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The free look period provided in a life insurance policy is usually ____ days - ANSWER- 10 Which of the following contracts offer deferred taxation, flexible payments, a guaranteed interest rate, and death benefits equal to the cash value? - ANSWER-Flexible premium fixed annuity Which of these if NOT considered to be an activity of a daily living(ADL)? - ANSWERDriving How are level term policies able to provide level premiums? - ANSWER-Premiums are averaged over the term of the policy AB...

When you are passing another vehicle, pedestrian, or bicyclist, you should assume that: A. They may move into your traffic lane. B. They know you want to pass C. They see your vehicle - ANSWER-A. They may move into your traffic lane. Which of these is NOT a brake check you normally do during your walk-around inspection? A. Condition of hoses B. Brake adjustment C. Hydraulic brake cylinder leaks - ANSWER-B. Brake adjustment Which of the following is a good way to react to an aggressive d...

Drivers operating vehicles on a divided highway must _________, unless directed to do otherwise by a sign, traffic control device, or police officer. -drive to the left of the median -drive to the center of the median -not drive to the right of the median -drive to the right of the median - ANSWER-drive to the right of the median What does a cross road sign look like? - ANSWERWhat does a U-turn sign look like? - ANSWER- _________ occurs on wet roads when your front tires start to ride on ...

The NH Real Estate Commission: A. has the authority to audit broker's escrow accounts with a 30 days notice B. may never audit a broker' escrow account C. requires the principal broker, upon licensure, to sign a permit allowing the commission to audit D. may only audit a broker's escrow account upon order of the courts - ANSWER-C. requires the principal broker, upon licensure, to sign a permit allowing the commission to audit For which of the following acts would a licensee be s...

Providing broad health insurance coverage - ANSWER-Providing broad health insurance coverage In New Hampshire, employers must record work-connected injuries and diseases in sufficient detail and keep same for a period of ____ from date of injury for future reference. Answer Choices: Select the Correct Answer 2 years 3 years 4 years 5 years - ANSWER-5 Years Each of the following is true about work-related injury cases which fall outside the scope of the workers compensation law, EXCEPT...

risk reduction of risk control - ANSWER-Risk may be reduced by employing loss prevention methods. For example, installing a sprinkler system in a building, or a person who quits smoking and begins a planned weight loss program. Underwriting - ANSWER-is the process of selecting certain types of risks that have historically produced a profit and rejecting those risks that have historically produced a loss. Sound underwriting practices normally produce a favorable loss ratio for an insuranc...

1. The New Hampshire Real Estate Practice Act requires that the broker? A. Disclose all materials defects to the buyer even if the buyer does not ask for them B. Keep confidential all information provided by the seller C. Disclose all information provided by the seller to the buyer D. Keep confidential all information disclosed by the buyer - Answer: Disclose all materials defects to the buyer even if the buyer does not ask for them 2. A listing agreement is an agreement between: A. selle...

Name the four classes of pesticides identified by New Hampshire regulations and identify the class that cannot be used in New Hampshire - ANSWER-1. General Use 2. Restricted Use 3. Prohibited-Limited Use 4. Prohibited (cannot be used in New Hampshire) How often must a pesticide license be renewed? - ANSWER-Annually When (what date) does a license expire if it is not renewed? - ANSWER-June 1st How many years are there in a recertification cycle? - ANSWER-5 How many credits are needed in a...

1. In New Hampshire, a broker may have his or her license suspended or revoked for all of the following actions except: A. inducing any party into a contract of sale just to break the contract and then substitute a new contract with another principal B. depositing earnest money into the firm's interest bearing escrow account C. guaranteeing future profits or income D. displaying a "For Sale" sign on a property without the owner's consent - Answer: depositing earnest money into...

Drivers with Youth Operator Licenses are subjected to the following limitations - ANSWER-1. They shall not operate a motor vehicle between 1 am and 4 am 2. They shall not operate a motor vehicle in the first six months after issuance with more than one passenger less than 25 unless it is a member of the license holder's family or they are accompanied by an adult 25 years or older 3. Shall not operate a motor vehicle with more passengers than available safety restraints In order to prac...

Appointment of Producer- Insurer must file a notice of appointment within ____ days of the agency contract or first insurance application - ️️15 days Lapsed Licensed may be reinstated within ___ months upon payment of fees and completion of CE credit hours - ️️24 months Name, address, or contact change must be reported within ___ days - ️️30 days Time frame to report administrative actions or criminal prosecutions to the Commissioner - ️️30 days Total CE hours required eve...

If a person practices without the appropriate license... - ANSWER-... it shall be a misdemeanor. A barber, master barber, esthetician, and manicurist license listed under this chapter shall expire on their birth month in the ______ year succeeding its date of issuance. - ANSWER-Odd A cosmetologist license issued under this chapter shall expire on their birth month in the ____ year succeeding its date of issuance. - ANSWER-Even A shop and booth rental license issued under this chapter shal...

Name 3 things that should be in float plan - ANSWER--Description of vessel, including reg plate, length, make, horsepower and engine type -Description and license plate of tow vehicle and trailer -Number of passengers, names and addresses, and emergency contact -Your destination, route, departure time, return time. All stopping points, dates and times. -Phone number for local authorities Tongue weight - ANSWER-Amount of the loaded trailers weight that presses down on towing hitch. Should...

Aleatory️️An insurance policy can be described as this because one party may recover more in value than he or she has parted with based upon a possible future event. A contract characterized by an unequal payment or consideration. Blue Cross/Blue Shield️️Community or service organizations that provide health care to subscribers. This covers hospital charges on a UCR basis. They function on either a for-profit or nonprofit basis depending upon State legislation in a particular local...

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condenser lens - ANSWER-microscope: located immediately below the specimen, focuses light from the light source (lamp) through the specimen to be viewed lamp - ANSWER-microscope: provides the light needed to view the specimen iris diaphragm - ANSWER-microscope: controls the width of the circle of light and, therefore, the amount of light passing through the specimen. revolving turret - ANSWER-microscope: if microscope has phase-contrast optics, the condenser may be housed here, big 'ol ...

Darwin's "General Principles of Expression" - ANSWER-Evolution of behavior, emotion and communication. Behaviorism - ANSWER-Evolution and genes don't matter, learning does. Didn't include: mechanisms, comparisons or natural environment Behaviorism (vs Ethology) - ANSWER-Location: N America Foundation: Psychology Focus: white rat Interest: learned behavior Method: lab control of variables Ethology (vs Behaviorism) - ANSWER-Location: Europe Foundation: Zoology Focus: bird...

The interactions of a drug and the receptors responsible for its action in the body - ANSWER-Pharmacodynamics These types of absorption are slower - ANSWER-Orally, mucus membrane, through skin, rectally These types of absorption are faster - ANSWER-Parenterally, inhaled The fastest absorption is - ANSWER-directly into the brain The faster the absorption, the quicker the onset, the higher the __, but the shorter the __ - ANSWER-addictiveness, duration

What do Growth charts include? - ANSWER-Weight for age Height for age Weight for height Head circumference Gender-specific Diagnosis specific Rules of Thumb for growth Weight: Over time - ANSWER-- Weight loss in first few days: 5-10% of BW - Return to BW at 7-10 days of age - Double BW : 4-5 months - Triple BW : 1 year - Quadruple BW : 2 years Daily weight gain: __-__ grams/day for first 3-4 months Average weights: - __ kg at birth - __ kg at 1 year - __ kg at 2nd year - __ kg a...

Human Population Growth... - ANSWER--Steady population until the 1800s, has been booming every since -Most of the growth is in less developed regions -Shift from rural to urban areas on a global scale -Age distribution differences between less developed and more developed regions -Larger numbers of young people in less developed regions Humans are globally significant consumers of natural resources... - ANSWER--We have used between ⅓ and ½ of the Earth's land surface -Collateral im...