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Property and Casualty Pre-Test An insured owns several buildings, each at a different location and insured on a separate policy. What type of coverage does the insured have? ️Specific The ABC Corporation has $100,000 of coverage on its building through insurance Company A, and $50,000 of identical coverage on the same building through insurance Company B. Assuming coinsurance is not an issue, when a $24,000 loss occurs and the pro rata method is used, how much will each insurer pay...

Montana Casualty Laws Already Verified A+ What can casualty licensees sell? ️-Liability -Work Comp -Employer's Liability -Crime Insurance -Prepaid legal insurance -Vehicle Insurance Can casualty producers sell Title, Ocean Marine, or Inland Marine? ️No! 1896 MT Surety Law - What does surety insurance include? What does it guarantee against? ️Surety Includes: -Contract Bonds & Fidelity Bonds Guarantees Against: -Check forgery -Loss of valuable papers, docs., money, precious metal...

Montana Property and Casualty Laws What are premium finance companies? ️Loans money to the insured to pay a premium, and must be licensed as a premium finance company. (Does not apply to savings & loans, finance companies, banks, credit unions, or resident insurance producers) How long must premium finance companies keep records for? ️3 years. What are the stipulations for premium finance agreements? ️-Must be written, signed, and delivered to the insured -Discloses all details...

Montana Stories Of The Land Ch 5 brigade ️Team induce ️Convince Intertribal ️Between tribes capitalism ️An economic system in which privately owned businesses carry on trade for profit vaccinations ️Medicine that makes people immune to a disease traumatized ️Extremely hurt tumpline ️A strap slung across the four head to support a load carried on the back pemmican ️dried, shredded buffalo meat mixed with fat and berries sinew ️animal tendon rendezvous ️meet...

Mt Gov Verified Solutions Montana Indian reservations ️Crow. Northern Cheyenne. Fort Belknap. Rocky Boy. Blackfeet. Flathead. Which 2 crow reservations share a border? ️Crow and Northern Cheyenne Which river stars in Canada, creates the northern border of the Fort Belknap reservation and joins the Missouri at the Fort Peck reservation? ️Milk river Where is the Fort Peck reservation? ️North eastern Montana What two rivers meet in Greatfalls ️Missouri and sun river Where ...

Montana Government Chapter 10 All Answers Correct Euro americans ️Who did not like living in a territory where they could not vote for their own government? Euro americans ️Who did not like that the federal government controlled the territory's funds and appointed government leaders? Vote ️The territory's congressional representative could lobby congressman and senators but he could not what? Lobby ️Term that means try to influence? Legislature ️Term that means the br...

MT Notary Exam Acknowledgment ️A notarial act which requires the person who has already signed a document to personally appear before the notary and state (acknowledge) that he/she knowingly and willingly signed the document for the purposes for which it was intended. The notary does not have to actually see the person sign the document, but does have to actually witness the person acknowledge the signature. (pg. 15) Affirmation ️An oral promise on one's personal honor that the...

Montana Notary Exam Verified Solutions What is a Notary Public? A notary public is a public official commissioned by the Secretary of State to administer oaths and affirmations, take acknowledgments, witness signatures, and perform other duties as permitted by state law. A notary has a legal obligation to know Montana notary laws and to follow the standards of reasonable care for performing every authorized notarial act. As a public official, a notary is not acting on behalf of h...

2025 Montana Notary All Answers Correct What is rule #1 for Montana notaries public? A. If the document doesn't have a full notarial certificate, including the venue, the statement of particulars, and the notary's official signature and stamp it hasn't been notarized. B. The person who is signing the document must personally appear to the notary at the time of the notarization every single time. C. If you don't know what you're doing - don't do it! ️B. The person who is sign...

MT Notary All Answers Correct What are four elements of a notarial certificate? ️the notary's seal/stamp the notary's signature the statement of particulars the venue A mt notary may preform in-person acknowledgements, jurats and witness signatures on tangible records... ️in mt, north Dakota, Wyoming If the notarial certificate reads "this record was signed and sworn before me on Oct 1 2022 by John Smith," to properly preform the notarial act, the notary must... ️Admini...

Dental Jurisprudence Exam All Answers Correct Definition: Level of supervision in which the dentist is physically present when the dental auxiliary performs delegated functions. Direct Supervision Duties - The dentist must be in the office, personally diagnose the condition to be treated, authorize the procedure personally, and evaluate the performance of the allied dental professional. General Supervision Definition: Level of supervision in which the dental auxiliary performs delega...

MT Jurisprudence Guaranteed Success Ignorance of the law, excuses no one ️ **Ignorantia legis neminem excusat** Acquitted ️ A person was found innocent or not guilty after trial. Convicted ️ Found guilty after trial. Negligence ️ The commission of an act that should not have been done. Malpractice ️ Exceeding one's privilege to practice a profession. Tort ️ An act that causes damage to another. Damage ️ Refers to loss, injury, or ha...

MN Dental Jurisprudence Exam The dentist has prior knowledge and has given consent for the procedures being performed during which the dentist is not required to be present in the dental office or on the premises. ️*general supervision The dentist is in the office, authorizes the procedures, and remains in the office while the procedures are being performed by the allied dental personnel. ️*indirect The dentist is in the dental office, personally diagnoses the condition to be tre...

Montana Statute and Rules Pertinent to Life and Annuities Only Nonforfeiture Values ️Benefits in a life insurance policy that the policyowner can't lose How long does the existing insurer have to send a letter to the policyowner of the right to receive information? ️5 business days How long must they keep files containing forms from replacing insurance? ️3 years Dividends in a replacement policy are... ️NOT guaranteed What is the grace period for an individual life policy?...

Life & Health Insurance Exam Prep Graded A+ Basic Medical Expense policies ️ provide coverage for hospital, surgical, and physician medical expenses. - Can be purchased as an individual or group policy. - Offer first dollar coverage (no deductibles). - Have limited benefit periods and low coverage limits. Major Medical Expense Policy ️ serves as a supplement to Basic Medical or can be a stand-alone policy. - Available as individual or group coverage. - Provides coverage once the Bas...

Montana Life Review 2 Verified Answers Which of the following riders would NOT cause the Death Benefit to increase? Payor Benefit Rider An insured and his wife are both involved in a head-on collision. The husband dies instantly, and the wife dies 15 days later. The company pays the death benefit to the estate of the insured. This indicates that the life insurance policy had what provision? Common Disaster A producer is helping a married couple determine the financial needs of their ch...

Life Insurance Exam Questions Verified Solutions J has a life insurance policy with a Guaranteed Insurability rider. After celebrating her 42nd birthday, J wishes to utilize her rider to increase her death benefit. What will happen in this situation? - The insurer will permit J to add more insurance without requiring proof of insurability. ️ - The insurer will allow J to add more insurance pending a paramedical exam. - The insurer will deny J's request to add more insurance. - The insurer...

Montana Insurance Laws + Health Questions In Montana, if an expecting mother is hospitalized for a cesarean birth, how many hours of hospital coverage is required ️96 hours A whole life insurance policyowner does not wish to continue making premium payments. Which of the following enables the policyowner to sell the policy for more than its cash value ️Life settlement contract The individual who provides general medical care for a patient as well as the referral for specialized c...