California Department of Insurance CA Life, Accident and Health or Sickness Examination CA-Life-Accident-and-Health Prüfungsfragen mit Lösungen:
1. According to the California Insurance Code, an "insurance broker" is
A) compensated for transacting insurance on behalf of another person with an insurer.
B) hired by an insured to give advice about insurance transactions.
C) employed to assist an insurance agent in transacting insurance.
D) authorized by an insurer to transact insurance.
2. Indexed annuities offer all of the following features EXCEPT
A) a minimum guarantee of interest rate.
B) an annually increasing maximum rate of interest.
C) an opportunity to participate in gains associated with the stock market.
D) protection during stock market declines.
3. All of the following types of insurance pay benefits in addition to those paid by other insurance policies held by the insured EXCEPT
A) hospital indemnity.
B) medical expense.
C) specified disease.
D) critical illness.
4. All of the following statements about Health Maintenance Organizations (HMOs) are true EXCEPT
A) Out-of-pocket expenses are limited as long as the network is utilized.
B) Members pay fixed monthly fees to the HMO.
C) Members pay higher monthly fees when out-of-network providers are utilized.
D) Members receive care from providers in the HMO network.
5. Any situation that presents the possibility of a loss is known as
A) medical loss ratio.
B) a loss exposure.
C) consideration.
D) a covered loss.
Fragen und Antworten:
| 1. Frage Antwort: A | 2. Frage Antwort: B | 3. Frage Antwort: B | 4. Frage Antwort: C | 5. Frage Antwort: B |
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