Adjustable life - Study guides, Class notes & Summaries
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Arizona Life Insurance Exam Questions and Answers (Latest Update 2023) Verified Answers
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Arizona Life Insurance Exam 
Questions and Answers 
(Latest Update 2023) 
Verified Answers 
a whole life policy that provides a choice of dividend options include the 
following statement about dividends they accrue at a guaranteed rate 
they are deferred for one year they are not guaranteed they are guaranteed 
after the first year - Correct Answers they are not guaranteed 
When there is a named beneficiary on a life insurance policy, the death 
benefits 
1. are directed to a trustee ...
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CHAMPIONS REAL ESTATE FINANCE GRADED A+ ALREADY PASSED 2023
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Loan-to-Value Ratio (LTV) - correct answer The percentage of the lesser of the appraised value or sales price that the lender will lend. 
 
ex: If a borrower is approved for an 80% loan, it means that the lender will loan up to 80% of the sales price or appraised value, whichever is lower. 
 
Package Mortgage - correct answer Includes both real and personal property ( fixtures and furnishings) 
 
Blanket Mortgage - correct answer Covers more than one piece of property. 
 
Wraparound Mortgage - c...
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Primerica Life Insurance Exam: 2023/ 2024 New Update (Questions and 100% Verified Answers)
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Primerica Life Insurance Exam: 2023/ 2024 
New Update (Questions and 100% Verified 
Answers) 
1. A married couple owns a permanent policy which covers both of their lives and pays the 
benefit only upon the death of the first insured. Which policy is that? 
A. Survivorship Life Policy 
B. Second-to-Die 
C. Family income policy 
D. Joint life policy 
 Answer: D. Joint life policy 
 
 
 
 
 
2. An annuity owner is funding an annuity that will supplement her retirement. Because she 
does not...
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Missouri Life and Health Exam Questions and Answers 100% Pass
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Missouri Life and Health Exam Questions and Answers 100% Pass 
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 insuring clause 
under which circumstance MUST a health insurer have an expedited grievance review procedure? when the enrollee's life or health is jeapordized 
The Consideration clause in a life insurance contract contains what pertinent information? ...
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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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Washington Life and Health (Disability) Questions and Answers Latest Update Graded A+
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Washington Life and Health (Disability) 
Questions and Answers Latest Update 
 
Graded A+ 
 
An insurer authorized to do business within this state is considered what type of insurer? 
 
A 
Alien 
B 
Domestic 
C 
Foreign 
D 
 
Admitted D-Admitted 
 
An insurer authorized to do business in this state is referred to as admitted, and could be either 
domestic, foreign, or alien domiciled. 
 
A long-term care policy can exclude from coverage all of the following, except: 
 
Hospitalization (acute ca...
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Nevada Life & Health Insurance Exam Questions and Answers 100% Pass
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Nevada Life & Health Insurance Exam 
Questions and Answers 100% Pass 
term insurance - Answer- temporary protection because it only provides coverage for a 
specific period of time 
face amount - Answer- death benefit 
3 basic types of term coverage - Answer- level, increasing, decreasing 
- based on how the face amount changes during the policy term 
What is the premium in term insurance? - Answer- regardless of type of term insurance 
purchased, premium is level throughout the term of policy 
...
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TN Life Insurance Exam Review (Questions) 100% Solved
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TN Life Insurance Exam Review (Questions) 100% Solved 
Correct answers are highlighted in yellow and appear at the bottom of the choices. 
Term life insurance shall never provide: 
a. death protection 
b. low premiums 
c. temporary protection 
d. a living benefit d. a living benefit 
The premium paid on whole life would be ___________ at the age 25 than age 75: 
a. more 
b. less 
c. same 
d. twice the rate c. same 
If the insured lives to age 100 on a whole life coverage, the cash value would be...
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Florida 4-Hour Traffic School Exam Answers
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Driving a motor vehicle requires many coordinated functions which are __________ impacted by alcohol and other drugs. 
 
1) Positively 
2) Not 
3) Adversely correct answer: Adversely 
 
About _____ in every 10 Americans will be involved in an alcohol related crash at some time or another in their life. 
 
1) 1 
2) 3 
3) 6 correct answer: 3 
 
When traveling, you should adjust your driving speed to take into consideration the surroundings you are driving through. 
 
1) True 
2) False correct an...
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NC Life insurance state exam study guideline With Latest
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NC Life insurance state exam study guideline 
With Latest 
Term Insurance - answerUsed for Temporary Situations. Net cost highest in the long run. 
Premiums goes up every year based on current (attained)age. 
Term Insurance - answerExpire's at a certain age/Time in the future. May be renewable up 
to a certain age or date with out a phyical Exam. 
Level Term Insurance - answerTerm insurance can be Renewed annually. Has a level Face 
Amount at renewal, Premiums goes up. Can be purchased for a Ye...
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New York Life Insurance Exam Questions and Answers 100% Correct
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New York Life Insurance Exam Questions and Answers 100% CorrectNew York Life Insurance Exam Questions and Answers 100% CorrectAccelerated Benefits - ANSWER-Riders attached to life insurance policies which allow death benefits to be used to cover nursing or convalescent home expenses. 
 
Accidental Death Benefits - ANSWER-A policy rider that states that the cause of death will be analyzed to determine if it complies with the policy description of accidental death. 
 
Accidental Death Insurance - ...
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Ohio Life, Accident & Health Insurance Exam Questions And Answers | Rated 100% Correct!!
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What type of policy is typically issued without proof of insurability from the insured? - Answer-Group 
policy 
A whole life policy that requires that the Policyowner only pays premiums for a specified number of 
years is known as what type of policy? - Answer-Limited-pay whole life 
Who is entitled to the cash values in an insurance policy? - Answer-The Policyowner 
An insured receives a monthly summary for his life insurance policy. He notices that the cash value of the 
policy is significantl...
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