPT - Sharing commissions with other licensed and appointed agents What benefit does the Payor Clause on a Juvenile Life Policy provide? - Premiums are waived if payor becomes disabled An agent who signs a blank contract application ...

NC life and health insurance study questions with certified answers Which of the following is NOT a characteristic of universal life insurance? A Flexible death benefit B Cash account C Fixed premium D Unbundled premium - C Universal life policies allow the policy owner to increase the amount of premium going into the policy and to later decrease it again. They may even skip a premium payment. The rest of the features apply to universal life policies. Which of the following would hel...

CCA Exam Prep Test Questions & Answers with Complete Solutions The nose, mouth, sinuses, pharynx, & larynx make up the? - The upper respiratory tract Mary Giovanni is in the hospital recovering from colon resection surgery. Based on her symptoms, her doctors are concerned about the possibility that she has developed a pulmonary embolism. Which of the following procedures will provide the definitive diagnosis? a) Chest X-ray b) Pulmonary angiography c) Lung scan d) None of the above - ...

Practice CCA Exam Questions with Complete Solutions A patient presents to your facility with burns to the right forearm. What is the proper way to assign a code for this condition, when the patient has varying degrees of burns on the forearm? A. Code for each of the degrees separately, but on the same note. B. Code for each of the degrees separately C. Code only the highest degree D. Code for only the lowest degree - C. Code for only the highest degree A patient with chronic kidney...