Insurance allows - Study guides, Class notes & Summaries
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Xcel Testing Solutions- Life and Health Insurance- Weighted Exam- 150 ACTUAL EXAM 500 QUESTIONS AND CORRECT ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+
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Xcel Testing Solutions- Life and Health 
Insurance- Weighted Exam- 150 ACTUAL 
EXAM 500 QUESTIONS AND CORRECT 
ANSWERS (VERIFIED ANSWERS) |ALREADY 
GRADED A+ 
The Do Not Call Registry offers exemptions for calls placed from all of the 
following EXCEPT - CORRECT ANSWER insurance sales calls 
Charities, political organizations, and surveys are all offered exemptions from The 
Do Not Call Registry 
The type of policy where the insurer can send a notice to the insured that the 
policy has be...
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LA Life, Health & Accident Insurance Series 103 Practice Exam Questions and Answers Already Passed
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LA Life, Health & Accident Insurance Series 103 Practice Exam Questions and Answers Already Passed 
Under which situation must insurable interest exist between the applicant and insured at the time of application? When a third-party applicant names themselves beneficiary. 
Which of the following is true about a decreasing term life policy? The face amount reaches zero at policy expiration. 
Which of the following occurs immediately after the application is submitted and the initial premium paid?...
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South Carolina Insurance Exam Questions and Answers Already Passed
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South Carolina Insurance Exam 
Questions and Answers Already Passed 
 
An insurer is REQUIRED to offer which of the following to each long-term care applicant at the 
time of purchase? Inflation protection 
 
Which of these riders will pay a death benefit if the insured's spouse dies? Family term 
insurance rider 
 
Disability income plans which require that the insurer can NEVER change or alter premium rates 
are usually considered Nonconcellable 
 
What is the required action to be taken by a...
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AZ Life Insurance Exam (Latest 2024/ 2025 Update) Questions and Verified Answers| 100% Correct| Grade A
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AZ Life Insurance Exam (Latest 2024/ 2025 Update) Questions and Verified Answers| 100% Correct| Grade A 
 
Q: A life policy that has premiums that are lower than normal during the early years is called 
 Decreasing term 
 Modified life 
 Variable life 
 Limited-pay life 
 
 
Answer: 
Modified life 
 
 
Q: a material change in a modified endowment contract (MEC) results in 
the contract becoming void 
a new contestable period 
the seven pay test, adjustable for cash value, applies again 
a tax ...
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SC Property, Casualty, Surety, Marine Exam Questions & Answers 100% Answered!!
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Accumulated Depreciation - ANSWERSThe total decrease in an item's value over a period of time. Formula:(Annual Depreciation x Number ofyears used) 1-J 
 
Acreage Reporting Date - ANSWERSThe deadline for providing the insurer with an acreage report, which is used to determine the amount of coverage needed and the premium charged for a particular crop. 3-E 
 
Actual Cash Value (ACV) - ANSWERSA valuation method used by insurers to reflect an item's current market value right before being damaged ...
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Utah Health and Life Insurance Exam Questions and Answers Already Passed
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Utah Health and Life Insurance Exam 
Questions and Answers Already Passed 
 
Under a Modified Endowment Contract, what are the likely tax consequences? Pre Death 
Distributions will become taxable 
 
Kathy's annuity is currently experiencing tax-deferred growth until she retires. Which phase is 
this annuity in? Accumulation period 
 
If threats or force is used to affect an insurance transaction, the unfair trade practice of 
_________ has been committed. Coercion 
 
A whole life policy option...
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MS Life and Health Insurance Test Correct Questions & Answers (Graded A)
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MS Life and Health Insurance Test Correct Questions & Answers (Graded A)MS Life and Health Insurance Test Correct Questions & Answers (Graded A)MS Life and Health Insurance Test Correct Questions & Answers (Graded A)MS Life and Health Insurance Test Correct Questions & Answers (Graded A) 
 
Which of these do NOT constitute policy delivery? - ANSWER Policy issued with a rating 
 
Which of these types of life insurance allows the policyowner to have level premiums and to also choose from a selecti...
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AIDA 182 (Latest 2023/ 2024 Update) Risk and Insurance Analysis Techniques Exam | Questions and Verified Answers| 100% Correct| Grade A
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AIDA 182 (Latest 2023/ 2024 Update) Risk and Insurance Analysis Techniques Exam | Questions and Verified Answers| 100% Correct| Grade A 
 
Q: What is true of diversifiable versus non-diversifiable risk? 
 
 
Answer: 
Diversifiable risks are not correlated and can be managed through diversification or spread of risk. 
 
 
 
Q: A company's fleet of cars is worrying the managers liquidity of the company and fuel prices having an adverse effect is which type of risk quadrant? 
 
 
Answer: 
Financia...
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WI Life Insurance Exam Questions and Answers Already Passed
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WI Life Insurance Exam Questions and 
 
Answers Already Passed 
 
What is the purpose of the Wisconsin State Life Insurance Fund? 
 
a) to offer low-cost life insurance to state residents 
b) To protect insured against insolvent insurers 
c) To advertise different types of life insurance policies available in the state 
d) To provide life insurance through licensed intermediaries a 
 
An employee is insured under her employer's group life plan. If she terminates her group 
coverage, which of th...
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AINS 101 - Increasing Your Insurance IQ Test with Verified Answers | Latest 2024/2025
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Which of the following represents uncertainty about outcomes that can be 
negative or positive? ️ Risk 
The primary role of insurance is to ️ Indemnify individuals and 
organizations for covered losses. 
The insurance agent suggested that Sally's Snack Shop buy a policy that 
combines property, crime, and liability coverage into one policy. This is 
referred to as as a(n) ️ Commercial package policy (CPP) 
Coverage for money and other business property from various causes of 
loss such as...
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