General Insurance
Insurance company that does business in a state other than which it is domiciled in
What is a foreign company
How long is an insurance license valid for
___ insurance pays a death benefit when the insured dies
What is term life
True or false: Automatic payment of premiums from bank account are required in everyone's health insurance policy
False: Automatic payment of premiums from bank account is an option provision that insurers may omit from their health insurance policies
Likelihood of the asteroid hitting earth
3% ish
Collects information from an applicant
What is a field underwriter
A __ is a violation of rights created by law
What is a tort
Necessary for an agent to consider when helping a customer determine the lump sum of money his survivors would need at death
Final medical expenses
Estate taxes
Ongoing monthly expenses
Medicare Part A covers
Durable medical equipment and supplies
Home health aide services
Part-time or intermittent skilled care
Which actor wore a wig for the entirety of "Zoolander"
Who is Owen Wilson
Someone who smokes heavily exhibits what kind of an insurance risk
What is a moral hazard
Insurer that cancels a policy based on medical information it requests and receives after the policy issue has engaged in what?
What is post-claims underwriting
Most waiver of premium riders require that the insured be ___ for six months before premium waiver begins.
What is total disability
FSA accounts can cover
Costs of prescription and non-prescription medicine
Medical supplies
Durable medical equipment
True or false: Perfect pitch can be learned
True!
What is a representation and a warranty
Being admitted to operate as an insurer and to transact one or more lines of insurance in CA
What is evidenced by a certificate of authority
Loan amount + interest owed is greater than the cash value means the policy
What is cannot remain in effect
3 levels of long-term care
What is skilled, intermediate, and custodial
How many paintings did Van Gogh sell in his lifetime
1
Entity that spreads the cost of losses among its members by having each member pay a pro-rata share of these losses
What is a reciprocal insurer
When must an insurer obtain authorization to release personal information
What is before disclosing privileged information about a person
A stock redemption agreement is a form of entity-purchase buy-sell agreement used with
What is close corporations
Utilization reviews can apply at what time
What is future, contemporaneous, or historical services
Optical switches use __ to detect key presses
What is light