Stuviascores

What type of insurer operates for proft and has no capital stock? - ANSWER-mutual Which is true regarding an insurer examination order by the Oklahoma insurance department - ANSWER-It must be ordered every five years and the insurance pays for the exam All of the following is true regarding an Oklahoma life and health guarantee association except - ANSWER-Life policies are covered up to the amount of the death benefit plus the cash value A mutual ensure - ANSWER-Is a participating compa...

In Oklahoma, a life insurance policy loan may NOT exceed an interest rate of - ANSWER-8% Under HIPAA requirements, eligibility for the pre-existing conditions exclusion waiver under new coverage is lost if - ANSWER-there is a break in coverage of more than 63 days Which of the following health insurance provisions requires that the application becomes part of the policy? - ANSWER-Entire Contract clause impatient psychiatric care is covered under Part A Medicare for 190 days per - ANSWER...

An insurer must appoint a producer within how many days after accepting business from that producer? - ANSWER-15 days The Commissioner must examine the affairs of all domestic insurance companies every... - ANSWER-5 years What is the penalty for engaging in an unfair method of competition? - ANSWER-Cease and desist order HO policy renewal notices must be mailed at least how many days prior to policy expiration? - ANSWER-30 days Can an insurer take adverse action based on credit infor...

A licensee who does not comply with the continuing education requirements outlined in the Oklahoma Insurance Code is subject to what penalties? - ANSWER-Suspended license, double license fee and a civil fine of $100 - $1,000 The maximum obligation of the Oklahoma Property and Casualty Insurance Guaranty Association for property and casualty losses, other then worker's compensation, is: - ANSWER-$150,000 A mutual insurer is owned by: - ANSWER-Policyowners All of the following are true r...

A false written or oral statement made by a producer for the purpose of replacing an existing policy to the detriment of the insured is - ANSWER-twisting How long must a life insurance policy be in effect before the policyowner may use the nonforfeiture provision? - ANSWER-3 years The PRIMARY purpose of the Fair Credit and Reporting Act is to - ANSWER-protect consumers with guidelines regarding credit reporting and distribution Which of the following would be the advantage of replacing ...

HO-2 - ANSWER-(Broad Form) Provides broad coverage for the dwelling and personal property. HO-3 - ANSWER-(Special Form) Provides open peril coverage for loss to the dwelling and other structures, and broad coverage for personal property. HO-4 - ANSWER-(Contents Broad Form) Insures tenants. Provides broad coverage for personal property and no coverage for dwelling. HO-5 - ANSWER-(Comprehensive Form) Provides open peril coverage for both the dwelling and other steuctures and personal prop...

Insurance - ANSWER-Transfers risk from one party to another. pool or reserve - ANSWER-collected premiums to cover losses/claims Indemnity - ANSWER-restoration to previous financial condition Four essential elements of a contract - ANSWER-agreement, consideration, competent parties, legality When may a policy be terminated? - ANSWER-revoking the offer, rejecting the offer, time lapse, or termination by operation of law Termination by Operation of Law - ANSWER-happens when one or bo...

An individual applied for auto insurance and obtained coverage from EMU Insurance Company. Who is the first party in the contract? - ANSWER-The Insured If a fire hazard causes damage to a building, the fire is? - ANSWER-A peril wearing a seatbelt in a car is an example of which method or managing risk? - ANSWER-Reduce Tiffany leaves her car unlocked when she goes shopping. She figures her car and its contents are insured, so there is no reason to worry. Which type of hazard is this an e...

Earth movement endorsement - ANSWER-· Separate premium dependent on the type of dwelling and how susceptible it is to earth quakes Deductible is a percentage of loss Home Day Care Coverage Endorsement - ANSWER--homeowners policy endorsement used to provide coverage for home __________ businesses -Includes liability coverage -does not include coverage for sexual assault Personal property replacement cost - ANSWER-Homeowners policy endorsement that adds replacement cost coverage for pers...

Which of the following statements about WC is correct? - ANSWER-WC is an exclusive remedy. According to the Jones Act, if a seaman is negligent in a claim against the employer, which of the following is correct: - ANSWER-violation of posted safety standards can affect the outcome of the claim. The Sooners insurance company has written WC policies for several employers in OK. Tim's employer, Tiny Trinkets, has submitted a claim on Tim's behalf for a leg injury he sustained in the course o...

As used in many standard regulations, the term ________ denotes a mandatory requirement, and the term _______ denotes an advisory recommendation. - ANSWER-shall, should Name five PPE that are generally required for all tree workers. - ANSWER-Hard hat, eye protection, hearing protection, leg protection, sturdy work boots and appropriate clothing True/False All communication wires and cables shall be considered to be energized with potentially fatal voltages and shall never be touched direct...

True or False: Infrequent, deep soaking of trees and shrubs are preferable to frequent, shallow waterings. - ANSWER-true The most beneficial times to irrigate plants are ____________ __________________ or ___________________ _______________. - ANSWER-late night or early morning The _____________________ rate is the rate at which water soaks into the soil. - ANSWER-infiltration Clay soils generally have a greater _______________-_________________ __________________ than sandy soils, but ...

Because pruning removes leaves and reduces the overall photosynthetic capacity of a tree, it also reduces - ANSWER-Growth Name 5 common reasons for removing limbs from trees - ANSWER-Dead, diseased, hazardous, crossing, thinning for light or air penetration, weight reduction, size reduction. To maximize flowering, plants that bloom on currents seasons wood should be pruned prior to blank, or in the summer after bloom has occurred. Plants that bloom on last seasons wood should be pruned jus...

Taxonomy - ANSWER-The classification of plants Levels of plant classification - ANSWER-Kingdom, Phylum,Class, Order, Family, Genus, Specific Epithet Angiosperm - ANSWER-Vascular plants whose seeds are covered by an ovary. Gymnosperm - ANSWER-Vascular plants with naked seeds. Dicotyledon - ANSWER-Plants that have two seed leaves at germination. Monocotyledons - ANSWER-Plants that have one seed leaf at germination.(grasses, palms) Characteristics that identify trees: - ANSWER-Lea...

abiotic: - ANSWER-pertaining to the nonliving parts of an ecosystem, such as soil particles, bedrock, air, water. abscisic acid (ABA): - ANSWER-a plant hormone that stimulates stomatal closure and promotes seed and bud dormancy. abscission zone: - ANSWER-a wall of cells at the base of a petiole, that allows the leaf to separate from the stem. acceptable risk: - ANSWER-the amount of risk that an owner is willing to accept before tree failure. accessibility: - ANSWER-the establishment ...

water - ANSWER-Trees take up essential elements, dissolved in ______, through the roots. macronutrients - ANSWER-_______ are elements required by trees in relatively large quantities. nitrogen - ANSWER-The macronutrient ______ is a constituent of chlorophyll and, if deficient, can cause reduced growth and yellowing of the foliage. chlorosis - ANSWER-yellowing between the leaf veins is called _______ and may be the result of mineral deficiencies. slow-release fertilizers - ANSWER-It i...

True/False - Information about a tree's history and symptoms gained from a home owner can always be considered accurate. - ANSWER-False If a tree is not well suited for the site in which it has been planted, it may become _______, predisposing it to other problems. - ANSWER-stressed A common mistake in diagnosis is to carefully examine the aboveground portion of the tree, while ignoring the _______. - ANSWER-roots True/False - If a tree declines or dies within the first year following ...

Name 3 instances in which cabling might be called for in a tree. - ANSWER-a) support a weak crotch b) support for multi stemmed trees c) support for weak wooded trees Common-grade cable is relatively malleable (bendable) and easy to work with. ________ - _________ - ________ cable is much stronger but less flexible than common-grade cables. - ANSWER-extra-high-strength One advantage of _______ _______ is that it is both strong and flexible. A potential drawback is the limitation of c...

Name five ways that trees can be adversely affected by construction. - ANSWER-root injury soil compaction injury to trunk or branches grade change excavation/severing root system When soil is compacted, the _______ _______ between soil particles is reduced. - ANSWER-pore space The phases of land development are... - ANSWER-site clearing and demolition rough grading utility installation and grading construction final grading and landscape installation If the soil grade on a const...

Urban forestry is the management of naturally occurring and planted tees and associated plants in urban areas. Arboriculture focuses on the _______; urban forestry focuses on the _______, or larger populations of trees in urban areas. - ANSWER-tree forest List five allied professionals or groups that an urban forester should learn to communicate with. - ANSWER-urban planners civil engineers public works officials government agencies the public other True/False - The leaves and branch...