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Abby lives in Ohio, where she is licensed as an insurance producer. She wants to apply for a nonresident license in Pennsylvania. Which of the following conditions must she satisfy? She must move to Pennsylvania. She must surrender her Ohio license. She must be sponsored by a producer licens...

All of the following are eligible to purchase a group life insurance policy EXCEPT: the Wonderful Widget Company, which employs more than 200 people the State Electrical Workers Union the Retailers Multiple Employer Trust, formed by two retailers to purchase insurance for their employees Stan ...

You have been invited to your niece's wedding reception, and the invitation requests an RSVP. You really don't want to go, and you could simply decline the invitation. But you respond that you will be in attendance, and you check her bridal registry to select an appropriate gift to bring. Your dec...

What is the Primary Goal of Long Term Care - Answer- To maintain functionality Which of the following most precisely defines the fundamentals of self-care and the basic tasks of life? - Answer- Activities of daily living Long Term Care occurs only in nursing facilities. - Answer- False On w...

Rory's parents offered to buy him a new car to take to college, but Rory turned them down because he was afraid the car would be stolen or damaged if he parked it on campus. In deciding not to own a car, what risk management technique did Rory employ? - Answer- risk avoidance Which of the follow...

Annuitization is - Answer- Accumulated values are converted into a stream of periodic income payments. How often can payments of annuities be paid out? - Answer- A specified term of years, for life, or a combination of the two. What is the reason (how has a consumer's priorities and needs shi...

1. The ethical principle, "Place the interests of others above your own," is an example of - Answer- b. positive actions or results-based ethics 2. Your sister escaped from an abusive husband and is hiding in your basement when her husband knocks on your door, brandishes a pistol, and asks, "I...

Buying life or health insurance is an example of which risk management technique? risk avoidance risk reduction risk retention risk transfer - Answer- risk transfer What is the mathematical concept of probability that helps insurers estimate the statistical likelihood of mortality or morbid...

Representations and Warranties - Answer- Representations are statements the applicant makes on an application that are deemed to be true to the applicant's best knowledge. Warranties are statements the insurer makes in the contract. Underwriting vs. Actuarial Departments - Answer- Two related in...