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AL Life and Health state exam simulator -1 || A Verified A+ Pass. XCEL Health & Life Insurance PART 2 - Comprehensive Exam Review (Alabama) || with Complete Solutions. XCEL HEALTH & LIFE INSURANCE EXTRA PRACTICE - EXAM REVIEW (ALABAMA) || WITH ERRORLESS SOLUTIONS 100%. XCEL Health & Life Insurance ...

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Adbanker (Alabama) || with 100% Errorless Solutions.

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concurrent review correct answers Which of the following is a Managed Care Provision used by insurers to monitor hospital stays AIDS correct answers All of the following are typical exclusions for coverage under an accelerated death benefit rider, except: The amount of the accelerated payment,...

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AL Life and Health state exam simulator -1 || A Verified A+ Pass.

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When does "adverse selection" exist? a.) when an insurer's stock portfolio under performs b.) When the risks accepted for insurance has a LOWER likelihood of experiencing loss than an average group c.) When the risks accepted for insurance has a HIGHER likelihood of experiencing loss than an ...

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AL P&C University of Alabama Study Guide || with Complete Solutions.

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If a company cancels an auto policy mid-term, the refund will be made on a : A. pro rata basis B. short rate basis C. retroactive basis D. coinsurance basis correct answers A. Pro Rata Basis What is the term used to describe terminating the insurance relationship at the end of the policy pe...

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Alabama Health and Life Ins Exam || with 100% Error-free Solutions.

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According to the Alabama Insurance Regulations, all of the following are included as advertisements except: correct answers A birthday card sent to a policyowner by his or her agent According to the Alabama Insurance regulations, when using an illustration in the sale of a life insurance policy,...

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Alabama Health Insurance Exam || with A+ Guaranteed Solutions.

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Pure correct answers Insurance is defined as the transfer of ______________ risk to the insurance company in consideration for a premium. Pure Risk correct answers The chance of loss without any chance of gain is called ___________ Speculative Risk correct answers has the possibility for gain ...

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Alabama Insurance Final Exam || All Answers Are Correct 100%.

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Bart is injured and provides notice of a health claim to his insurer. He later receives the required claims forms. Within how many days of the loss must Bart file proof of loss with the insurance company? correct answers 90 Which welfare program provides assistance to the needy? correct answers m...

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Alabama Insurance License- Alabama Insurance Law Common to All Lines || with 100% Correct Answers.

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Cease and desist correct answers to stop or discontinue Coercion correct answers the practice of persuading someone to do something by using force or threats Commission correct answers payment to the agent by the insurance company for placing insurance, usually a percentage of the policy premi...

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Alabama Insurance test study || All Questions Answered Correctly.

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Loss Sustained Form correct answers Form that covers losses actually sustained during the policy period and discovered no later than one year after policy expiration. Fiduciary Responsibility correct answers The legal duty of a representative to manage property in the interest of the owner. Di...

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ALABAMA INSURANCE TEST || WITH ERROR-FREE SOLUTIONS.

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Which welfare program provides assistance to the needy? correct answers Medicaid Barbara has the right to change the beneficiary designation on her life insurance policy. Barbara's beneficiary is a(n): correct answers revocable beneficiary Within how many calendar days must all clean electron...

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Alabama Life & Health Insurance Exam || with 100% Verified Solutions.

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Term Insurance correct answers Temporary protection because it only provides coverage for a specific period of time. Also known as pure life insurance Term insurance provides what is known as _________________ correct answers pure death protection Term insurance provides the greatest amount of...

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Alabama Life & Health Insurance Exam || All Answers Are Correct 100%.

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Agent/Producer correct answers A person who acts for another person or entity with regard to contractual arrangements with third parties; a legal representative of an insurance company. Agent/Agency Contract correct answers a contract that is held between an insurer and an agent/producer, contain...

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Alabama Life and Health (Exam FX Simulation - attempt 1) || A+ Graded Already.

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Which of the following is NOT an allowable 1035 exchange correct answers A whole life insurance policy is exchanged for a term insurance policy. Which of the following is NOT a type of information that needs to be gathered in order to determine the value of someone's life when using the needs ap...

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Alabama Life and Health Exam || with 100% Accurate Solutions.

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In reference to the standard Medicare Supplement benefits plans, what does the term standard mean? a) All plans must include basic benefits A-N. b) Coverage options and conditions are developed for average individuals. c) All providers will have the same coverage options and conditions for each p...

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Alabama Life and Health Insurance- Comp Exam || A+ Guaranteed.

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industrial life insurance is also referred to as correct answers debt policy Based upon Optional Uniform Provisions, an insurer would have the right to deny claim payment in all of the following circumstances, except: correct answers misstatement of age on the application Insurable interest fo...

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Alabama Life and Health Insurance Exam || with 100% Errorless Answers.

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The Fair Credit Reporting Act correct answers what law protects consumers from the circulation of inaccurate or obsolete information? domestic, foreign, and alien correct answers Insurers are classified according to their domicile. What are the 3 types of insurers? Fraternal insurer correct an...

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Alabama Life and Health Insurance || with 100% Error-free Answers.

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a predetermined limit. correct answers Insurance is a method risk is transferred to an insurer for consideration up to 1. spouses in each other 2. parents in their children 3. creditors in their debtors correct answers Which of the following would be considered proper establishment of insurable...

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Alabama life and health || with 100% Errorless Solutions.

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Billy is the owner of a life insurance policy and has chosen a policy settlement option under which the company will pay the beneficiary (his widow) an income each month for as long as she lives. Payment stops at her death. Which settlement option has Billy selected? A. Fixed amount option B. Fi...

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Alabama Life Insurance Exam ADB || with 100% Error-free Answers.

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Which of the following is a true characteristic of a variable universal life policy? correct answers As long as there is sufficient cash value to cover policy expenses when due, the insured is not required to pay the planned premium Fred purchased a $100,000 policy naming his wife, Wilma, as prim...

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Alabama Life & Health Insurance Exam || All Questions Answered Correctly.

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Which of the following would be considered a speculative risk? correct answers The possibility the painting you bought might be a long-lost masterpiece A speculative risk is one in which there is a chance for either loss or gain. Example: Gambling, Casino's, Lottery, etc. All of the other choice...

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Alabama Property & Casualty Online Practice Exams || All Correct.

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Which Business Auto Symbol is the most broad of all Symbols? A Symbol 3 B Symbol 2 C Symbol 4 D Symbol 1 correct answers Symbol 1 Symbol 1 includes any auto, whether owned or not by the insured if it is used in the insured business. Which of the following would NOT be found in the policy dec...

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Alabama State Insurance Exam FX || with 100% Errorless Answers.

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If a producer changes his residential address who must he/she notify? correct answers This change will need to be reported to the Commissioner. Which of the following is NOT true regarding minors purchasing insurance policies in this state? correct answers Minors at the age of 14 are allowed to b...

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Alabama State Insurance Exam || very Flawless.

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A. 10-pay life policy correct answers Which policy accumulates cash value at the fastest rate? Estoppel correct answers The legal doctrine that prevents one from exercising a right of privilege is called contains a grace period. correct answers If the consideration clause states that the premi...

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Ch. 1: Alabama Producer Exam: Life & Health || with Accurate Answers 100%.

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J and his insurance company disagree over some ambiguous language in J's life insurance policy. If the parties end up in court, which principle would direct the court to rule in favor of J? correct answers Adhesion Which of the following is not true about insurance? correct answers It eliminates...

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Final Exam- Alabama Life Insurance || A+ Verified Solutions.

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A substandard or special class risk typically results in: correct answers a premium that is higher than for a normal risk John purchases insurance because he expects to experience a loss. This is known as: correct answers adverse selection An insurance company may cancel a life insurance polic...

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Final exam Alabama life insurance || very Flawless.

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The minimum grace period for a life insurance policy sold in Alabama is: correct answers 30 days Alabama's annuity disclosure regulation: correct answers Requires the delivery of a buyer's guide and a disclosure document to annuity applicant An insurer pays a large claim for medical expenses...

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Final exam life and health || Already Passed.

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Risk correct answers Risk is the uncertainty of loss Capitation correct answers Capitation payments are payments agreed upon in a capitated contract by a health insurance company and a medical provider. They are fixed, pre-arranged monthly payments received by a physician, clinic or hospital per ...

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Final Exam - Alabama Life and Health || with 100% Correct Answers.

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John has recently died and it was discovered that he was actually ten years older than what was listed on his life insurance policy. What will the insurer pay his beneficiary? correct answers The amount of insurance that his premiums would have purchased at his correct age Which of the following ...

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INSURANCE EXAM FINAL EXAM LIFE AND HEALTH || ALREADY GRADED A+.

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credit life insurance correct answers replacement regulation does not apply to: endowment policy correct answers a policy owner can collect the face amount on what type of policy? income is paid until the principal amount decreases to zero correct answers which of the following does NOT descri...

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L&H State Exam – Alabama || A+ Graded Already.

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The business is always the owner and beneficiary of key employee insurance. correct answers Which of the following statements about key employee life insurance is true? COBRA provides a coverage bridge, HIPPA addresses coverages under plans for new entrants. correct answers COBRA and HIPPA both a...

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Life & Health Exam Guide || Questions and 100% Accurate Answers.

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The premium & the protection remain constant for the term of the policy. correct answers A level term policy is one where.... B. Single premium. correct answers Which policy will have immediate cash? A. Decreasing term B. Single premium C. 10-pay life D. 30-pay life 1 year after the annu...

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XCEL Health & Life Insurance PART 1 - Comprehensive Exam Review (Alabama) || Questions and 100% Verified Answers.

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An insurance company may cancel a life insurance policy under which of the following conditions? correct answers The outstanding policy loan exceeds the cash value of the policy Which of the following statements does not describe an element of insurable risk? A. The loss must not be due to cha...

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XCEL HEALTH & LIFE INSURANCE EXTRA PRACTICE - EXAM REVIEW (ALABAMA) || WITH ERRORLESS SOLUTIONS 100%.

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What is the applicant's consideration in an insurance contract? correct answers Premiums At certain ages or dates, an insured can increase the stated benefit (within limits) under their disability income policy, regardless of health. Which policy rider BEST describes this? correct answers Futre ...

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XCEL Health & Life Insurance PART 2 - Comprehensive Exam Review (Alabama) || with Complete Solutions.

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T has Disability Income policy that pays a monthly benefit of $5000. If T becomes partially disabled, what can he likely expect? correct answers Less than $5000 per month benefit regardless of the cause At certain ages, an insured can increase the stated benefit under their disability income poli...

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