최신 CA-Life-Accident-and-Health 무료덤프 - California Department of Insurance CA Life, Accident and Health or Sickness Examination

문제1

All of the following qualify as "background information" as defined in Section 1729.2 of the California Insurance Code, EXCEPT

A. an administrative action regarding a professional or occupational license.

B. a misdemeanor or felony conviction or a filing of felony criminal charges in state or federal court.

C. any admission, or judicial finding or determination, of fraud, misappropriation or conversion of funds, misrepresentation, or breach of fiduciary duty.

D. misdemeanor charges filed, not resulting in a conviction.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제2

The additional premium charged by an insurer for adding the accidental death benefit to a whole life policy

A. increases the policy's cash value.

B. does not affect the policy's cash value.

C. increases the yearly dividend amount.

D. decreases the length of time that premiums are payable.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제3

As defined by the California Code of Regulations, a person who asserts a right of recovery under an insurance policy is called the

A. beneficiary.

B. claimant.

C. injured.

D. underinsured.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제4

Every individual annuity policy that is sold to a senior in the State of California MUST include which of the following free look information?

A. The policy has a 30-day return for cancellation feature.

B. The premiums will not be invested during the return period.
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C. The insured forfeits any premiums paid if cancelled.

D. The insurer has the right to cancel if less than 30 days.

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제5

Medicare Part B pays for

A. hospice care.

B. the first 60 days of hospitalization.

C. prescription drugs.

D. physicians' services.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제6

During the grace period, when may an insurer terminate medical coverage?

A. The insured receives care from a physician who is not in the plan's network.

B. The insured requests termination in writing.

C. Policies cannot be terminated during the grace period.

D. The insured is hospitalized without giving the insurer prior notification.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제7

What policy is a savings instrument designed to first accumulate funds and then systematically to liquidate the funds?

A. Disability income insurance.

B. Term life.

C. Deferred annuity.

D. Mortgage insurance.

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

문제8

Which of the following is NOT a characteristic of a contributory group insurance plan?

A. The employer pays a portion of the cost.

B. The member pays a portion of the cost.

C. The member pays all of the cost.

D. The policy owner pays all of the cost.

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

문제9

Your client has just bought a new home which he has financed with a $150,000, 7.5% interest, 30-year bank loan. He would like to be sure that if he dies prematurely, the unpaid balance of the mortgage would be paid.
He wants a policy that will cover the mortgage balance - no more, no less - anytime during the life of the mortgage. Which policy is designed to meet this need?

A. Decreasing term policy.

B. Increasing term policy.

C. Home service policy.

D. Level term policy.

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제10

Which report about an insurance applicant's creditworthiness and personal characteristics may influence eligibility for life and health insurance?

A. Medical Information Bureau disclosure.

B. Consumer report.

C. Attending physician's statement.

D. Agent's report.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

최신 CA-Life-Accident-and-Health 무료덤프 - California Department of Insurance CA Life, Accident and Health or Sickness Examination

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