Exam (elaborations)
XCEL TESTING SOLUTIONS - CALIFORNIA PRE-LICENSING EDUCATION - LIFE, ACCIDENT 100% CORRECT
- Course
- Institution
XCEL TESTING SOLUTIONS - CALIFORNIA PRE-LICENSING EDUCATION - LIFE, ACCIDENT AND
[Show more]
Content preview
XCEL TESTING SOLUTIONS -CALIFORNIA PRE-LICENSING
EDUCATION - LIFE, ACCIDENT AND
HEALTH INSURANCE
When an insurance company requests an attending physician's report, the request must
be accompanied by a - answer Copy of the signed authorization
Which of the following is NOT a required uniform provision in individual health policies?
- answer Change of occupation
"Life insurance creates an immediate estate". This phrase means - answer When the
insured dies, a death benefit is paid
A person who asserts a right of recovery under an insurance policy is called - answer
Claimant
Before an insurer is allowed to test an individual for HIV, what must be completed? -
answer Consent Form
Jim is the insured on a health insurance policy and holds 2 jobs. If "occupation" is used
to classify the risk, the insurer will most likely classify Jim according to the occupation
that - answer is most hazardous
Under a long-term care insurance policy, adult day care coverage will provide for -
answer part time care at a facility for elderly individuals who live at home
Which of the following is NOT true regarding a family policy that covers children? -
answer Conversion of child's coverage to permanent insurance requires evidence of
insurability
How long is a person expected to be disabled in order to receive Social Security
disability benefits? - answer12 months
Which of the following describes the number of deaths in a year compared to the
number of people in a select group? - answer Mortality rate
Which of the following is NOT required in the content of a policy? - answer Probability of
loss
, Jim is applying to become an insurance agent and has a past misdemeanor conviction
that was later expunged due to California Penal Code 1203.4. Which of the following
statements is correct? - answerJim must still disclose the conviction on his insurance
license application
Which of the following is a life insurance policy that does NOT require a physical exam?
- answerNon-medical
The insurer has the option of terminating a health insurance policy on a date stated in
the contract. What type of policy is this? - answerOptionally renewable
An individual that has 40 quarters of coverage, for Social Security purposes, is
considered to be - answerFully insured
In a life insurance policy, the entire contract consists of the - answerpolicy and attached
application
Which of the following is NOT considered to be an act of insurance solicitation? -
answerPublishing a magazine where one of the advertisers is an insurer
All of the following circumstances must be met for loss retention to be an effective risk
management technique EXCEPT - answerProbability of loss is unknown
The importance of a representation is demonstrated in what rule? - answerMateriality of
concealment
Which word implies permissiveness according to the California Insurance Code? -
answerMay
Medical expense policies will typically cover which of the following? - answerInjuries
caused by accidents
Which of the following is NOT protected under the California Life and Health Guarantee
Association? - answerInsurers
Individuals become eligible for Medicare Part A benefits at what age? - answer65
An agent's attempt to stop the replacement of an existing life insurance policy is known
as - answerconservation
Which of the following is NOT an accurate description of Access for Infants and Mothers
Program (AIM)? - answerOnly women who have private insurance plans with a
maternity-only deductible or copayment greater than $1,500 are eligible
The benefits of buying summaries with Stuvia:
Guaranteed quality through customer reviews
Stuvia customers have reviewed more than 700,000 summaries. This how you know that you are buying the best documents.
Quick and easy check-out
You can quickly pay through credit card or Stuvia-credit for the summaries. There is no membership needed.
Focus on what matters
Your fellow students write the study notes themselves, which is why the documents are always reliable and up-to-date. This ensures you quickly get to the core!
Frequently asked questions
What do I get when I buy this document?
You get a PDF, available immediately after your purchase. The purchased document is accessible anytime, anywhere and indefinitely through your profile.
Satisfaction guarantee: how does it work?
Our satisfaction guarantee ensures that you always find a study document that suits you well. You fill out a form, and our customer service team takes care of the rest.
Who am I buying these notes from?
Stuvia is a marketplace, so you are not buying this document from us, but from seller Dreamer252. Stuvia facilitates payment to the seller.
Will I be stuck with a subscription?
No, you only buy these notes for $12.49. You're not tied to anything after your purchase.
Can Stuvia be trusted?
4.6 stars on Google & Trustpilot (+1000 reviews)
82215 documents were sold in the last 30 days
Founded in 2010, the go-to place to buy study notes for 14 years now