Life-and-Accident-and-Health-or-Sickness-Producer-Combo問題集、Insurance Licensing実際の試験問題

質問 1

An insurance producer provided several examples to the applicant persuasively demonstrating that the insurance coverage offered under his company's policy was superior to a competitor's product. The insurance producer knew he was misrepresenting or stretching the truth in order to induce the applicant to forfeit her current policy and purchase a similar but inferior insurance policy from him. The insurance producer is involved in which one of the following unfair trade practices?

A. Discrimination

B. Fraud

C. Twisting

D. Rebating

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 2

An insurance agent ' s license may be revoked for all of the following reasons EXCEPT:

A. Having no insurer appointment in effect for ten days

B. Being convicted of a felony

C. Having been found guilty of rebating

D. Violating any insurance statute or regulation

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 3

Giving policyholders some part of the agent's commission as an inducement to purchase insurance is an unfair trade practice known as:

A. Retention

B. Replacement

C. Twisting

D. Rebating

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 4

Which contract offers flexible deposits, deferred taxation, a guaranteed minimum interest rate, and death proceeds equal to the cash value?

A. A flexible premium fixed annuity

B. An available deferred annuity

C. A universal life insurance policy

D. An adjustable whole life insurance policy

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 5

All of the following are elements of an insurable risk EXCEPT:

A. A large number of similar units

B. Speculative risk

C. An ability to measure the loss

D. Accidental loss

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 6

Which benefit is usually excluded from accident and health plan coverage?

A. Hospital expense

B. Surgical expense

C. Physicians' visits

D. Custodial care

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 7

Pat owns a small business and is interested in enrolling her son in the Maryland Children's Health Insurance Program. Which of the following is the MOST appropriate person for Pat to contact for enrollment?

A. A SHOP Exchange Navigator

B. The Maryland Insurance Commissioner

C. A certified Navigator or authorized Producer for the Individual Exchange

D. An Insurance Producer authorized to work in the SHOP Exchange

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 8

An immediate annuity:

A. Pays a lump sum benefit to the annuitant

B. Lacks an accumulation period

C. May be purchased in installments

D. Normally permits tax-deductible contributions

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 9

The designation of a beneficiary by class in a life insurance policy means that:

A. The beneficiaries are unrelated to the insured

B. The policy must be a form of business life insurance

C. Individual beneficiaries are not specified by name

D. A primary beneficiary cannot be designated in the policy

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 10

When determining the premiums for large groups, most insurance companies use:

A. Area rating

B. Pooled rating

C. Experience rating

D. Occupational rating

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 11

All of the following are examples of unfair claims settlement practices EXCEPT:

A. Failing to promptly provide a reason for a claim denial

B. Misrepresenting pertinent facts of coverage

C. Refusing arbitrarily and unreasonably to pay claims

D. Denying unsubstantiated claims on a timely basis

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 12

A temporary insurance license may be issued to all of the following EXCEPT:

A. A surviving spouse upon the death of a licensed producer

B. A nonresident producer in the process of moving to Maryland

C. An employee upon the disability of the producer

D. An employee of the producer upon the sale of the producer's business

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 13

All of the following practices by a producer are considered misrepresentations EXCEPT:

A. Advising the client that the policy is a share of stock

B. Changing the title of the policy in the sales presentation

C. Comparing the benefits of several policies

D. Exaggerating the financial strength of the insurer

正解: C

解説: (PassTest メンバーにのみ表示されます)

Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 - Life-and-Accident-and-Health-or-Sickness-Producer-Combo 模擬練習