Missouri Exam Bundle A + Graded 100% Verified Questions and Answers

any transaction which new life insurance or a new annuity is purchased - ANSWER-Replacement is the company that issuse the new policy - ANSWER-Replacing insurer is the company whose policy is being replace - ANSWER-Existing insurer that is signed by both the applicant and the producer a cop...

Residential care facility I - ANSWER-Provides shelter and board and may include storage and distribution of medications Residential care facility II - ANSWER-Provides shelter and board, and includes storage and distribution of medications, supervision of diet, and assistance with personal care; m...

Risk - ANSWER-The chance or uncertainty of loss. Exposure - ANSWER-A condition or situation that presents a possibility of loss. Ways to manage risk - ANSWER-Avoid Risk control risk retain a risk transfer a risk control risk - ANSWER-techniques that limit loss severity come under the hea...

Which of the following types of care is typically not covered in a Long-Term Care policy - ANSWER-Accupuncture S is close to retiring and would like to purchase a policy that will yield greater gains than bonds, but will still protect the principal with minimum level or risk. Which product would ...

Cosmetics in the United States are regulated under this agency - ANSWER-Federal Drug Administration Correct If the skin is not broken following a heat or electrical burn, what is recommended to treat the burned area? - ANSWER-immerse in cool water In the case of a chemical injury to the eye wh...

7 Members. Have to have been a us citizen for 1 year at least. Appointed by the governor with consent of the Missouri senate. 6 members must have been licensed brokers for 10 years. 1 member from general public. - ANSWER-The MREC is made up of All members to vote. Members may hold an inactive lic...

$3.50 - ANSWER-The fee for an Instruction Permit is? 15 years old - ANSWER-The minimum age that a person must be in order to obtain an Instruction Permit is? get off at the next exit and come back to the exit you missed - ANSWER-If you miss your exit from an interstate expressway? you are n...

Chapter 339 of the MO Statutes is: Code of Ethics License Law MLS Rules For commercial agents only - ANSWER-b Susie is employed by broker Joe to show rental properties that he manages. She shows rental units, collects security deposit checks made payable to the owner, and delivers leases. B...

In a Life insurance contract, an insurance company's promise to pay stated benefits is called the: a) insuring clause b) consideration clause c) entire contract d) owner's rights - ANSWER-insuring clause under which circumstance MUST a health insurer have an expedited grievance review proc...

missapproriating resident funds is a - ANSWER-class d felony hospice meets how often - ANSWER-q 2 weeks # members on state board of senior services - ANSWER-7 renewal for waiver is due in how many days - ANSWER-no less than 45 from expiration return funds for discharged residents - ANSWE...

Where is an aural temperature taken? - ANSWER-In the ear Where is an axillary temperature taken? - ANSWER-Armpit The amount of heat in the body is called - ANSWER-Temperature What is bradycardia? - ANSWER-A heart rate less than 60 bpm What is the heart rate? - ANSWER-The number of times ...

director of insurance - ANSWER--chief officer to the department of insurance, financial institutions, and professional registration -appointed by governor with consent of senate and holds office with governor and until successor is appointed power of director of insurance - ANSWER--regulate the ...

Adverse Selection - ANSWER-insuring of risks that are more prone to losses than the average risk agent/producer - ANSWER-legal representative of insurance company producer - ANSWER-includes agents and brokers agent - ANSWER-agent of the insurer applicant - ANSWER-a person applying for in...

Mississippi Period (900-1500) - ANSWER--no written language --lived in major towns near rivers-many theories on what happened Daniel Boone- Early Settler - ANSWER--living in Kentucky and was offered land in minor judge in are in 1799 -many willing to settle in Spanish land bc. of money (free la...

Refers to the location, or jurisdiction, where an insurer is formed or incorporated. - ANSWER-Domicile Which of the following is an insurance company that is organized under the laws of another state within the United States? - ANSWER-Foreign The USA Patriot Act was passed as a result of - AN...

When do we celebrate Independence Day? - ANSWER-July 4 Name two national U.S. holidays - ANSWER-New Years Day and Christmas What is the name of the national anthem? - ANSWER-The Star-Spangled Banner Why does the flag have 50 stars? - ANSWER-The 50 stars represent 50 states Why does the f...

Who approves accreditation of Funeral School Programs? - ANSWER-ABFSE (American Board of Funeral Service Examiners) How long do you have to graduate from accredited mortuary school after application? - ANSWER-5 years Who can receive an emergency 6 month license in the event of a FD death? - AN...

Through Superstar salesperson Sam's efforts at closing, a commission from the seller is paid and a 5,000 bonus from the buyer is also paid. Which of the following statements best applies to the situation? A. Receiving compensation from more then one party at closing is a violation of Missouri lice...

Class 1 Deficiency - ANSWER-present eminent danger to health, safety, and welfare of resident. Corrected immediately Class 2 Deficiency - ANSWER-Direct or immediate relationship to health, safety, or welfare of resident-does not create imminent danger. When should Class 2 violation be correcte...

License renewal - ANSWER-Even years, every 2 years (biennially) Brokers June 30, Salespersons September 30 Continuing Ed - ANSWER-Both brokers and salespersons: 9 hrs. electives + 3 hrs. core Death or incapacity of broker in charge - ANSWER-Business ceases; temporary broker license assigned b...

Preneed Provider Requirements - ANSWER--File application on Board form -Authorized and registered to do business in Missouri -Name and address of custodian of records -Name and address of each seller -File consent authorizing investigation -If a corporation, each officer, director, manager, con...

Q: Do all ATV accidents have to be reported in Statewide Traffic Accident Records System (STARS)? - ANSWER-A: No. However, every law enforcement officer who investigates a vehicle accident resulting in injury to or death of a person, or total property damage to an apparent extent of "five hundred d...

annual medicaid/medicare certification fee - ANSWER-$1000 amount of time to submit application for nursing homes ORIGINAL license - ANSWER-not less than 30 days before opening imminent jeopardy to resident health or safety is a class - ANSWER-1 violation hours of CNA class room training - A...

Bow - ANSWER-Front of the vessel. Stern - ANSWER-Rear of the vessel. Starboard - ANSWER-Right side of the vessel. Port - ANSWER-Left side of the vessel. Hull - ANSWER-Body of the vessel. Gunwale - ANSWER-Upper edge of vessel's side. Cleat - ANSWER-Metal fitting on which a rope can...

BROKEN - ANSWER-_________ LINES may be crossed in a passing maneuver. SOLID - ANSWER-________ LINES should not be crossed in a passing maneuver. YELLOW - ANSWER-___________ divides oncoming traffic. WHITE - ANSWER-_________ divides same-direction traffic OPPOSITE - ANSWER-If the line on ...

Beaus lines - ANSWER-Visible depressions running across the width of the natural nail plate Hangnail - ANSWER-A condition in which the living tissue surrounding the nail plate splits or tears. Eggshell nails - ANSWER-Noticeably thin and more flexible than normal Bruised nails - ANSWER-Condi...

A seller owned two plots of land that combined for a width of 950 ft and a depth of 1800 ft. A creek divided the north plot from the south plot. What is the total acreage of the two plots? - ANSWER-Draw a line to divide rectangle horizontally. Write 950 as width & 1800 ft as depth. Multiple 950 x ...

Tort - ANSWER-A private or civil wrong or injury, other than a breach of contract. Preponderance of evidence - ANSWER-The amount of information needed to decide in favor of a party in a civil suit. It consists of more than fifty percent of the believable evidence in favor of the party's suit or ...

When you approach a railroad crossing without flashing warning signals or crossing gates? a: Cross the tracks as quickly as possible. b: Always stop. c: Yield to all trains at the crossing. d: Speed up to beat the train. - ANSWER-c: Yield to all trains at the crossing. You may pass another ve...

Who has the power to suggest budgets,appoint judges, and influence law-making? - ANSWER-Governor Who has the power to determine the state's budget,set speed limits,and decide funding for schools? - ANSWER-Legislative Providing local police and fire protection would be a function of whom? - AN...

Income - ANSWER-Earnings received as wages, rent, profit, or interest Wages - ANSWER-Payment for work Salary - ANSWER-Payment for work usually calculated in periods of a week or longer, tied to specific duties Discretionary income - ANSWER-Amount of income available for spending after the e...

Title Insurance - ANSWER-Insured statement of the condition of title or ownership of real property. One-time only premium. Named insured and heirs protected against title defects, liens and encumbrances as of the date of policy. Commitment/Binder - ANSWER-A binding contract with a title company t...

Enlightenment, referring to the work of which 17th and 18th century thinkers - ANSWER-Called for the application of research to all aspects of social and political life The pueblo peoples of the southwestern United States shared which of the following cultural characteristics at the time of their...

Which unfair trade practice involves making false statements about the financial condition of another insurance company? - ANSWER-Defamation When must insurable interest exist for a life insurance contract to be valid? - ANSWER-Inception of the contract Which of the following statements about ...

What is the supreme law of the land? - ANSWER-The Constitution What is the form of government in the United States? - ANSWER-Democratic Republic What does the Constitution do? - ANSWER-The Rules and Freedoms in the United States. The idea of self-government is in the first three words of th...

Some rights are for everyone living in the U.S., citizen or not. What is one of those rights? Right to bear arms Freedom of Speech Freedom of Religion All of these - ANSWER-All of these What is one right that is only for U.S. citizens? - ANSWER-Run for federal office Which of the followi...

Automatic coverage for newly acquired items is only provided for 30 days - ANSWER-Which of the following statements about the Personal Jewelry Floater is correct? Personal property carried by travelers - ANSWER-Which of the following types of property are covered by the Personal Effects Floater? ...

n Missouri, the general term usually given to cities and towns is ___________. A. Township B. Town C. County D. Municipality - ANSWER-D. Municipality Which of the following is responsible for managing state revenues and disbursements? A. Treasurer B. Secretary of State C. Auditor D. Gover...

Which of the following ways of specializing is common in the real estate brokerage business? - ANSWER-By type of property Which of the following is included in the legal concept of land? - ANSWER-A lake A property abuts a non-navigable stream. What does the owner own? - ANSWER-Underlying land ...