Kentucky life - Study guides, Class notes & Summaries
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KENTUCKY LIFE INSURANCE STATE EXAM PRACTICE
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The premiums paid by an employer for his employee's group life insurance are usually considered to be - Answer-Tax-deductible to the employer 
 
Which of these is NOT considered to be a cost connected with an individual's death? - Answer-Business expenses 
 
These are all accurate statements regarding universal life insurance EXCEPT - Answer-Policy loans are not permitted 
 
Which of these is NOT relevant when determining the amount of personal life insurance needed? - Answer-Local unemploymen...
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KENTUCKY LIFE AND HEALTH INSURANCE ACTUAL /NEWEST 2024 WITH WELL SORTED QUESTIONS AND ANSWERS /GRADED A+/BEST FOR THAT GOOD GRADE
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KENTUCKY LIFE AND HEALTH INSURANCE ACTUAL /NEWEST 2024 WITH WELL SORTED QUESTIONS AND ANSWERS /GRADED A+/BEST FOR THAT GOOD GRADE
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XCEL Kentucky Life and Health Final Exam 2023-2024 Actual Questions and Answers 100% Verified
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XCEL Kentucky Life and Health Final Exam Actual Questions and Answers 100% Verified
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Kentucky Life Insurance Exam Already Rated A+
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Kentucky Life Insurance Exam Already Rated A+ 
4 Types of Life Insurance ️Permanent, Term, Industrial, Group 
Absolute, Voluntary, Complete Assignment ️Policy is given as a gift, policy owner has no means of 
recovering surrendered rights 
Accelerated Benefits Rider ️A life insurance rider that allows for the early payment of some portion of 
the policy's face amount should the insured suffer from a terminal illness or injury. 
Accidental Death Rider ️Provides for an additional am...
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Final Exam Kentucky Life and Health Insurance Study Guide Exam New 2024
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Final Exam Kentucky Life and Health 
Insurance Study Guide Exam New 2024 
An insurance agent who replaces an existing policy by making false written or oral 
statements is committing the act of: - CORRECT ANSWER-twisting 
Which of the following risks are insurable? - CORRECT ANSWER-pure risk 
The federal income tax treatment of employer-provided group health insurance can be 
accurately described as: - CORRECT ANSWER-Employee's coverage paid for by the 
employer is tax-deductible to the emp...
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Kentucky Life & Health Insurance Exam 2024 Verified and Tested Q&A
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Kentucky Life & Health Insurance Exam 
2024 Verified and Tested Q&A 
Life insurance underwriting would consider which of these factors as unimportant? 
Age of the applicant 
Weight of the applicant 
Marital status of the applicant 
Gender of the applicant - CORRECT ANSWER-Marital status of the applicant 
The inducement of an insured to lapse, forfeit, or surrender an insurance policy by 
misrepresentation or misleading comparisons, in order to write a new policy, is known 
as: 
Rebating 
Twi...
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Kentucky Life & Health Insurance Exam Prep Questions and Answers (Latest Update 2024)
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Kentucky Life & Health Insurance Exam Prep Questions and Answers (Latest Update 2024)
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Comprehensive Exam-Kentucky Life and Health Insurance Final Updated Exam 2024 Q&A
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Comprehensive Exam-Kentucky Life and 
Health Insurance Final Updated Exam 
2024 Q&A 
All of the following are producer responsibilities to the applicant, except: - CORRECT 
ANSWER-Offering and selling only the lowest premium policy 
___________ manufacture and sell insurance coverage in the form of policies or 
contracts of insurance. - CORRECT ANSWER-Insurers 
When both parties must perform certain duties and follow certain rules of conduct to 
make a contract enforceable refers to a(n) ___...
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Kentucky Life Exam and Health Insurance Test Exam 2024 Q&A
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Kentucky Life Exam and Health 
Insurance Test Exam 2024 Q&A 
Risk - CORRECT ANSWER-The uncertainty or chance of a loss occurring 
Pure Risk - CORRECT ANSWER-Refers to situations that can only result in a loss or no 
change. There is no opportunity for financial gain. 
It is the only type of risk that insurance companies are willing to accept. 
Speculative Risk - CORRECT ANSWER-Involves the opportunity for either loss or gain 
(Gambling). 
This type of risk is not insurable. 
Perils - CORRECT...
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Kentucky Life Insurance Exam Solved 100% Correct!!
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Kentucky Life Insurance Exam Solved 100% Correct!! 
 
Elements of a Contract 
Competent parties, legal purpose, offer and acceptance, consideration 
Waiver 
Voluntary giving up of a known right or privilege, can be express or implied 
Estoppel 
A person is prohibited by virtue of his own past actions from claiming a right that would work to the detriment of another who relied on the past conduct 
Aleatory Contract 
a contract where the values exchanged may not be equal but depend on an uncertain...
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