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the purpose of laws regarding the replacement of life and annuity contracts includes all of the following except - to protect the interests of life insurance and their agents all of the following would fall under the category of an adverse underwriting decision except - failure of the agent to su...

Guaranteeing future dividends is considered to be an unfair or deceptive act known as - Twisting An applicant for a disability insurance policy has a heart condition of which they are unaware and therefore they answer no to the question pertaining to heart problems on their application. Their an...

An insured purchased an insurance policy 5 years ago. Last year, she received a dividend check from the insurance company that was not taxable. This year, she did not receive a check from the insurer. From what type of insurer did the insured purchase the policy? a. mutual b. reciprocal c. nonp...

The receipt given to a life insurance applicant when the application is completed and the initial premium is received is called a(n) - conditional receipt Statements in the application for insurance that are believed to be true to the best of the applicant's knowledge are called - representation...

If the agent fails to obtain an applicant's signature on the application, the agent must: a) Sign the application, stating it was by the agent b) Send the application to the insurer with a note explaining the absence of the signature c) Return the application for a signature d) Sign the applica...