Proscholar

The insurer's duty to defend the insured, as provided by Section II of a Homeowners policy, ends: A) When the insured admits they were negligent B) When the damages awarded against the insured exhaust the personal liability limit C) If the insured becomes bankrupt or insolvent D) If the claim is groundless correct answers When the damages awarded against the insured exhaust the personal liability limit Reasoning: Once the Coverage E limit is exhausted by the payment of damages for bodi...

All of the following are true of Coverage B - Other Structures correct answers The amount of coverage provided by Coverage B is an amount equal to 10% of Coverage A, An example of an other structure would be a detached garage, This coverage is not applicable on the HO-4 policy form. Homeowners policies automatically provide an amount of insurance in Coverage B that is correct answers equal to 10% of the amount written as Coverage A. This amount may be increased by endorsement. An insured i...

CONTRACTS - Aleatory Contract correct answers A contract in which the performance of either party's obligation depends on an uncertain event INSURANCE - Benchmark Rate(s) correct answers The rate set annually by the Commissioner of Insurance by line, relative to which the flexibility bands and statutory rate limitations apply. INSURANCE - Churning correct answers Can occur when an agent persuades a consumer to borrow against an existing life insurance policy to pay the premium on a new on...

in Louisiana, the insurance commissioner is elected for a term of correct answers 4 years Every insurer doing business in Louisiana must be examined at least once every correct answers 5 years An applicant for a resident insurance producer license in Louisiana must be at least correct answers 18 years old A resident producer who moves from Louisiana to another state must file a change of address and provide certification from the new resident state within how many days of the change of ...

Depreciation correct answers reduction in value, particularly due to wear and tear Earned premium correct answers the portion of premium paid in advance that now belongs to the insurer because it applies to the elapsed part of the policy Exposure units correct answers used as a measure of the rating units or the premium base of a risk (exposure units multiplied by the rate results in the premium) Homogeneity correct answers the degree to which items are similar Implied warranty corre...

Osteogenesis imperfecta correct answers Genes: COL1A1 (ch17; more severe pheno w/mutn b/c there are 2 alpha strands vs. 1 beta strand), COL1A2 (ch7), form protein triple helix Type I -- AD, mild, blue sclera, brittle bones, no deformity collagen: normal quality, AMOUNT is reduced Type II: AD, neonatal lethal, abnormal collagen Type III: AD, progressive deforming, fractures at birth, small, blue sclera Type IV: AD, normal sclera, mild/mod bone deformity, short stature, fractures Alzheimer...

Advanced Empathy correct answers Used to go below the surface of a conversation Reflection of things not directly stated Includes reframing and interpretation confrontation correct answers Asking the client to see things differently Use it for the client's advantage Rogerian Counseling: Person-First Counseling correct answers Unconditional positive regard Be genuine Show empathy, warmth, and caring Be calm Therapeutic alliance/ dignity and respect Empathy Collaboration Positive...

A woman is seen for genetic counseling because her three-year-old son was recently diagnosed with Duchene's Muscular Dystrophy. She is feeling very guilty about the diagnosis and the fact that she passed along this disease to her son. Her son's physician has referred her to see a cardiologist on numerous occasions but she has not kept the scheduled appointments. What is the best approach to take with this patient to encourage her to see a cardiologist? A) Tell her that she is being irrespon...

T13 correct answers Nondisjunction; 1 in 12,000 SGA, MCA: hypotelorism, CLP, heart, brain and kidney defects RR is 1% T18 correct answers Nondisjunction; 1 in 6,000 SGA, MCA: prominent occiput, tightly clenched fingers, heart and brain defects Choroid plexus cyst on u/s RR is 1% T21 correct answers MATERNAL nondisjunction (90%); 5% translocation 21;**usually 14**; 2% mosaic T21 1 in 800 Hypotonic, heart (50%) and GI defects common Mild to moderate ID Immunodeficiency, leukemia com...