Indemnity plans Study guides, Class notes & Summaries
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Xcel Life Insurance Exam
- Exam (elaborations) • 21 pages • 2024
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Xcel Life Insurance Exam 
 
Replacement regulation is designed to protect - Policyowners from mirepresentation and loss 
of benefits 
 
All Health Benefit Plans issued after January 1, 2014 must provide - Preventative health 
services 
 
Which of these will have the highest monthly payout upon annuitization - Straight life 
 
Which of the following is included in the entire contract according ti the entire contract 
provison? - Clauses 
 
Which of the following is considered to be an alternative...
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California Life, Accident, and Health Insurance Final Exam /180 Questions with complete answers
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What is an insurance solicitor authorized to do? - Help an agent or broker sell insurance 
According to the California Insurance Code, what is "insurance"? - A contract 
What does a Hospital Confinement indemnity policy pay for? - Pay a specified daily amount while the insured is confined to a hospital 
According to the California Insurance Code, how is the word "may" interpreted? - Permissive 
Which statement is CORRECT when describing a contract of adhesion? - Contract may be accepted or r...
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Michigan Accident and Health Questions and Answers Already Graded A
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Michigan Accident and Health Questions 
 
and Answers Already Graded A 
 
What process determines group rates by using a preset table that deals with the demographic 
makeup of the group community rating 
 
An insurer may exclude or limit coverage for conditions for which medical advice or treatment 
was recommended before enrollment for no more than 12 months 
 
What type of policy provides income during recuperation at home from disabling illness 
disability income 
 
Which plan is most likely...
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Medical billing and coding latest version graded A+
- Exam (elaborations) • 38 pages • 2024
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Medical billing and coding latest version 
 
graded A+ 
 
Medical Insurance Financial plan (the payer) that covers the cost of hospital and medical 
care 
 
Policyholder Person who buys an insurance plan; the insured, subscriber, or guarantor 
 
Health Plan Individual or group plan that provides or pays for the cost of medical care 
 
Benefits What a health plan pays for services covered in an insurance policy; listed in the 
schedule of benefits. 
 
Medical Necessity Reasonable services of prov...
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OKLAHOMA INSURANCE EXAM QUESTIONS & ANSWERS SCORED A+ TO PASS
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A business offers a group disability income plan and pays the premiums. If an employee suffers a 
disabling injury, the benefits paid to the employee will be: - Answer-axable income to the business 
deductible income to the employee 
a deductible business expense for the business 
taxable income to the employee 
A business overhead expense policy does NOT provide: - Answer-tax-free benefits 
a Medicare SELECT plan is - Answer-a managed care policy. 
A Medicare SELECT plan is a - Answer-managed c...
Too much month left at the end of the money?
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California Life, Accident, and Health Licensing Exam Questions and Answers 100% Pass
- Exam (elaborations) • 25 pages • 2024
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California Life, Accident, and Health Licensing 
Exam Questions and Answers 100% Pass 
Co-insurance - Correct Answer ️️ -The policy provision which requires the insurer and 
the insured to share in the cost of services rendered 
Exclusion ratio - Correct Answer ️️ -The formula which is used by the IRS to determine 
how much is taxable to an annuitant during the pay out period. 
Occupational policy - Correct Answer ️️ -When a disability income policy provides 
coverage for injuries wh...
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ARIZONA LIFE AND HEALTH INSURANCE STATE EXAM 2024
- Exam (elaborations) • 14 pages • 2024
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ARIZONA LIFE AND HEALTH INSURANCE STATE EXAM 2024 
 
 
Which statement regarding the cash value of a whole life insurance policy is correct? - correct answer Available to the policyowner when the policy has been surrendered. 
 
Which of the following is NOT a valid contract exchange? - correct answer An annuity exchanged fora . life insurance policy. 
 
Interest is credited to a fixed annuity no lower than the - correct answer contract guaranteed rate 
 
Under the uniform mandatory provisions,...
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California Life, Accident, and Health Licensing Exam Guide Questions and Answers Graded A 2024
- Exam (elaborations) • 16 pages • 2024
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Co-insurance - The policy provision which requires the insurer and the insured to share in the cost of services rendered 
 
Exclusion ratio - The formula which is used by the IRS to determine how much is taxable to an annuitant during the pay out period. 
 
Occupational policy - When a disability income policy provides coverage for injuries which occur on and off the job 
 
Most disability income policies are non occupational, meaning - They only cover the insured if they become disabled while a...
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FACHE WK 3&4 Finance Study Questions 2023 – 2024 Updated Solution
- Exam (elaborations) • 11 pages • 2023
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FACHE WK 3&4 Finance Study Questions 2023 – 2024 Updated Solution 
 
 
Depreciation expense that is calculated in accordance with GAAP using the straight-line method is obtained by: 
a. Dividing the historical cost of the asset by the number of years of its estimated useful life. 
b. Dividing the historical cost of the asset by the annual cost of maintaining the asset. 
c. Dividing the present-day value of the asset by the number of years of its estimated useful life. 
d. Dividing the histori...
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RMI 2101 Topic 11 with Complete Solutions
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RMI 2101 Topic 11 with Complete 
 
Solutions 
 
Issues of employer provided healthcare benefits High cost of health care 
-High cost of inflation compared to overall rate of inflation 
-High premiums for employers 
-High costs for governments 
High % of uninsured or underinsured patients 
-Access problem 
-45 million uninsured pre Obama Care 
 
Indemnity Plans Old School Plan 
Covers room cost of hospital, surgeon's fees, and follow-up visits 
 
Gaps in Indemnity Plans Non-hospital based expend...
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