BRITTTON PRESENTS YOU WITH QUALITY EXAM,TESTBANKS AND ASSIGNMENTS

Part A - correct answer Hospital Insurance, helps pay for inpatient hospital care, inpatient care in a skilled nursing facility, home health care and hospice care Part B - correct answer Medical Insurance, financed from monthly premiums paid by insureds and from the general revenues of the federal government Part C - correct answer Allows people to receive all of their health care services through available provider organizations Part D - correct answer Prescription Drug coverage Par...

Producer - correct answer Independent Insurance Agents also known as insurance sales agents that typically sell a variety of Insurance and financial products. resident producer - correct answer An agent who holds an insurance license in the state in which they live non-resident producer - correct answer Agents who hold an insurance license in a different state than the one they live Broker - correct answer agents that work on behalf of life insurance companies to help potential customer...

What are the minimum requirements to become a licensed producer in South Carolina? - correct answer - at least 18 years old - good moral character - clean SLED background check - passed LAH exam - completed DOI registration application and paid fee What documentation is requested by the SC Department of Insurance to process your application? - correct answer DOI confirmation page including evidence of $25 fee paid Fingerprint Check PSI original exam score with a 70% of higher ...

Resident Licensing Requirements - correct answer 1. Be licensed as a resident property and casualty insurance producer. 2. Pass the SC broker licensing examination with 70% or better. 3. Pay a biennial fee of $200 4. File surety bond in favor of SC in amount of $10,000. Nonresident Licensing Requirements - correct answer 1. File application on form prescribed by the director. 2. File affidavit stating insurance on a risk in this state will only be placed with licensed agents of insurers l...

The SC Director of Insurance is - correct answer Appointed The Director must be approved by the - correct answer South Carolina Senate The Director has the same powers as a - correct answer Circuit Court Judge, but only in insurance A producer must be working for an insurance company to be licensed? - correct answer False A producer's license is valid for how long? - correct answer Indefinitely In order to keep your license, it must be - correct answer renewed every 2 years Af...

Producer - correct answer An insurance producer is any person who sells, solicits, or negotiates insurance on behalf of an insurer. If a producer changes their address, they have how many days to notify the Department of Insurance of the change? - correct answer 30 What option does the Director have if an insurance company becomes insolvent? - correct answer Revoke the company's license Who pays the biennial appointment fee for each agent? - correct answer The appointing insurer Ref...

Abandonment - correct answer the abdication of insured property into the hands of another, or into the possession of no one in particular Absolute Liability - correct answer Liability that arises from an extremely dangerous situation. Often found in cases involving explosives. Also known as "strict" liability. For example, you are absolutely liable if you keep a wild animal as a pet. Accident - correct answer an unplanned, unforseen event which occurs suddenly and at a specific place ...

Annuity Certain - correct answer Maria would like an annuity that provides a guaranteed accumulation or payout. The type of annuity she is seeking is called Survivorship Life - correct answer The type of policy which pays on the death of the last person is called Malign another insurer - correct answer Defamation occurs when a producer makes a false statement intended to A 70 year old NOT eligible for Social Security *You are not eligible to receive Medicare Part A benefits at age 6...

The process an insurer uses to evaluate applications and determine if a policy should be issued and on what terms, conditions, and rate is known as? - correct answer Underwriting The Director is conducting an examination of a foreign company transacting business in South Carolina. Who is responsible for the cost of the examination? - correct answer Foreign company Driver A has a personal auto policy with Part C: UM/UIM limits of 100/300. He is injured by Driver B who has Part A: Bodily Inj...

An insurer will accept a premium from the insured and continue theicoverage in full force as though it was NOT late during which time period? Incontestable period Probation period Reinstatement period Grace period - correct answer Grace period A person who is a nonsmoker, of average weight, and in excellent health would most likely be in which risk classification? Standard Substandard Acceptable Preferred - correct answer Preferred Which of these is affected by the frequenc...

A closed network plan offers a primary physician copay of $25. If a subscriber chooses a primary care physician outside of the network, the subscriber will likely pay - correct answer 100% of the billed amount What does Coordination of Benefits allow? - correct answer Allows the secondary payor to reduce their benefit payments so no more than 100% of the claim is paid A waiver of premium rider allows an insured to waive premium payments if the insured is - correct answer completely and per...

The balance of the loan will be taken out of the death benefit - correct answer If a policy has a automatic loan provision, what happens if the insured dies before the loan is paid back? Inspection Report - correct answer An insurer receives a report regarding potential insured that includes financial status, hobbies, and habits. What type of report is that? Spendthrift Clause - correct answer The clause that protects the proceeds of a life insurance policy from creditors after the death o...

An insurer is REQUIRED to offer which of the following to each long-term care applicant at the time of purchase? - correct answer Inflation protection Which of these riders will pay a death benefit if the insured's spouse dies? - correct answer Family term insurance rider Disability income plans which require that the insurer can NEVER change or alter premium rates are usually considered - correct answer Nonconcellable What is the required action to be taken by a South Carolina license...

drug - correct answer A chemical that can affect the living process Pharmacology - correct answer The study of drugs and their interactions with living systems Clinical Pharmacology - correct answer The study of drugs in humans Therapeutics - correct answer AKA "Pharmacotherapeutics"; The use of drugs to diagnose, prevent or treat disease or to prevent pregnancy The BIG Three Characteristics any drug can have - correct answer 1) Effectiveness 2) Safety 3) Selectivity Effective...

The nurse will monitor which laboratory result closely when administering medications to an older adult patient while assessing for adverse drug reactions (ADRs)? A. Serum creatinine levels B. Creatinine clearance C. Serum albumin levels D. Liver function tests - correct answer Creatinine clearance The nurse is caring for a group of older adult patients who are all receiving multiple medications. The nurse understands that it is essential to individualize each patient's therapy. Which is...

The nurse is preparing to review a patient's medication history. Which information is most important when the nurse obtains a medication history from a patient? - correct answer Allergies p.6 A patient develops depression as a side effect of taking multiple herbal and over-the-counter (OTC) medications. While providing patient education, the nurse instructs the patient in the correct use of herbal medications and OTC drugs to prevent side effects. Which action by the patient indicates effect...

A patient who has type 2 diabetes has a glycated hemoglobin A1c (HbA1c) of 10%. The nurse should make which change to the nursing care plan? a. Refer the patient to a diabetes educator because the result reflects poor glycemic control. b. Glycemic control is adequate; no changes are needed. c. Hypoglycemia is a risk; teach the patient the symptoms. d. Instruct the patient to limit activity and weekly exercise. - correct answer a. Which instruction should the nurse provide when teaching a ...

Which phrase should the nurse use to best describe activation of a receptor? A. An effect that causes the physiologic process to speed up B. An effect that mimics the natural neurotransmitter for that receptor C. An effect that improves the function of the receptor D. An effect that causes the receptor to be more sensitive - correct answer B The nurse is administering isoproterenol, a beta1 and beta2 agonist. The nurse understands activation of these two receptors will result in which exp...

which patient would have the highest priority when providing nursing care to multiple patients? a. a patient who would like to know if a newly prescribed drug is available in generic form b. a patient who has requested a laxative because he has not had a bowel movement in 2 days c. a patient who received oral drugs 1 hour ago and has complained of tingling around his mouth to the nursing assistant d. a patient who is prescribed a drug for which the nurse does not recognize the name of the ...

Perfusion, ineffective peripheral - correct answer Faint peripheral pulses, decreased urine output Lack of exercise, high-fat diet - correct answer Health maintenance, ineffective Orthopnea, JVD - correct answer Fluid volume excess Palpitations, pallor - correct answer Cardiac output, decreased Shortness of breath when walking to bathroom - correct answer Activity intolerance ARBs - correct answer Improve LV ejection fraction, reduce HF symptoms, increase exercise tolerance, decre...