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Total 156 Questions | Updated On: Nov 18, 2024

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Question 1

The guaranteed insurability option provides the ability to

A : waive premium payments in the event of disability.

B : purchase additional insurance regardless of insurability.

C : access a portion of the death benefit in the event of serious illness.

D : double the amount of the death benefit in the event of accidental death.

Answer: B

Question 2

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 : Level term policy.

B : Home service policy.

C : Increasing term policy.

D : Decreasing term policy.

Answer: D

Question 3

A Hospital Confinement Indemnity insurance policy pays

A : the amount of the actual hospital expenses.

B : 100% of the covered medical expenses less the deductible and coinsurance percentage.

C : an indemnity to the insured for all expenses incurred when the insured is confined in a hospital.

D : the daily benefit dollar amount stated in the policy for each day the insured is confined ina hospital.

Answer: D

Question 4

To help keep premiums more affordable, which provision is included in a disability income policy?

A : Residual benefits.

B : Elimination period.

C : Cost of living rider.

D : Automatic increase provision.

Answer: B

Question 5

A life insurance application is important for all of the following reasons EXCEPT

A : statements made in the application are required to be true to the best of the applicant’s knowledge.

B : the beneficiary must sign the application before the insurer will issue the policy.

C : the application becomes a part of the policy, if a copy is attached.

D : the application contains essential information about the applicant.

Answer: B

Page: 1 / 32

Total 156 Questions | Updated On: Nov 18, 2024

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