If the policyowner - Study guides, Class notes & Summaries
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South Carolina Insurance Exam Questions and Answers Already Passed
- Exam (elaborations) • 18 pages • 2024
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South Carolina Insurance Exam 
Questions and Answers Already Passed 
 
An insurer is REQUIRED to offer which of the following to each long-term care applicant at the 
time of purchase? Inflation protection 
 
Which of these riders will pay a death benefit if the insured's spouse dies? Family term 
insurance rider 
 
Disability income plans which require that the insurer can NEVER change or alter premium rates 
are usually considered Nonconcellable 
 
What is the required action to be taken by a...
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PSI Life Exam Questions and Answers 100% Pass
- Exam (elaborations) • 20 pages • 2023
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SI Life Exam Questions and Answers 100% Pass What kind of retirement plan can a 75-employee for profit corporation establish? Simple IRA 
The taxable portion of a monthly income benefit paid during the annuity phase from a nonqualified annuity is calculated using the Exclusion ratio 
Unfair claims settlement methods and practices by an insurance company include all of the following acts EXCEPT failure to pay all claims that are reported within 90 days after a loss occurs 
The settlement option t...
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LA Life, Health & Accident Insurance Series 103 Practice Exam Questions and Answers Already Passed
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LA Life, Health & Accident Insurance Series 103 Practice Exam Questions and Answers Already Passed 
Under which situation must insurable interest exist between the applicant and insured at the time of application? When a third-party applicant names themselves beneficiary. 
Which of the following is true about a decreasing term life policy? The face amount reaches zero at policy expiration. 
Which of the following occurs immediately after the application is submitted and the initial premium paid?...
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Wisconsin Life Insurance Exam | 165 Questions with 100% Correct Answers | Verified | Latest Update 2024
- Exam (elaborations) • 42 pages • 2024
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What is the purpose of the Wisconsin State Life Insurance Fund? 
a) to offer low-cost life insurance to state residents 
b) To protect insured against insolvent insurers 
c) To advertise different types of life insurance policies available in the state 
d) To provide life insurance through licensed intermediaries - a 
An employee is insured under her employer's group life plan. If she terminates her group coverage, 
which of the following statements is INCORRECT? 
a) The premium for individual ...
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Xcel 2-15 Florida Life & Health State Exam Simulator Already Passed
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Xcel 2-15 Florida Life & Health State Exam Simulator Already Passed 
what is considered to be a characteristic of an immediate annuity benefit payments start within one payment period of purchase 
3 MULTIPLE CHOICE OPTIONS 
which of these characteristics is consistent with a straight life policy premiums are payable for as long as there is insurance coverage in force 
3 MULTIPLE CHOICE OPTIONS 
an insureds inability to perform two or more activities of daily living may trigger which type of life...
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AZ Life Insurance Exam (Latest 2024/ 2025 Update) Questions and Verified Answers| 100% Correct| Grade A
- Exam (elaborations) • 36 pages • 2024
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AZ Life Insurance Exam (Latest 2024/ 2025 Update) Questions and Verified Answers| 100% Correct| Grade A 
 
Q: A life policy that has premiums that are lower than normal during the early years is called 
 Decreasing term 
 Modified life 
 Variable life 
 Limited-pay life 
 
 
Answer: 
Modified life 
 
 
Q: a material change in a modified endowment contract (MEC) results in 
the contract becoming void 
a new contestable period 
the seven pay test, adjustable for cash value, applies again 
a tax ...
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Florida Life and Health Insurance State Exam Review (2-15) Questions and Answers
- Exam (elaborations) • 38 pages • 2023
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Florida Life and Health Insurance State Exam Review (2-15) Questions and Answers 
Under Florida Law, which of the following provisions is NOT required in a medicare supplement policy? - Ans: -limitation on pre-existing conditions for up to 12 months 
 
M's insurance company denied a reinstatement application for her lapsed health insurance policy. The company did not notify M of this denial. How many days from the reinstatement application date does the insurance company have to notify M of the...
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Nevada Life & Health Insurance Exam Questions and Answers 100% Pass
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Nevada Life & Health Insurance Exam 
Questions and Answers 100% Pass 
term insurance - Answer- temporary protection because it only provides coverage for a 
specific period of time 
face amount - Answer- death benefit 
3 basic types of term coverage - Answer- level, increasing, decreasing 
- based on how the face amount changes during the policy term 
What is the premium in term insurance? - Answer- regardless of type of term insurance 
purchased, premium is level throughout the term of policy 
...
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Arizona Life Insurance Exam Questions and Answers (Latest Update 2023) Verified Answers
- Exam (elaborations) • 84 pages • 2023
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Arizona Life Insurance Exam 
Questions and Answers 
(Latest Update 2023) 
Verified Answers 
a whole life policy that provides a choice of dividend options include the 
following statement about dividends they accrue at a guaranteed rate 
they are deferred for one year they are not guaranteed they are guaranteed 
after the first year - Correct Answers they are not guaranteed 
When there is a named beneficiary on a life insurance policy, the death 
benefits 
1. are directed to a trustee ...
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XCEL SOLUTIONS: Georgia Life-Only Pre-Licensing Questions and Answers 100% Pass
- Exam (elaborations) • 31 pages • 2024
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XCEL SOLUTIONS: Georgia Life-Only Pre-Licensing 
Questions and Answers 100% Pass 
When a policy pays dividends to its policyholders, it is said to be 
-profitable 
-mutual 
-nonparticipating 
-participating - Correct Answer ️️ --Participating 
A participating policy is one in which insurance policies pay out dividends to the 
policyholders. 
A nonprofit incorporated society that does not have capital stock and operates for the 
sole benefit of its members is known as: 
-a fraternal benefit s...
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