Insurance Licensing InsNV_Health02 Prüfungsthemen:

Insurance Licensing NV Accident and Health InsNV_Health02 Prüfungsfragen mit Lösungen

1. An insurance company MUST take which of the following actions to terminate a producer ' s appointment?

A) Send notice of the termination to the Insurance Commissioner
B) Request that the Division of Insurance cancel the producer ' s license
C) Request a hearing before the Insurance Commissioner
D) Notify the producer of the termination at least thirty days before the effective date of termination

2. Which of the following situations describes a representation?

A) A prospect ' s statement on an application that is held to be absolutely true
B) A prospect ' s statement on an application that is held to be substantially true
C) An insurance company guarantees that premiums paid will be refunded within 30 days after the policy ' s effective date if an insured is dissatisfied with the policy
D) An insurance company guarantees that policy benefits will be paid promptly on receipt of a Proof of Loss

3. The statement that an insured MUST give an insurance company to show that a loss actually occurred is a:

A) Inspection report
B) Loss form
C) Proof of Loss
D) Notice of Claim

4. J and K are married and have several children. J is the primary beneficiary on K ' s Accidental Death and Dismemberment (AD & D) policy, and K ' s sibling, L, is the contingent beneficiary. J, K, and L are involved in a train accident, and K and L are killed instantly. The Accidental Death benefits will be paid to:

A) J only
B) L ' s estate
C) K ' s estate
D) J and K ' s estate

5. A policyowner borrows money from the insurer using the cash value of a whole life policy as security. If the loan and accrued interest are unpaid when the insured dies, what is the usual result?

A) The insurer cancels the policy immediately when the loan is made.
B) The cash value is transferred automatically to the beneficiary instead of the death benefit.
C) The beneficiary receives the full death benefit and the loan is forgiven.
D) The death benefit is reduced by the outstanding loan and interest.

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