Insurance Regulation Quiz 90

通報

問題一覧

What is the maximum penalty for habitual willful noncompliance with the Fair Credit Reporting Act?

$2,500

Forcing a client to buy insurance from a particular lender as a condition of granting a loan is defined as

Coercion

Which of the following is TRUE regarding TRIA?

It is a temporary federal program for insured terrorism losses

Which of the following statements is INCORRECT?

A licensee is barred from charging a fee in addition to a commission to a person for the sale, solicitation or negotiation of a contract of insurance for commercial business

Producers are responsible to collect and disperse premiums, and return premiums or other funds. Which insurance term is associated with this?

Fiduciary capacity

All of the following are unfair claims settlement practices EXCEPT

Suggesting negotiations in settling the claim

Insurers are required to keep records. When may the Department examine these records?

At any time

When a producer was reviewing a potential customer's coverage written by another company, the producer made several remarks that were maliciously critical of that other issue.The producer could be guilty of

Defamation

Insurance producers that do not have company appointments are considered a/an

Representative of the consumer

If an insurer terminates a producer's appointment, the Commissioner must be notified within how many days?

Which of the following includes information regarding a person's credit, character, reputation, and habits?

Consumer report

It would be considered unfair discrimination to ask an insurance applicant about which of the following and then use that information as a rating factor to determine insurability?

Sexual orientation

In which of the following situations is it legal to limit coverage based on marital status?

It is never legal to limit coverage based on marital status

Which of the following licensees is classified as a representative of the insurance company and not allowed to represent an insured or claimant?

Producer

In which of the following situations would punishment include imprisonment?

Omission of a material fact with intent to embezzle funds

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