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California Life, Accident, and Health State Exam 2024
California Life, Accident, and Health State Exam Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly payments for 5 years, Cindy dies. How many remaining payments will the insurer make to her beneficiary? - No payments - 30 payments - 60 payments - 120 payments - Answer ️️ -60 Payments An annuitant would like to determine the amount of an annuity distribution that is exempt from taxation. What is used to calculate this? - Mortality rate - Exclu...
- Exam (elaborations)
- • 48 pages •
California Life, Accident, and Health State Exam Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly payments for 5 years, Cindy dies. How many remaining payments will the insurer make to her beneficiary? - No payments - 30 payments - 60 payments - 120 payments - Answer ️️ -60 Payments An annuitant would like to determine the amount of an annuity distribution that is exempt from taxation. What is used to calculate this? - Mortality rate - Exclu...
FInal Exam: California Life, Accident, and Health Insurance
FInal Exam: California Life, Accident, and Health Insurance What distinguishes a deferred annuity from an immediate annuity? - Answer ️️ -The time at which benefit payments start Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly payments for 5 years, Cindy dies. How many remaining payments will the insurer make to her beneficiary? - Answer ️️ -60 payments What is a common reason people purchase an annuity? - Answer ️️ -To protect against ...
- Exam (elaborations)
- • 11 pages •
FInal Exam: California Life, Accident, and Health Insurance What distinguishes a deferred annuity from an immediate annuity? - Answer ️️ -The time at which benefit payments start Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly payments for 5 years, Cindy dies. How many remaining payments will the insurer make to her beneficiary? - Answer ️️ -60 payments What is a common reason people purchase an annuity? - Answer ️️ -To protect against ...
California Life, Accident, and Health State Exam Questions and Answers Rated A
California Life, Accident, and Health State Exam Questions and Answers Rated A "blackout period" affects - Answer ️️ -widowed spouse How long must an individual be unable to engage in any gainful activity due to physical or mental disability in order to qualify for total Social Security Total Disability? - Answer ️️ -12 months What does ESOP stand for? - Answer ️️ -Employee Stock Ownership Plan An example of risk sharing would be - Answer ️️ -Doctors pooling their money ...
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- Exam (elaborations)
- • 8 pages •
California Life, Accident, and Health State Exam Questions and Answers Rated A "blackout period" affects - Answer ️️ -widowed spouse How long must an individual be unable to engage in any gainful activity due to physical or mental disability in order to qualify for total Social Security Total Disability? - Answer ️️ -12 months What does ESOP stand for? - Answer ️️ -Employee Stock Ownership Plan An example of risk sharing would be - Answer ️️ -Doctors pooling their money ...
CA PSI Site - Life, Accident and Health Agent Examination (Life Agent) Already Pass
2) Legal Purpose 3) Agreement (offer and acceptance) 4) Consideration Preferred Risks vs Standard Risks - Answer ️️ -Standard Risks are individuals who have the same health, habits, sex/gender, and occupational characteristics as those reflected in the mortality table Preferred Risks are individuals who meet certain requirements and qualify for lower premiums because of ideal health, height and weight. Individuals in this category have a longer than average life expectancy Human Lif...
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- Exam (elaborations)
- • 24 pages •
2) Legal Purpose 3) Agreement (offer and acceptance) 4) Consideration Preferred Risks vs Standard Risks - Answer ️️ -Standard Risks are individuals who have the same health, habits, sex/gender, and occupational characteristics as those reflected in the mortality table Preferred Risks are individuals who meet certain requirements and qualify for lower premiums because of ideal health, height and weight. Individuals in this category have a longer than average life expectancy Human Lif...
Final Exam: California Life, Accident, and Health Insurance 2024
Final Exam: California Life, Accident, and Health Insurance 2024 What is considered the most common type of specified disease insurance policy? - Answer️️ - Cancer Minimum participation standards exist for a group health insurance plans in order to - Answer️️ -Prevent Adverse Selection How does underwriting differ between group life and individual life insurance? - Answer️️ - Medical questions must be answered on individual life insurance when handling premiums for an insured...
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- Exam (elaborations)
- • 10 pages •
Final Exam: California Life, Accident, and Health Insurance 2024 What is considered the most common type of specified disease insurance policy? - Answer️️ - Cancer Minimum participation standards exist for a group health insurance plans in order to - Answer️️ -Prevent Adverse Selection How does underwriting differ between group life and individual life insurance? - Answer️️ - Medical questions must be answered on individual life insurance when handling premiums for an insured...
Final Exam: California Life, Accident, and Health Insurance Already Passed
Final Exam: California Life, Accident, and Health Insurance Already Passed What is an insurance solicitor authorized to do? - Answer ️️ -Help an agent or broker sell insurance According to the California Insurance Code, what is "insurance"? - Answer ️️ -A contract What does a Hospital Confinement indemnity policy pay for? - Answer ️️ -Pay a specified daily amount while the insured is confined to a hospital According to the California Insurance Code, how is the word "may" i...
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- Exam (elaborations)
- • 12 pages •
Final Exam: California Life, Accident, and Health Insurance Already Passed What is an insurance solicitor authorized to do? - Answer ️️ -Help an agent or broker sell insurance According to the California Insurance Code, what is "insurance"? - Answer ️️ -A contract What does a Hospital Confinement indemnity policy pay for? - Answer ️️ -Pay a specified daily amount while the insured is confined to a hospital According to the California Insurance Code, how is the word "may" i...
California Life, Accident and Health Cram Course Exam 1-3 Already Passed
California Life, Accident and Health Cram Course Exam 1-3 Already Passed Question #90476 Carol is injured driving a company car at work. Her Health insurance coverage: AProvides excess or supplementary coverage BWill provide coverage on a pro-rata basis with Workers Compensation CWill cover her injuries DWill not cover her since this is an occupational injury - Answer ️️ -D Explanation: Most Health insurance provides 'non-occupational' (off the job) coverage for sickness or injury...
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- Exam (elaborations)
- • 64 pages •
California Life, Accident and Health Cram Course Exam 1-3 Already Passed Question #90476 Carol is injured driving a company car at work. Her Health insurance coverage: AProvides excess or supplementary coverage BWill provide coverage on a pro-rata basis with Workers Compensation CWill cover her injuries DWill not cover her since this is an occupational injury - Answer ️️ -D Explanation: Most Health insurance provides 'non-occupational' (off the job) coverage for sickness or injury...
Final Exam - California Life Only Questions and Answers Already Passed
Final Exam - California Life Only Questions and Answers Already Passed According to the California Insurance Code, what is "insurance"? - Answer ️️ -A contract Which of these statements correctly describes risk? - Answer ️️ -Pure risk is the only insurable risk Only pure risks are insurable Which of the following does NOT have to be included on life insurance policy illustrations? - Answer ️️ -Statement that all values and benefits are guaranteed An agent's attempt to stop...
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- Exam (elaborations)
- • 17 pages •
Final Exam - California Life Only Questions and Answers Already Passed According to the California Insurance Code, what is "insurance"? - Answer ️️ -A contract Which of these statements correctly describes risk? - Answer ️️ -Pure risk is the only insurable risk Only pure risks are insurable Which of the following does NOT have to be included on life insurance policy illustrations? - Answer ️️ -Statement that all values and benefits are guaranteed An agent's attempt to stop...
California Life, Accident, and Health Insurance Final Exam Questions and Answers Already Passed
California Life, Accident, and Health Insurance Final Exam Questions and Answers Already Passed What distinguishes a deferred annuity from an immediate annuity? - Answer ️️ -The time at which benefit payments start Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly payments for 5 years, Cindy dies. How many remaining payments will the insurer make to her beneficiary? - Answer ️️ -60 payments What is a common reason people purchase an annuity?...
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- Exam (elaborations)
- • 11 pages •
California Life, Accident, and Health Insurance Final Exam Questions and Answers Already Passed What distinguishes a deferred annuity from an immediate annuity? - Answer ️️ -The time at which benefit payments start Cindy buys a 10-year certain annuity with an installment refund. After receiving monthly payments for 5 years, Cindy dies. How many remaining payments will the insurer make to her beneficiary? - Answer ️️ -60 payments What is a common reason people purchase an annuity?...
CA Life and Health Exam Questions and Answers Already Passed
CA Life and Health Exam Questions and Answers Already Passed What is insurance? - Answer ️️ -Insurance is the legal contract where two parties agree that if something will happen, a value will be exchanged. What's the difference between pure risk and speculative risk? - Answer ️️ -Pure risk is when you'll lose it all or there will be no change. Speculative risk you can either win or lose. What is peril? - Answer ️️ -peril is the causes of loss insured against in an insurance ...
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- Exam (elaborations)
- • 6 pages •
CA Life and Health Exam Questions and Answers Already Passed What is insurance? - Answer ️️ -Insurance is the legal contract where two parties agree that if something will happen, a value will be exchanged. What's the difference between pure risk and speculative risk? - Answer ️️ -Pure risk is when you'll lose it all or there will be no change. Speculative risk you can either win or lose. What is peril? - Answer ️️ -peril is the causes of loss insured against in an insurance ...
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