Tulloch

Stranger-oriented life insurance policies are in direct opposition to the principle of a. law of large numbers b. good faith c. indemnity d. insurable interest - ANS - d. insurable interest-STOLI purchaser doesn't know the insured, or have any interest in the insured's longevity, so it violates the principle of insurable interest Which is generally true regarding insureds who have earned preferred status? a. they keep a higher percentage of any interest earned on their policies b. thei...

When applying for an individual life insurance policy, an applicant states that he went to the doctor for nausea, but fails to mention that he was also having severe chest pains. What is this act called? - >>>>Concealment If during a sales presentation a producer intentionally makes a statement which may mislead the insurance applicant, the producer has committed? - >>>>Misrepresentation If a consumer requests additional information concerning an investigative consum...

An insured under a life insurance policy has been diagnosed with a terminal illness and has 6 months to live. The insured knows that his financial state will worsen even more with the upcoming medical expenses. What option could the insured utilize? a) Estate liquidation b) Nonpayment of premium c) Change of beneficiary d) Viatical settlement - ANS - d Which of the following best describes fixed-period settlement option? a) Only the principal amount will be paid out within a specified pe...

The receipt given to a life insurance applicant when the application is completed and the initial premium is received is called a(n) - ANS - conditional receipt Statements in the application for insurance that are believed to be true to the best of the applicant's knowledge are called - ANS - representations An annuity is considered fixed when it does all of the following EXCEPT - ANS - provides the annuitant with an interest rate that is the lesser of the guaranteed or current rate The m...

An insured purchased an insurance policy 5 years ago. Last year, she received a dividend check from the insurance company that was not taxable. This year, she did not receive a check from the insurer. From what type of insurer did the insured purchase the policy? a. mutual b. reciprocal c. nonprofit service organization d. stock - ANS - A. mutual funds not paid out after paying claims and other operating costs are returned to the policy owners in the form of a dividend. if all funds are ...

RAMP server / seller training is ______ for all new alcohol service personnel hired after August 8, 2016. - ANS - .mandatory It is recommended that new employee orientation be completed on or before the first day of employment as a member of the licensee's alcohol service staff. True or False? - ANS - True Servers / sellers are required to complete a course examination and must receive a score of ______ or better in order to receive credit for participating in this course. - ANS - 80% Lic...

Is it true that a license can get a reduction in fines if the establishment is ramp certified - ANS - True What percentage of the alcohol service must be trained in order for an establishment to meet the server seller training requirement - ANS - 50% Who enforces the liquor code - ANS - State police When alcohol is mixed with antibiotics - ANS - Antagonistic What is the only thing that eliminates alcohol from the body - ANS - Time What speeds up alchol absorption - ANS - Drinking faster a...

18. Why does most evidence-based addiction treatment appear to be ineffective? - ANS - Because outcomes are only measure after the treatment is stopped 18. Which answer below is critical to improving addiction treatment services? - ANS - Understand that addiction is a disease to be managed and not a condition to be cured 18. While all components of the PHP are important, what is the "really cool" part of the PHP framework according to Dr. Kaufmann? - ANS - The spiritual 18. Which of thes...

the brain begins as an embryonic structure called the - ANS - neural tube, shortly after conception it is formed in neurulation, all areas of the brain develop from here the brain is considered mature around what age - ANS - 25, the brain is not mature until our midtwenties because the prefrontal cortex (which enables executive function abilities) continues to develop until this time what is the sequence in which we learn our abilities - ANS - sensory, motor, emotional skills, executive fun...

Resistance to the Government without violence and refusing to cooperate. - ANS - Passive Resistance Handcuff the _____ wrist first. - ANS - Right Nighttime search warrant time requirement? - ANS - Between 2200-0600 Before a ________ is conducted the DA or Court of Common Pleas must sign off on this? - ANS - Search Warrant You can use a search warrant to seize what? - ANS - Contraband, fruits of the crime or property used to commit a crime. Search warrants must be supported by a written a...

What date was the sale of CFC's & HCFC's restricted to technicians certified in refrigerant recovery? - ANS - November 14, 1994 Section 608 of the Federal Clean Air Act requires technicians to what? - ANS - Recover all refrigerants. The objective of the Clean Air Act is to protect what? - ANS - The earth's stratosphere. HFC's - ANS - HydroFlouroCarbon's CFC's - ANS - ChloroFluoroCarbon's ODP - ANS - Ozone Depletion Potential Which international treaty agreement was the basis for S...

What is Utility Function? - ANS - Describes: 1. firm's risk attitude (risk seeking or risk averse) Logarithmic Utility Function: note: X = Wealth, U(x) = utility 1. u(x) = ln(x) Important: A utility function is graphed with utility on the y-axis and the variable driving utility (generally wealth) along the x-axis. 1. Concave utility function w/ downward sloping curve = risk aversion. 2. Convex utility function w/ upward sloping curve = risk seeking attitude 3. Straight line (ie no cur...

While traveling, a business analyst checks email on a tablet and receives a CSV file which needs to be immediately loaded into new Qlik Sense Applications for different analysis by various teams. The file is also saved in the company shared folder. How should the applications be created and shared with the various teams? A. Create the application on Qlik Sense Enterprise and upload to Qlik Sense Cloud B. Create the application on Qlik Sense Desktop and upload to Qlik Sense Cloud C. Crea...

Which of the following statements is true about master items? - ANS - Master items reusable assets that can be used throughout the app. A marketing company must analyze the age of customers who view movies at a theater at least once a month, and where those customers are located. The business analyst must consider several requirements: - Age of customers- Addresses of customers- Frequency of theater visits Which objects should a business analyst use to visualize these requirements? - ANS -...

What type of surveillance is regarded Non-cooperative, independent surveillance? - ANS - PSR radar What surveillance technique is ADS-B? - ANS - Cooperative, dependent surveillance What is an example of Cooperative, Independent surveillance? - ANS - SSR radar How is an aircraft detected by the PSR? - ANS - By reflected electromagnetic energy transmitted from the radar What is radar clutter on an ATM radar? - ANS - Unwanted targets What is a limitation to the PSR radar? - ANS - No identifi...

For low scores on the clinical scales in CLINICAL SETTINGS, graham recommends that (MMPI-2) - ANS - low scores not be interpreted In general T scores on the clinical scales that are greater than _________ can be considered high scores (MMPI-2) - ANS - 65 a high score T>75 on which scale is associated with difficulty in incorporating the values and standards of society (MMPI-2) - ANS - Scale 4 psychopathic deviate In developing the RC scales the test developers first constructed the ____...

Which network connection has a relatively high cost, is billed on a per port charge, and a rate per mile for the length of the circuit? - ANS - Leased lines.* Which communication technique uses microwave frequencies? - ANS - Satellite. What is the oldest packet switching technology still in use worldwide? - ANS - X.25* What device is required to attach a non-integrated services digital networks (ISDN) device to an ISDN network? - ANS - Terminal adaptor (TA).* Which technology uses fixed-si...

Is this a requirement for a company using DSSO to sync AD passwords to SWA apps? - ANS - The AD Password Sync Agent must be installed and configured on all domain controllers (not an okta sign on policy must be created specifically for AD mastered users) (not delegated auth must be disabled) (not the okta username must be an email address) An Okta admin needs to transform email addresses into usernames. The email addresses are in this format "" and the new username must be in the format ...

an okta end user has a pending request for access to box. is this a reason why the end user might NOT have been assigned to box? - ANS - the approver for the workflow is deactivated. the group workflow has been deleted. a company wants to automate the process of enabling employees to request access to SAML based applications. Once employees request access, application admins need to review and accept or deny their requests. Is this the Okta feature the company should use? - ANS - Applicat...

Give a Brief explanation what the Appraisal Stage is About. - ANS - Appraisal is the process of gathering all information relevant to the proposed passage which will allow risks to be identified and assessed to ensure that the passage plan is safe. It is also taking all the considerations of the voyage into account. Give some examples of documents and publications you could use to help you when in the appraisal stage. - ANS - -Sailing Directions -list of lights -internet - loadline chart...