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TX GENERAL LINES LIFE, ACCIDENT AND HEALTH EXAM PREP/ 151 Q&A. Terms like: After Todd was injured in a car crash, he received occupational they to help him return to work. His disability income policy paid for this therapy because it had - Answer: A reh$9.69
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TX GENERAL LINES LIFE, ACCIDENT AND HEALTH EXAM PREP/ 151 Q&A. Terms like: After Todd was injured in a car crash, he received occupational they to help him return to work. His disability income policy paid for this therapy because it had - Answer: A reh
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TX GENERAL LINES LIFE, ACCIDENT AND HEALTH
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TX GENERAL LINES LIFE, ACCIDENT AND HEALTH
TX GENERAL LINES LIFE, ACCIDENT AND HEALTH EXAM PREP/ 151 Q&A. Terms like:
After Todd was injured in a car crash, he received occupational they to help him return to work. His disability income policy paid for this therapy because it had - Answer: A rehabilitation provision
If a small employ...
TX GENERAL LINES LIFE, ACCIDENT AND
HEALTH EXAM PREP/ 151 Q&A.
After Todd was injured in a car crash, he received occupational they to help him return to work.
His disability income policy paid for this therapy because it had - Answer: A rehabilitation
provision
If a small employer insurance decides to terminate all small employer health benefits plans it
issues in TEXAS, it must notify the TEXAS commissioner and all affected employer of its intent to
do so at least - Answer: At least 180 days before it ends coverage
Contract characteristics is unique to insurance contracts but NOT all contracts - Answer:
Unilateral
When first meeting prospective insurance applicants, a producer must give them a document
that explains the general features, benefits, and condition of type of insurance being
considered. Which is called a - Answer: Buyer's Guide
Page 1 of 23
,Abby, who life in New York she is a licensed life insurance agent , wants to apply fo a
nonresident license in Texas. To do so, she must submit which of the following to TDI - Answer:
An aplicación, few and letter of certification from her home state
Amanda used a basic illustration to help Mark. a potencial cliente, de understand how the cash
value of his life insurance policy would grow. Mark then agreed to buy the policy. Which of the
following best describes Amanda's duties which respect to delivering a copy of the illustration
used - Answer: Amanda must deliver a signed copy ilustración to both Mark and the insurer
With respect to the transfer-for-value rule, which of the following situations would result in the
new owner being subject to tax on the policy's gain upon the insured's death - Answer: Policy is
sold by the insured to neighborhood in exchange for cash
Which of the following describes the options available with a universal life insurance policy the
owner no longer wishes to maintain - Answer: Surrender the policy for its cash value or let the
policy continue without premium until the cash value can no longer cover monthly deductions
A section 125 cafeteria plan may cover which of these expenses - Answer: Health insurance
premiums
An insurance producer tells a life insurance applicant that he has the authority to waive the
medical exam that is normally required by the insurer with every application. The insurer may
be required to accept the application without a medical exam due to the producers: - Answer:
Apparent authority
A long-term care rider on a life insurance policy will pay benefits if the insured is diagnosed as
chronically ill due to which of the following? - Answer: Either a medical or cognitive (mental
health) reason
Page 2 of 23
, Which federal law group health plans and protects their enrollees - Answer: A
What type of state regulation gives a person in poor health or with a pre-existing condition the
opportunity to buy health insurance - Answer: Guaranteed issue
With certain limitations a policyowner may change all of the following in a life insurance policy,
EXCEPT: - Answer: The incontestability provision
With certain limitations, a policyowner may change all of the following in a life insurance policy,
EXCEPT: - Answer: A
Health insurance coverage under COBRA, HIPAA guarantees that the person will - Answer: Have
Acces to a guaranteed-issue individual health policy, regardless of health
All the following statements about ordinary (or straight) whole life insurance are correct -
Answer: The cash value remains level throughout the life of the policy
Which activity in NOT an error or omission that makes an agent or producer legally to both the
insurance and the insure - Answer: Placing insurance with an approved surplus line insurer
All the following statements about the taxation of annuities are correct EXEPT: - Answer:
Qualified annuities are taxes no different than no qualified annuities
Which of the following statements about utmost good faith in insurance is correct - Answer:
Both the insurance and the insurer must act in utmost good faith
Which annuity settlement option pays income for the annuitant's life, but no less than for a
specified number of year - Answer: Life income with period certain
Page 3 of 23
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