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NC LIFE INSURANCE PACKAGE DEAL|GUARANTEED SUCCESS

NC LIFE INSURANCE PACKAGE DEAL|GUARANTEED SUCCESS

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NC LIFE AND HEALTH INSURANCE STUDY QUESTIONS|UPDATED&VERIFIED|GUARANTEED SUCCESS

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Which of the following is NOT a characteristic of universal life insurance? A Flexible death benefit B Cash account C Fixed premium D Unbundled premium C Universal life policies allow the policy owner to increase the amount of premium going into the policy and to later decrease it again. They ...

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NC LIFE INSURANCE EXAM PREP|UPDATED&VERIFIED|GUARANTEED SUCCESS

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An agent who sells an individual life insurance policy in NC MUST deliver to the policyowner A policy summary and buyer's guide All of the following actions are considered rebating EXCEPT Sharing commissions with other licensed and appointed agents What benefit does the Payor Clause...

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NC LIFE AND HEALTH INSURANCE|UPDATED&VERIFIED|GUARANTEED SUCCESS

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A company attempting a life policy replacement must notify the existing company within... 5 working days The commissioner must be notified within ____ 10 days of any change of address/name Free look provision allow how many days to examine the policy? 10 days starting withe the day ...

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NC LIFE INSURANCE STATE EXAM STUDY GUIDELINE|UPDATED&VERIFIED|GUARANTEED SUCCESS

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Term Insurance Used for Temporary Situations. Net cost highest in the long run. Premiums goes up every year based on current (attained)age. Term Insurance Expire's at a certain age/Time in the future. May be renewable up to a certain age or date with out a phyical Exam. Level Term I...

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NC LIFE INSURANCE PRACTICE EXAM QUESTIONS|UPDATED&VERIFIED|GUARANTEED SUCCESS

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All of the following are included within the Insurance Commissioner's duties EXCEPT a) Conducting investigation of all domestic insurers. b) Reviewing the insurers' annual reports. c) Writing North Carolina insurance laws. d) Reporting any violations of insurance laws to the Attorney General...

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NC HEALTH INSURANCE EXAM|UPDATED&VERIFIED|GUARANTEED SUCCESS

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Definitions - Broker Means a person who, being a licensed agent, procures insurance for a party other than himself through a duly authorized agent or an insurer that is licensed to do business in this State bur for which the broker is not authorized to act as an agent. Definitions - Limited ...

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FINAL EXAM - NORTH CAROLINA LIFE AND HEALTH|UPDATED&VERIFIED|GUARANTEED SUCCESS

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Which of the following is the MOST important factor when deciding how much Disability Income coverage an applicant should purchase? ... M completes an application for life insurance but does not pay the initial premium. All of these actions must occur before M's policy goes into effect EXCE...

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NC HEALTH INSURANCE|UPDATED&VERIFIED|GUARANTEED SUCCESS

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risk avoidance occurs when individuals evade risk entirely risk reduction occurs when chances of risk are lessened risk retention is being aware of the risks involved and taking precautions for financial protection. risk transference is the act of shifting the responsibility...

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NC HEALTH INSURANCE|UPDATED&VERIFIED|GUARANTEED SUCCESS

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risk avoidance occurs when individuals evade risk entirely risk reduction occurs when chances of risk are lessened risk retention is being aware of the risks involved and taking precautions for financial protection. risk transference is the act of shifting the responsibility...

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