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Insurance Regulation Quiz 7
15問 • 3ヶ月前
  • ユーザ名非公開
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    問題一覧

  • 1

    An insurer devises an intimidation strategy in order to corner a large portion of the insurance market. Which of the following best describes this practice?

    Illegal

  • 2

    If a licensee wants to transact insurance under a different name than then name on the producer's license, which of the following must occur?

    The change must be reported to the Commissioner

  • 3

    After a hearing, if the commissioner finds that a licensee is in violation of the state insurance laws, the Commissioner can do any of the following EXCEPT

    Imprison the licensee

  • 4

    The Commissioner of Insurance is placed in office by which means?

    An appointment by the Governor

  • 5

    Which of the following is NOT considered a misrepresentation as it pertains to unfair trade practices?

    Making comparisons between different policies

  • 6

    All else being equal, which of the following will NOT be considered unfair discrimination by insurers?

    Discriminating in benefits and coverages based on the insured's habits and lifestyle

  • 7

    An insurance company has published a brochure that inaccurately portrays the advantages of a particular Insurance policy. What is this an example of?

    False advertising

  • 8

    State law specifically prohibits using illegal inducements in the marketing of insurance. All of the following would be considered illegal inducements EXCEPT

    Inviting prospective clients to the grand opening of the company's new office

  • 9

    A licensed producer moving to Pennsylvania may become licensed as a resident if the producer submits a completed application within how many days of establishing residents in Pennsylvania with proof of licensing from their prior home state?

    90

  • 10

    Within how many days must a producer response to an inquiry from the Commissioner?

    30 days

  • 11

    All of the following would be considered rebating EXCEPT

    An agent misrepresents policy benefits to convince a policyowner to replace policy owner to replace policies

  • 12

    Which of the following reports will provide the underwriter with the information about an insurance applicant's credit?

    Consumer Report

  • 13

    What was created to keep telemarketers from calling consumers who do not wish to be contacted?

    National Do Not Call Registry

  • 14

    Which of the following criminal activities would be sufficient violation to warrant rejection, revocation, or suspension of an insurance producer's license?

    Forgery

  • 15

    An insurance company assures its new policyholders that they're premium costs will not increase for a period of at least 5 years. However, due to increasing financial strain, they plan to raise premium costs for all insurers by 10% over the next two years. What term best describes this act?

    Fraud

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    問題一覧

  • 1

    An insurer devises an intimidation strategy in order to corner a large portion of the insurance market. Which of the following best describes this practice?

    Illegal

  • 2

    If a licensee wants to transact insurance under a different name than then name on the producer's license, which of the following must occur?

    The change must be reported to the Commissioner

  • 3

    After a hearing, if the commissioner finds that a licensee is in violation of the state insurance laws, the Commissioner can do any of the following EXCEPT

    Imprison the licensee

  • 4

    The Commissioner of Insurance is placed in office by which means?

    An appointment by the Governor

  • 5

    Which of the following is NOT considered a misrepresentation as it pertains to unfair trade practices?

    Making comparisons between different policies

  • 6

    All else being equal, which of the following will NOT be considered unfair discrimination by insurers?

    Discriminating in benefits and coverages based on the insured's habits and lifestyle

  • 7

    An insurance company has published a brochure that inaccurately portrays the advantages of a particular Insurance policy. What is this an example of?

    False advertising

  • 8

    State law specifically prohibits using illegal inducements in the marketing of insurance. All of the following would be considered illegal inducements EXCEPT

    Inviting prospective clients to the grand opening of the company's new office

  • 9

    A licensed producer moving to Pennsylvania may become licensed as a resident if the producer submits a completed application within how many days of establishing residents in Pennsylvania with proof of licensing from their prior home state?

    90

  • 10

    Within how many days must a producer response to an inquiry from the Commissioner?

    30 days

  • 11

    All of the following would be considered rebating EXCEPT

    An agent misrepresents policy benefits to convince a policyowner to replace policy owner to replace policies

  • 12

    Which of the following reports will provide the underwriter with the information about an insurance applicant's credit?

    Consumer Report

  • 13

    What was created to keep telemarketers from calling consumers who do not wish to be contacted?

    National Do Not Call Registry

  • 14

    Which of the following criminal activities would be sufficient violation to warrant rejection, revocation, or suspension of an insurance producer's license?

    Forgery

  • 15

    An insurance company assures its new policyholders that they're premium costs will not increase for a period of at least 5 years. However, due to increasing financial strain, they plan to raise premium costs for all insurers by 10% over the next two years. What term best describes this act?

    Fraud