Annuity certain - Study guides, Class notes & Summaries
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Texas Life and Health Insurance Exam (question and answers) 2022/2023
- Exam (elaborations) • 19 pages • 2022
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At what point must a life insurance applicant be informed of their rights that fall under the Fair Credit Reporting Act? - ANSWER Upon completion of the application 
 
Who elects the governing body of a mutual insurance company? - ANSWER policyholders 
 
An insurance applicant MUST be informed of an investigation regarding his/her reputation and character according to the - ANSWER Fair Credit Reporting Act 
 
What type of reinsurance contract involves two companies automatically sharing their ri...
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Annuity – WebCE Exam 2023 Questions with Verified Answers
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Annuitization is - Answer- Accumulated values are converted into a stream of periodic income payments. 
 
How often can payments of annuities be paid out? - Answer- A specified term of years, for life, or a combination of the two. 
 
What is the reason (how has a consumer's priorities and needs shifted) that annuities are well suited for late-life retirement planning? - Answer- When a consumer priorities and needs typically shift from asset accumulation to income distribution 
 
What is the sta...
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WA Life and Disability Producer Combo Questions with Verified Solutions
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WA Life and Disability Producer Combo 
Questions with Verified Solutions 
 
If a company provides group disability insurance to its employees, which of the following may 
be tax deductible? The premiums paid by the company as a business expense 
 
Which provides benefits for expenses incurred as a result of in-hospital medical treatment and 
surgery as well as certain outpatient expenses such as doctor's visits, laboratory tests, and 
diagnostic services? Hospitalization insurance 
 
Compared t...
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New York Insurance Laws Questions and Answers Rated A
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New York Insurance Laws Questions and 
Answers Rated A 
The time limit on certain defenses under individual health policies in New York is: 
A 
20 days 
B 
3 years 
C 
90 days 
D 
2 years - Answer ️️ -D 
2 years 
The Superintendent may examine the books and records of any insurer based on the: 
A 
Permission of a producer 
B 
Authority granted by the state 
C 
Authority granted by the Secretary of State 
D 
Permission of the insurer - Answer ️️ -B 
Authority granted by the state 
If a li...
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Life and Health Insurance Exam (Missouri) with Verified Solutions
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Life and Health Insurance Exam (Missouri) with Verified Solutions 
Insurance policies are considered aleatory contracts because: 
1)they are take it or leave it contracts 
2)both parties consent to the contract 
3)performance is conditioned upon a future occurence 4)the contract is voidable upon proof of fraud Performance is conditioned upon a future occurence, because there is an element of chance and potential for unequal exchange of value 
K failed to pay a renewal premium within the time gra...
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Xcel Testing Solutions, Life and Health Insurance Exam Questions With Answers Latest 2023-2024 Graded A+
- Exam (elaborations) • 24 pages • 2023
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Barbara's policy includes a rider which allows her to purchase additional insurance at specific 
dates or events without evidence of insurability. This rider is called a(n) 
Answers>>Guaranteed insurability rider 
A guaranteed insurability rider allows for the insured to purchase additional insurance at 
specific dates or events without evidence of insurability. 
Disability Income plans which require that the insurer can NEVER change or alter premium rates 
are usually considered Answers&...
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PSI Life Exam Questions and Answers 2022/2023
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What kind of retirement plan can a 75-employee for profit corporation establish? - ANSWER-Simple IRA 
 
The taxable portion of a monthly income benefit paid during the annuity phase from a nonqualified annuity is calculated using the - ANSWER-Exclusion ratio 
 
Unfair claims settlement methods and practices by an insurance company include all of the following acts EXCEPT - ANSWER-failure to pay all claims that are reported within 90 days after a loss occurs 
 
The settlement option that allows p...
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FInal Exam: California Life, Accident, and Health Insurance 2023 Complete Task Already Rated 5 Stars
- Exam (elaborations) • 5 pages • 2023
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What distinguishes a deferred annuity from an immediate annuity? - The time at which benefit payments start 
Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly payments for 5 years, Cindy dies. How many remaining payments will the insurer make to her beneficiary? - 60 payments
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Florida Health 240 Insurance with 100% correct answers
- Exam (elaborations) • 22 pages • 2023
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Rules of Construction 
Help to identify and establish the intent of the parties to the contract 
 
 
 
Utmost good faith 
Each party is entitled to rely on the representation of the other, and each party should have a reasonable expectation that the other is acting in good faith without attempts to conceal or deceive. 
 
 
 
Aleatory Contract 
A contract under which one party's performance is contingent on an uncertain event. 
 
 
 
property and casualty agent 
has the power to bind the insurer...
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XCEL Ohio Proctor Questions and Answers Graded A+
- Exam (elaborations) • 31 pages • 2023
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XCEL Ohio Proctor Questions and Answers Graded A+ Under a Modified Endowment Contract, what are the likely tax consequences? •Pre-death distributions will become taxable 
To receive proceeds from a death benefit, a minor •must have an appointed guardian 
Under a Modified Endowment Contract, what are the likely tax consequences? Pre-death distributions will become taxable 
To receive proceeds from a death benefit, a minor must have an appointed guardian 
A provision that allows a policyowner ...
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