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Chapter 1
Descripción
Life/Health Insurance Study Test sobre Chapter 1, creado por Karen Kadura el 21/10/2017.
Sin etiquetas
life/health insurance study
Test por
Karen Kadura
, actualizado hace más de 1 año
Más
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Creado por
Karen Kadura
hace más de 6 años
8
1
0
Resumen del Recurso
Pregunta 1
Pregunta
A ________ insurance company is owned by its policyholders.
Respuesta
Stock
Reciprocal
Fraternal Benefits Society
Mutual
Pregunta 2
Pregunta
If an insurance company wants to transfer all or part of the risk it has accepted, it would buy which of the following types of insurance?
Respuesta
Residual
Reinsurance
Reciprocal
Insurer
Pregunta 3
Pregunta
Which of the following in an insurance company that is organized under the laws of another state within the United States?
Respuesta
Domestic
Alien
Foreign
Authorized
Pregunta 4
Pregunta
Which insurance company department accepts the insurance risk?
Respuesta
Executive
Actuarial
Claims
Underwriting
Pregunta 5
Pregunta
Which of the following individuals represents the insurance company when selling an insurance policy?
Respuesta
Producer
Broker
Adjuster
Insurer
Pregunta 6
Pregunta
Which of the following type of authority does the public assume an agent has when quoting insurance?
Respuesta
Authorized
Express
Implied
Apparent
Pregunta 7
Pregunta
A producer has each of the following responsibilities to the Insurer, EXCEPT:
Respuesta
A fiduciary duty
Forwarding premiums to the insurer on a timely basis
Reporting material facts that may affect underwriting
A duty to recommend only high premium policies
Pregunta 8
Pregunta
A federal regulation called the ________________ protects consumer privacy.
Respuesta
Consolidated Omnibus Budget Reconciliation Act
Fraudulent Insurance Act
Privacy Protection Act
Fair Credit Reporting Act
Pregunta 9
Pregunta
Dishonest tendencies that increase the probability of loss are what types of hazard?
Respuesta
Physical
Moral
Emotional
Legal
Pregunta 10
Pregunta
Each of the following must be included in an insurable risk, EXCEPT:
Respuesta
Calculable chance of loss
Excluded catastrophic perils
Large group with dissimilar members
Accidental losses
Pregunta 11
Pregunta
Which principle of insurance restores the insured to the same economic condition that existed before the loss?
Respuesta
Indemnity
Insurability
Adhesion
Underwriting
Pregunta 12
Pregunta
Each of the following is an element of a legal contract, EXCEPT:
Respuesta
Consideration
Legal Purpose
Agreement
Indemnity
Pregunta 13
Pregunta
A warranty is defined as which of the following?
Respuesta
Intentional misrepresentation on the application
Statement in the application that is guaranteed to be true
A false statement in the application
What a reasonable and prudent buyer can expect
Pregunta 14
Pregunta
Each of the following is a factor considered by an underwriter, EXCEPT:
Respuesta
Age
Marital status
Gender
Hazardous occupation
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