Insurance Regulation Quiz 6

通報

問題一覧

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

For how long must a company maintain a complete file of all advertisements used?

At least 4 years

Prior to license renewal, all insurance producers must successfully complete how many hours of continuing education?

24 credit hours

Once it has been reasonably proven that a person has knowingly violated the Insurance Code regarding unfair methods of competition , the Department may pose a civil penalty of

$5,000 for each violation

Which of the following is NOT correct regarding false statements by a person engaged in the business of insurance?

Only written statements can be considered fraud

The term "fiduciary capacity" refers to a producer's

Position of financial trust to clients and insurance company

Which of the following would NOT be considered and exception to the National Do Not Call List?

Calls from outside of the United States

A producer licensed in Pennsylvania must notify the Insurance Dpeartment of any change of address in their address within how many days?

All of the following actions can be described as twisting EXCEPT

Explaining to a client the advantages of permanent insurance over term and suggesting changing policies

With regards to premium rates, which of the following statements is NOT true?

The Commissioner sets all insurance premium rates used in Pennsylvania

According to the telemarketing sales rules, what are the permissible calling hours for telemarketing calls?

8 a.m. until 9 p.m.

Which type of misrepresentation persuades and insured, to their detriment, to cancel, lapse, or switch policies from one to another?

Twisting

Two individuals are in the same risk and age class; yet, they are charged different rates for their insurance policies due to an insignificant factor. What is this called?

Discrimination

Within how many days of requesting an investigative consumer report must an insurer notify the consumer in writing that the reports will be obtained?

3 days

A producer has sold an Insurance policy. Subsequently, his license was suspended. In this case, how much of the commission will the producer receive?

All

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