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Indiana Life and Health Insurance State Simulator Final Exam And Answers Rated A+.
An architecture firm would stand to lose a lot of money in the event of the death of its project manager. Which type of policy should the firm purchase on its project manager? - Answer Universal life insurance 
Key Person insurance 
Graded insurance 
Executive insurance 
Correct. Key person insurance is a type of life insurance policy that provides a death benefit to a business if its owner or another significant employee passes away. 
 
If a retiree on Medicare required five hospital stays in...
- Exam (elaborations)
- • 7 pages •
An architecture firm would stand to lose a lot of money in the event of the death of its project manager. Which type of policy should the firm purchase on its project manager? - Answer Universal life insurance 
Key Person insurance 
Graded insurance 
Executive insurance 
Correct. Key person insurance is a type of life insurance policy that provides a death benefit to a business if its owner or another significant employee passes away. 
 
If a retiree on Medicare required five hospital stays in...
INDIANA LIFE AND HEALTH RULES AND REGULATIONS EXAM Fully Solved 2024.
Insurance Commissioner - Answer • Appointment by Governor 
• Member of NAIC 
 
Insurance commissioner Duties - Answer responsible for overseeing the Department of Insurance, which regulates insurance companies operating in Indiana. works to promote improvements to insurance laws and the enforcement of said laws in Indiana.[ 
 
Certificate of Authority - Answer Licensed companies receive a _______________________________ to conduct the business of insurance or operate as a health maint...
- Exam (elaborations)
- • 10 pages •
Insurance Commissioner - Answer • Appointment by Governor 
• Member of NAIC 
 
Insurance commissioner Duties - Answer responsible for overseeing the Department of Insurance, which regulates insurance companies operating in Indiana. works to promote improvements to insurance laws and the enforcement of said laws in Indiana.[ 
 
Certificate of Authority - Answer Licensed companies receive a _______________________________ to conduct the business of insurance or operate as a health maint...
Indiana Life Insurance Final Exam And Answers Graded A+ 2024
Which of the following is NOT a characteristic of a Variable Annuity? 
 
A. Premium Payments may be level or flexible or single premium 
B. The cash values are invested in securities. 
C. The non-forfeiture values will provide for the return of the cash value should the annuitant die during the accumulation period. 
D. It provides for a tax-free death benefit. - Answer D. It provides for a tax-free death benefit. 
 
All of the following policies provide for the tax deferred accumulation of cas...
- Exam (elaborations)
- • 54 pages •
Which of the following is NOT a characteristic of a Variable Annuity? 
 
A. Premium Payments may be level or flexible or single premium 
B. The cash values are invested in securities. 
C. The non-forfeiture values will provide for the return of the cash value should the annuitant die during the accumulation period. 
D. It provides for a tax-free death benefit. - Answer D. It provides for a tax-free death benefit. 
 
All of the following policies provide for the tax deferred accumulation of cas...
Indiana Life & Health Insurance Exam Fully Solved 2024.
Participating Insurance Policy - Answer may pay dividends to the policyowner 
 
Material Misrepresentation - Answer misstatement to a question asked in the application process; death benefit claim will likely be denied 
 
Law of Large Numbers - Answer the larger a group becomes, the easier it is to predict losses; used to predict certain types of losses and set appropriate premiums 
 
Substandard Risk - Answer results in higher premium 
 
Standard Risk - Answer results in standard prem...
- Exam (elaborations)
- • 10 pages •
Participating Insurance Policy - Answer may pay dividends to the policyowner 
 
Material Misrepresentation - Answer misstatement to a question asked in the application process; death benefit claim will likely be denied 
 
Law of Large Numbers - Answer the larger a group becomes, the easier it is to predict losses; used to predict certain types of losses and set appropriate premiums 
 
Substandard Risk - Answer results in higher premium 
 
Standard Risk - Answer results in standard prem...
Indiana Property & Casualty Test Questions And Answers Rated A+ 2024.
Insurance commissioner has the authority to..? - Answer enforce state insurance laws 
 
Department of Insurance has the power to..? - Answer Supervise the organization, regulation, examination, rehabilitation, liquidation and conservation of all insurance companies doing business in the state 
 
Insurance laws have been written to protect - Answer the insuring public 
 
The commissioner has 3 main authorities - Answer 1. Executive Authority 
2. Legislative Authority 
3. Judicial Authori...
- Exam (elaborations)
- • 4 pages •
Insurance commissioner has the authority to..? - Answer enforce state insurance laws 
 
Department of Insurance has the power to..? - Answer Supervise the organization, regulation, examination, rehabilitation, liquidation and conservation of all insurance companies doing business in the state 
 
Insurance laws have been written to protect - Answer the insuring public 
 
The commissioner has 3 main authorities - Answer 1. Executive Authority 
2. Legislative Authority 
3. Judicial Authori...
Indiana State Life and Health Insurance Exam Well Answered 100% 2024.
How many days is a temporary producers license valid? 
 
30 
60 
90 
180 - Answer 180 
 
In Indiana, the maximum fine the the commissioner can impose on a producer or company who violates a cease and desist order is___per violation? 
 
$10,000 
$15,000 
$20,000 
$25,000 - Answer $25,000 
 
Which of these is an example of twisting? 
 
A producer maliciously aligns another insurance company's financial status 
 
A producer misrepresents a policy to induce a policyowner to surrender an existin...
- Exam (elaborations)
- • 64 pages •
How many days is a temporary producers license valid? 
 
30 
60 
90 
180 - Answer 180 
 
In Indiana, the maximum fine the the commissioner can impose on a producer or company who violates a cease and desist order is___per violation? 
 
$10,000 
$15,000 
$20,000 
$25,000 - Answer $25,000 
 
Which of these is an example of twisting? 
 
A producer maliciously aligns another insurance company's financial status 
 
A producer misrepresents a policy to induce a policyowner to surrender an existin...
Life Insurance - Practice Test Questions Well Answered 100 % 2024.
A special characteristic of insurance contract where equal value is not exchanged between parties is known as: - Answer Aleatory 
 
Life insurance contracts are ___ agreements - Answer Unilateral 
 
What is the proper definition of "take it or leave it" contracts written by insurer? - Answer Adhesion 
 
using the human value approach, the best way to figure out the amount of death benefit is based on?: 
A. proposed insured's life span 
B. proposed insured's retirement date 
C. proposed...
- Exam (elaborations)
- • 18 pages •
A special characteristic of insurance contract where equal value is not exchanged between parties is known as: - Answer Aleatory 
 
Life insurance contracts are ___ agreements - Answer Unilateral 
 
What is the proper definition of "take it or leave it" contracts written by insurer? - Answer Adhesion 
 
using the human value approach, the best way to figure out the amount of death benefit is based on?: 
A. proposed insured's life span 
B. proposed insured's retirement date 
C. proposed...
XCEL Solutions practice Exam With All Correct Answers 2024.
Which of the following statements is CORRECT regarding the tax treatment of a lump-sum payment paid to a life insurance policy's primary beneficiary? - Answer All proceeds are income tax free in the year they are received. 
 
A(n) _____ insurance company is one formed in a country other than the United States. - Answer Alien 
 
Term insurance has which of the following characteristics? - Answer Expires at the end of the policy period. 
 
Which Federal law allows an insurer to obtain an in...
- Exam (elaborations)
- • 6 pages •
Which of the following statements is CORRECT regarding the tax treatment of a lump-sum payment paid to a life insurance policy's primary beneficiary? - Answer All proceeds are income tax free in the year they are received. 
 
A(n) _____ insurance company is one formed in a country other than the United States. - Answer Alien 
 
Term insurance has which of the following characteristics? - Answer Expires at the end of the policy period. 
 
Which Federal law allows an insurer to obtain an in...
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What is the purpose of the Current Good Manufacturing Practices? - Answer To provide guidelines to help ensure quality and purity of products 
 
Which muscle would be considered underactive, leading to the excessive forward trunk lean during the overhead squat assessment? - Answer Gluteus maximus 
 
For a fitness professional using the OPT model, the goal of the Stabilization Endurance phase is to focus on which of the following aspects? - Answer Movement quality 
 
Balance is best describ...
- Package deal
- Exam (elaborations)
- • 10 pages •
What is the purpose of the Current Good Manufacturing Practices? - Answer To provide guidelines to help ensure quality and purity of products 
 
Which muscle would be considered underactive, leading to the excessive forward trunk lean during the overhead squat assessment? - Answer Gluteus maximus 
 
For a fitness professional using the OPT model, the goal of the Stabilization Endurance phase is to focus on which of the following aspects? - Answer Movement quality 
 
Balance is best describ...
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