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California Life, Accident, and Health Insurance Questions and Answers 100% Correct
- Exam (elaborations) • 8 pages • 2024
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Which of the following are common personal uses for life insuranceEstate planning, Cash 
accumulation, Protection of survivors 
Which of the following is a characteristic of an interest sensitive whole life policyFlexible 
premiums, Guaranteed minimum death benefit, Guaranteed minimum rate of return. 
What type of policy provides coverage for life, but the premiums are not due beyond age 65, has 
guaranteed premium, accumulates cash value and the coverage will never decreaseA limited 
pay life p...
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California legal aspects of real estate Questions and Answers 100% Correct
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stare decisisA Latin phrase meaning "let the decision stand." Most cases reaching appellate 
courts are settled on this principle. 
Common LawA legal system based on custom and court rulings 
court of equitya court that administers justice according to the system of equity 
California courts have been leaders in favoringConsumer rights 
In California we follow the —- system of civil lawRoman 
English common law served as a basis for much of ourStatutory law 
Treaty of Guadalupe Hidalgo (1848...
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California Life, Accident, and Health Licensing Questions and Answers 100% Correct
- Exam (elaborations) • 23 pages • 2024
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Co-insuranceThe policy provision which requires the insurer and the insured to share in the 
cost of services rendered 
Exclusion ratioThe formula which is used by the IRS to determine how much is taxable to an 
annuitant during the pay out period. 
Occupational policyWhen a disability income policy provides coverage for injuries which 
occur on and off the job 
Most disability income policies are non occupational, meaningThey only cover the insured if 
they become disabled while away from work....
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California Commercial Insurance Exam Questions and Answers 100% Correct
- Exam (elaborations) • 10 pages • 2024
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The term "Time element Coverage" is used when the amount of loss depends on what? 
The time it takes to repair, rebuild, or restore damaged property.The term time element 
coverage is used for many indirect losses, such as a business income loss, because the amount of 
loss might not be directly related to the amount of property damage that occurred, but it is related 
to the time it takes to repair,, rebuild, or restore the damaged property. Many factors can 
influence the ultimate loss, incl...
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California Commercial Insurance Exam Questions and Answers 100% Correct
- Exam (elaborations) • 10 pages • 2024
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What is a Modular Policy? A modular policy is a policy consisting of several different 
documents, none of which by itself forms a complete contract. 
What is a Commercial Package Policy (CPP)? A Commercial Package Policy is a modular 
policy that combines different forms and more than one line of coverage. 
What must a CPP policy consist of? A Declaration Page (stating premium charges and 
coverage limits) 
A Policy Conditions (six conditions that apply to the entire contract) 
Two or more Cove...
Too much month left at the end of the money?
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California Commercial Insurance Exam Questions and Answers 100% Correct
- Exam (elaborations) • 10 pages • 2024
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- $7.99
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What is a Modular Policy?A modular policy is a policy consisting of several different 
documents, none of which by itself forms a complete contract. 
What is a Commercial Package Policy (CPP)?A Commercial Package Policy is a modular 
policy that combines different forms and more than one line of coverage. 
What must a CPP policy consist of?A Declaration Page (stating premium charges and 
coverage limits) 
A Policy Conditions (six conditions that apply to the entire contract) 
Two or more Coverag...
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California Property and Casualty Insurance Test Questions and Answers 100% Correct
- Exam (elaborations) • 20 pages • 2024
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- $14.49
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The term "Time element Coverage" is used when the amount of loss depends on what? 
The time it takes to repair, rebuild, or restore damaged property.The term time element 
coverage is used for many indirect losses, such as a business income loss, because the amount of 
loss might not be directly related to the amount of property damage that occurred, but it is related 
to the time it takes to repair,, rebuild, or restore the damaged property. Many factors can 
influence the ultimate loss, incl...
-
California Life, Accident, and Health Licensing Questions and Answers 100% Correct
- Exam (elaborations) • 23 pages • 2024
-
- $12.49
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Co-insuranceThe policy provision which requires the insurer and the insured to share in the 
cost of services rendered 
Exclusion ratioThe formula which is used by the IRS to determine how much is taxable to an 
annuitant during the pay out period. 
Occupational policyWhen a disability income policy provides coverage for injuries which 
occur on and off the job 
Most disability income policies are non occupational, meaningThey only cover the insured if 
they become disabled while away from work....
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California Commercial Insurance Exam | Questions with 100% Correct Answers | Verified | Latest Update 2024
- Exam (elaborations) • 10 pages • 2023
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- $15.49
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What is a Modular Policy? - A modular policy is a policy consisting of several different documents, 
none of which by itself forms a complete contract. 
What is a Commercial Package Policy (CPP)? - A Commercial Package Policy is a modular policy that 
combines different forms and more than one line of coverage. 
What must a CPP policy consist of? - A Declaration Page (stating premium charges and coverage 
limits) 
A Policy Conditions (six conditions that apply to the entire contract) 
Two or mor...
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California Insurance Exam (ZoomBook by PMReview) Quizzes & Answers Graded A+
- Exam (elaborations) • 56 pages • 2023
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California Insurance Exam (ZoomBook by PMReview) Quizzes & Answers Graded A+
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