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

문제1

According to the California Insurance Code, governing insurance appointments, who is responsible for filing a life agent's appointment?

A. The insurer.

B. The licensee.

C. The Commissioner.

D. The employer.

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제2

Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), a qualifying event ensures that an employee who loses coverage can

A. transfer coverage to another group.

B. elect to continue coverage.

C. request a waiver of premium.

D. convert to an individual policy.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제3

Which plan covers the medical expenses that are NOT covered by Medicare?

A. MediCal.

B. Medicare supplement.

C. Disability income.

D. Long-term care.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제4

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

A. Level term.

B. Joint life.

C. Mortgage redemption.

D. Family protection.

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

문제5

According to California Insurance Code, an insurance policy must be

A. economically feasible for the insured.

B. approved by the Insurance Commissioner.

C. negotiated between the agent and the insured.

D. in writing.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제6

All of the following describe examples of risk avoidance EXCEPT the insured

A. sensing the chance of a lawsuit and therefore giving his pet Bengal tiger to a local zoo.

B. never flying in airplanes.

C. never leaving his house after dark.

D. recognizing that his driving skills are deteriorating and therefore increasing the liability limits of his auto policy.

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제7

What would we call a representation which fails to correspond with its stipulations or assertions?

A. Fatal

B. Fraud

C. False

D. Frivolous

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

문제8

It is considered an unfair method of competition for an agent to advertise that the insurer the agent is appointed with is

A. fully authorized by certification to sell insurance.

B. a member of the Insurance Guarantee Association.

C. an admitted insurer in the state of California.

D. highly rated by A.M. Best Company.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제9

During the solicitation of a long term care insurance rider, a life agent must consider all of the following EXCEPT the applicant's

A. attending physician statement.

B. goals and needs.

C. existing long term care coverage.

D. ability to pay for the coverage.

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제10

Which type of life insurance coverage has both a savings element and a flexible premium option?

A. Whole life.

B. There is currently no insurance product available in the standard market which has both of these features.

C. Term life.

D. Universal life.

정답: D

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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