Financial Advisor Trad Exam 2 | 暗記メーカー

暗記メーカー

Financial Advisor Trad Exam 2

20問 • 1年前

問題一覧

1

According to insurance law, a common-law spouse cannot be designated a beneficiary

if his/her legal partner is still living and the previous marriage has not been legally dissolved

2

Policy reserves are future obligations on the part of

the Insurance Company

3

Which one of the following provisions in a permanent life insurance policy may lapse for non- payment of premium?

Automatic Premium Loan

4

A policyholder may obtain money from the insurance company and still remain insured by

taking a policy loan

5

When you bought an insurance policy on your wife’s life, you were 27 and she was 26, but you stated that you were 26 and she was 27. Five years later your wife died. The insurance company will pay

the face amount adjusted for misstatement of age

6

If a policy did not contain the name of a beneficiary, the beneficiary will be

the insured’s estate

7

If a policyowner whose wife is the irrevocable beneficiary wishes to cash in his policy, he must

have the wife’s consent

8

If a policy with the accidental death rider becomes paid-up,

the accidental death rider ceases

9

An annuity plan

is a purchase of income

10

The person who purchases the annuity plan is called the

annuitant

11

All of the following statements regarding a life insurance application are correct except,

statements made on the applications are warranties

12

Prior to granting a license, the IC requires proof of

all of the above

13

The IC has the power to adjudicate insurance claims against insurance companies for any single claim not exceeding

P5,000,000

14

For life insurance coverage to be valid, insurable interest must exist

only at the inception of the policy

15

In the case of life insurance, a sale is considered completed if the application is signed and payment of the first premium is made by the applicant. For the sale to be considered completed

payment of the first premium has to be made by the applicant in full or in part, as specified. One of the acceptable methods of settlement is by cash or check in part, with a note for the balance

16

An automatic premium loan differs from the other policy loans in that an automatic premium loan

goes into effect requiring no separate action from the policyowner

17

The typical grace period provision in a life insurance policy obliges the life insurance company ton

one of the above

18

When a policy is assigned absolutely

the assignee acquires all the rights and interests of the original policyholder

19

If a policyowner does not pay a premium on the due date, the policy will immediately

continue in full force for a period of grace

20

If a loan is taken on a participating policy, dividends for that policy while there is a loan against the policy will be

unaffected

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問題一覧

1

According to insurance law, a common-law spouse cannot be designated a beneficiary

if his/her legal partner is still living and the previous marriage has not been legally dissolved

2

Policy reserves are future obligations on the part of

the Insurance Company

3

Which one of the following provisions in a permanent life insurance policy may lapse for non- payment of premium?

Automatic Premium Loan

4

A policyholder may obtain money from the insurance company and still remain insured by

taking a policy loan

5

When you bought an insurance policy on your wife’s life, you were 27 and she was 26, but you stated that you were 26 and she was 27. Five years later your wife died. The insurance company will pay

the face amount adjusted for misstatement of age

6

If a policy did not contain the name of a beneficiary, the beneficiary will be

the insured’s estate

7

If a policyowner whose wife is the irrevocable beneficiary wishes to cash in his policy, he must

have the wife’s consent

8

If a policy with the accidental death rider becomes paid-up,

the accidental death rider ceases

9

An annuity plan

is a purchase of income

10

The person who purchases the annuity plan is called the

annuitant

11

All of the following statements regarding a life insurance application are correct except,

statements made on the applications are warranties

12

Prior to granting a license, the IC requires proof of

all of the above

13

The IC has the power to adjudicate insurance claims against insurance companies for any single claim not exceeding

P5,000,000

14

For life insurance coverage to be valid, insurable interest must exist

only at the inception of the policy

15

In the case of life insurance, a sale is considered completed if the application is signed and payment of the first premium is made by the applicant. For the sale to be considered completed

payment of the first premium has to be made by the applicant in full or in part, as specified. One of the acceptable methods of settlement is by cash or check in part, with a note for the balance

16

An automatic premium loan differs from the other policy loans in that an automatic premium loan

goes into effect requiring no separate action from the policyowner

17

The typical grace period provision in a life insurance policy obliges the life insurance company ton

one of the above

18

When a policy is assigned absolutely

the assignee acquires all the rights and interests of the original policyholder

19

If a policyowner does not pay a premium on the due date, the policy will immediately

continue in full force for a period of grace

20

If a loan is taken on a participating policy, dividends for that policy while there is a loan against the policy will be

unaffected