Speculative Study guides, Class notes & Summaries
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KENTUCKY ADJUSTER EXAM PREP EXAM QUESTIONS WITH COMPLETE VERIFIED ANSWERS LATEST UPDATES
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KENTUCKY ADJUSTER EXAM PREP EXAM QUESTIONS WITH COMPLETE VERIFIED ANSWERS LATEST UPDATES 
Insurance 
Transfers risk of financial losses from one party to another 
Insured 
Individual or organization that pays premiums in exchange for protection 
Insurer 
Company, group, or government agency offering financial protection 
Insurance policy 
A legally binding contract in which the insurer agrees to take on specified risks in exchange for the insured's premium. 
Principle of indemnity 
Restoration ...
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CA PSI Site - Life, Accident and Health Agent Examination (Life Agent)| Questions and Answers, 100% Correct| Latest 2023/2024
- Exam (elaborations) • 22 pages • 2023
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CA PSI Site - Life, Accident and Health Agent Examination (Life Agent)| Questions and Answers, 100% Correct| Latest 2023/2024 
CA PSI Site - Life, Accident and Health 
Agent Examination (Life Agent)| Questions 
and Answers, 100% Correct| Latest 
2023/2024 
Admitted Insurance Company vs. Non-Admitted Insurance Company 
An admitted insurance company is authorized to transact insurance in California 
because it has a Certificate of Authority granted by the California Department of 
Insurance (...
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Risk management Exam 1 driver (updated - 2024) || Complete Solutions (100% Correct)
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Risk management Exam 1 driver (updated - 2024) || Complete Solutions (100% Correct) 
Risk management Exam 1 driver (updated - 2024) || Complete Solutions (100% Correct) 
 
types of risk - ANSWER - Pure risk 
Speculative risk 
Subjective risk 
 
pure risk - ANSWER - Simply no loss or loss 
*insurance companies only deal with 
 
spectulative risk - ANSWER - loss or no loss or potential gain 
 
subjective risk - ANSWER - our attitudes towards risk (risk tolerance) 
*more difficult than pure and spe...
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FLORIDA INSURANCE 2-14 EXAM TERMS QUESTIONS AND ANSWERS (100% SCORES)
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FLORIDA INSURANCE 2-14 EXAM 
TERMS QUESTIONS AND ANSWERS 
(100% SCORES) 
Insurance - CORRECT ANSWER-Financial protection against loss or harm - An 
arrangement by which company gives customers financial protection against loss or 
harm such as theft or illness in return for premium payments. 
Life Insurance - CORRECT ANSWER-Is based on actuarial or mathematical principles 
and guarantees a specified sum of money upon the death of the person who is insured. 
Annuities - CORRECT ANSWER-Provid...
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Property and Casualty Insurance EXAM 1. Specific insurance: This type of insurance designates a particular item to be insured 2. Blanket insurance: This type of insurance covers more than one item of property at a single location or one more items of prop
- Exam (elaborations) • 26 pages • 2023
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Property and Casualty Insurance EXAM 
1. Specific insurance: This type of insurance designates a particular item to be 
insured 
2. Blanket insurance: This type of insurance covers more than one item of property 
at a single location or one more items of property at multiple locations. 
3. Speculative: possibility of both gain and loss. Not insurable. 
4. Pure: only the possibility of loss. Insurable.
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Test Bank For Understanding Psychology, 15th Edition By Feldman| All Chapters (1-17) | Newest Version 2024 A+
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Test Bank For Understanding Psychology, 15th Edition By Feldman| All Chapters (1-17) | Newest Version 2024 A+ 
Test Bank for 
Understanding Psychology, 15th Edition Feldman 
Chapter 1-17 Answers are at the end of Each chapter 
Chapter 1 
Student name:__________ 
MULTIPLE CHOICE - Choose the one alternative that best completes the statement or 
answers the question. 
1) Psychology is defined as the 
A) intuition-based approach to study human behavior. 
B) speculative method to find answers about ...
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FLORIDA INSURANCE 2-14 EXAM TERMS QUESTIONS AND ANSWERS (100% SCORES)
- Exam (elaborations) • 33 pages • 2023
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FLORIDA INSURANCE 2-14 EXAM 
TERMS QUESTIONS AND ANSWERS 
(100% SCORES) 
Insurance - CORRECT ANSWER-Financial protection against loss or harm - An 
arrangement by which company gives customers financial protection against loss or 
harm such as theft or illness in return for premium payments. 
Life Insurance - CORRECT ANSWER-Is based on actuarial or mathematical principles 
and guarantees a specified sum of money upon the death of the person who is insured. 
Annuities - CORRECT ANSWER-Provid...
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Exam Fx Life and Health Tip Sheet Questions With Complete Solutions
- Exam (elaborations) • 18 pages • 2023
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Perils correct answer: the cause of loss 
 
Policy Owner correct answer: the person who has the rights and privileges in the policy 
 
Risk correct answer: Uncertainty or chance of loss 
-Pure Risk(Insurable) 
-Speculative(Uninsurable) 
 
Insured correct answer: the person covered by the insurance policy 
 
insurer correct answer: a company that issues an insurance policy 
 
Law of large numbers correct answer: the larger the number of people with the same exposure to loss, the more predic...
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Oklahoma Property and Casualty Insurance Exam 2023 with 100% correct answers
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Risk - correct answerThe chance or uncertainty of loss. 
 
Methods of Managing Risk - correct answer1. Avoid risk 
2. Control risk 
3. Retain a risk 
4. Transfer a risk 
 
Avoid Risk - correct answerNever get into a car. 
 
Control Risk - correct answerTraining workers in the safe use of welding tools, or installing a sprinkler system in a factory. 
 
Retain a Risk - correct answerIf any loss occurs, people will pay for it themselves. 
 
Transfer a Risk - correct answerUse a Hold Harmless Agreem...
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MICHIGAN CREDIT INSURANCE STUDY GUIDE EXAM | QUESTIONS & ANSWERS (VERIFIED) | LATEST UPDATE | GRADED A+
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Definintion of Insurance 
Correct Answer: "A social device for transferring risk through an accumulation of funds" 
Policy 
Correct Answer: A contract with the insurance company (insurer) that states what the policyowner 
(insured) must pay for and what they agree to cover if damage or loss occurs. 
Premium 
Correct Answer: A set amount that must be paid for a Policy. 
Concept of Risk 
Correct Answer: Risk evolves from uncertainty - the unpredictable chance occurrences of everyday life, 
whi...
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