The purpose of laws regarding the replacement of the life and annuity contracts includes all of th following , except :

All of the following would fall under the category of an “adverse underwriting decision “ , except :

In order to obtain group insurance without providing evidence of insurability , what do eligible individuals generally have to do

An agent who acts as an insurance agent , broker , solicitors , life-only agent , or ball agent , acts in which capacity when hassling premiums or return premiums for an insured

In order to determine the amount of premium an insured will pay , the insurer multiplie the rate by :

Vatican seetlemts are accomplished through the use of :

The convention privilege also was a person to change coverage from

All of the following stem at about qualified pension plan are true , except :

What is the written instrument called inn which the insurance contract is set forth

Which non-forfeiture option uses cash surrender values to purchase paid-up term insurance for the full face amount of the policy

What is the difference between a defined contribution plan and a defined benefit plan

A life-only agents records must include all of the following, except

A worker dies while he is credited with six quarters of the last 13 quarters period , what status does the worker have under social security

A return of premium rider is a rider that

An angent appaointmet with an insurer will be discontinued if all of the following circumstances exist , except

Social security provides protection against the financial consequences of al of the following except :

Which retirement plan utilizes non-deductible contributions

All of the occurrences listed below are examples of an isnruanble event defined by the CA insurance code , except:

The social security normal retirement age depends upon :

The complete transfer by the existing owner for al rights in an insurance policy to another person is :

Which retirement plan was designed for employees of public school systems

Which settlement options allows only the death benefit earning to be paid to the beneficiary

All of the following apply to the life inspection cost-of living rider except :

The social security black out period ends when the surviving spouse reaches the age of :

Retirement benefits under social security are available only for workers who are :

In which plans do employees make specific conribution to an employees retirement account

In a seven year vesting schedule , what percentage of employer contributions must be vested after 7 years of service

A representation in an insurance contract qualified as which of the following

A policy holder stops making payments on a 20-pay life policy and converts they cash surrender values to extended term insurance , all of the following stsments are true , except

Which non-forfeiture option uses an existing policy’s cash value to purchase a paid-up policy with a lower face value than the original policy

What is required when an application reveals conditions that require more information

Which risk classification carries the lowest permium

Which statment best describes a life insurance policy dividend

If a person was in violation of section770 of the CA insurance code , what action would the insurance commissioner most likely take if the violation with loans on the security of real or personal properly

If no other method of payment is selected , which of the following is the automatic mode of settlement for life insurance policy proceeds

The process whereby a mutual insurer becomes a stock company is called :

Any situation that presents the possibility of a loss is known as :

Which settlement option allows only the death benefit earnings to be paid to the beneficiary

An agent acting as an insurance agent , broker, solicitor , life-only , or bail agent acts in which capacity when handaling premiums for an insured

According to state law , what size print must be used for the licenses number on all price quotes , business cards and printed material

According to employee income security act of 1974 (ERISA) fiduciary standards benefit plans are operated for :

Life insurance settlement options include all of the following , except

A life insurance application is important for all the following reasons, except:

The price of insurance for each exposure unit is called the:

To authorize the release of an attending physicians report, the applicant must:

Yearly probabilities of death are shown in:

Members of the Medical Information Bureau are required to report:

When referring to an insurance contract, when must a representation be made?

Frank and Ernest are 25 year old identical twins. They are both in excellent health. Both buy policies that have $500 annual premiums. Frank buys a 5-year renewable term policy. Ernest buys a whole life policy. Which statement is not true?

The request for an attending physicians report must be accompanied by a copy of the : s

Which life insurance classification carries the highest premium?

A group insurance plan is contributory when the:

Whose benefits are affected by the blackout period ?

Which of the following is not an option for the use of the policy dividends?

Who are the owners/members of the Medical Information Bureau

After the deductible, what portion does the patient pay for covered expenses under Medical Part B?

Which of the following functions is best defied as an insurance company’s identifying and selling the potential customers?

What is called when an insurer uses higher rates based solely on religion, race, ethnic group ?

A policy owner has the right to change all of the following, except:

When must insurance records for insurance agents brokers be made available to the insurance commissioner?

In a reinsurance agreement, the insurance company that transfers its loss exposure to another insurer is called:

Which type of insurance policy provides a death benefit that matches the projected outstanding debt on an individuals home?

What do we call the process whereby insurers decide which customers to insure, and what coverage to offer?

Which of the following is the best definition of premium?

If an insurer pays an insured $25,000 in lost wages, $45,000 for physicians visits and hospital costs, and $15,000 for physical therapy treatments, nad later discovers that claims was fraudulent, the insured may be fined as much as:

What rule is used to determine the importance of a representation

What is the difference between a conditional premium receipt and a binding premium receipt

After a life insurance policy has been in effect for 2 years , what prevents it rom being rescind by the insurer

The black out period starts when the youngest child reaches the age of :

A person responsible for collecting of premium payments paid by the insured , which of the following staments is true concerning the total of premium paid by the end of the year :

A disability income policy cover injury suffered by an insured on or off the job is called

Which 2 are activities of dally living

Medicare Part A begins automatically at age :

The insured policy ha a deductible that is applied between the exhaustion of basic plan limits and the commencement of excess coverage , this is called

A waiting period between the onset of disability and the time when benefits begin is the :