Alabama Life and Health Insurance Exam’s and Final Exam’s Qs & As (2023 \/ 2024) BUNDLE TOGETHER<\/p>\n\n\n\n
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Alabama Life and Health Insurance Final Exam
Practice Questions 2023 – 2024 (Verified)
1.The minimum grace period for a life insurance policy sold in Alabama is
ANS 30 days
2.Alabama’s annuity disclosure regulation ANS Requires the delivery of a
buyer’s guide and a disclosure document to annuity applicant
3.An insurer pays a large claim for medical expenses after the insured has
only made one premium payment. This is an example of an ANS Aleatory
contract
4.Which of the following is NOT guaranteed by a whole life policy? ANS
policy dividends
5.Any individual who has failed two Alabama insurance licensing
examina- tions must wait how long before retaking it a third time? ANS 3
months<\/p>\n\n\n\n
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6.When an estate is named beneficiary to a life insurance policy, the
policy proceeds are ANS distributed according to state law
7.Which of the following statements concerning a life insurance policy
is TRUE? ANS an issued policy can never be changed by a producer
8.Julio, the insurance producer, has allowed his license to lapse. He would
like to reinstate his licenses without retaking a pre license course or
passing a written examination. To do this, Julio must reinstate the license
within
months from the renewal date. ANS 12 months
9.Janet is retired and looking to invest a lump-sum of money through an
insurance company. Which product would be best suited for this? ANS
annuity
10.Tina has an insurance policy with a 10-day free look provision. Which of
these statements is correct? ANS Her policy can be returned for 100%
refund of the premium within 10 days from the date the policy is
delivered
11.A collateral assignment allows a policy owner to assign ANS A portion
of the policy proceeds to the assignee
12.A licensed Alabama insurance producer would NOT be disciplined by<\/p>\n\n\n\n
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the Commissioner of Insurance for ANS Being convicted of a
misdemeanor
13.What is a defined benefit plan? ANS a retirement plan that promises
a specified benefit to the employee at retirement
14.Which of these is NOT considered a form of advertisement in Alabama?
ANS A producer sending a Christmas card to a client
15.Buying land with the anticipation of it going up in value is an
example of ANS Speculative risk
16.If an individual would like to sell insurance for an insurance company
, he\/she must
A. Have passed the state exam for the lines of authority in which licensure
is sought
B. Be licensed as an insurance producer<\/p>\n\n\n\n
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Alabama Life and Health Insurance Final Exam
2023 – 2024 (Verified)
1.Under a health maintenance organization HMO service providers are paid
a fixed monthly fee for each member. This concept is called ANS Capitation
2.When can a lapsed life insurance policy usually be reinstated ANS Within
three to five years of the policy lapsing
3.All of these statements concerning the coordination of benefits are trueex- cept ANS The secondary insurance does not pay benefits. Whichmeans the secondary insurer does pay benefits
4.The period of time during which a surviving spouse does not qualify for
Social Security survivor or retirement benefits is called ANS The blackout
period
5.Peggy surrenders a permanent life policy with a cash value of $15,000
and then outstanding policy loan of $5,000. If she chooses the reduced
paid-up option what will be the result? ANS A paid up permanent policy
purchased with<\/p>\n\n\n\n
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$10,000
6.Total disability can be defined as the insureds inability to perform the
occupation for which he or she is reasonably qualified by education
training or experience for disability income insurance purposes this
definition is what ANS Own occupation
7.Why are insurance contracts said to be contracts of adhesion ANS Thecontract has been prepared by one party the insurer and the otherparty which is the insured must accept the contract as written<\/p>\n\n\n\n
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permanent insurance ANS Convertible term
12.Trent has a permanent partial disability where he is paid 50% of
his previous income. Trent is covered by a ANS Residual disability
benefit
13.Which of these actions could result in a lapsed policy ANS Premium
was not paid during the grace period<\/p>\n\n\n\n
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Alabama Life and Health Insurance Final Exam
2023 – 2024 (Verified)
1.replacement regulation does not apply to ANS credit life insurance
2.a policy owner can collect the face amount on what type of policy? ANS
endow- ment policy<\/p>\n\n\n\n
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a felony, inquires sustained while serving in the military, self-inflicted
injuries
7.in regards to a life insurance policy or an annuity contract, all
statements made on the application are considered to be ANS
representations
8.an accidental death rider claim is usually paid if the insured ANS dies
within 90 days of the accident
9.an insurance premium can be defined as ANS money paid to an
insurance com- pany for benefits provided in the policy
10.what is a disability income policy designed to do? ANS pay benefits to
maintain the insured’s current standard of living
11.an insurance producer must have which of the following in order to sell
variable life insurance policies? ANS all of these ANS registered with
FINRA, license for variable life and annuities contracts, a valid
insurance license
12.what is a certificate of insurance? ANS a certificate is issued to each
individual covered by the group life insurance<\/p>\n\n\n\n
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13.which of the following statements about a noncancellable policy
is FALSE? ANS the premium rate CAN be increased over time
14.what does the insurance company represent? ANS the insurance
company
15.an insurer pays a large claim for medical expenses after the insured has
only made one premium payment. this is an example of a(n) ANS aleatory
contract
16.an insured owns a policy which includes a disability income rider. the
disability benefit amount paid to the insured is based on the ANS face
amount of the policy
17.how are employer-paid premiums for employee group health insurance
normally treated for tax purposes? ANS tax deductible to the
employer\/nontaxable to the employee
18.which of the following events would allow a policyowner with aguaranteed insurability rider purchase additional life insurance? ANS all ofthese ANS having a child, getting married, reaching a specified agestated in the policy<\/p>\n\n\n\n
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Alabama Life & Health Insurance Exam
2023 – 2024 (Verified)
1.Insurance is defined as the transfer of risk to the
insurance company in consideration for a premium.: Pure
2.The chance of loss without any chance of gain is called :
Pure Risk
3.has the possibility for gain or loss and is not insurable.: Speculative Risk
4.is defined as the chance of loss.: Risk
5.A condition that could result in a loss is known as: Exposure
6.is something that increases the chance of loss.: Hazard<\/p>\n\n\n\n
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8.defined as a cause of loss, such as fire.: Peril
9.To be insurable, losses must be .: Calculable
10.allows insurers to predict claims more accurately.: Law of Large
Numbers
11.The law of large numbers applies to .: Groups of people,
not individuals
12.The law of large numbers applies to groups of people, not to
individuals. The more people in the group .: the more accurate the
predic- tions are
13.Most insurers buy to protect themselves in the event
of a .: reinsurance , catastrophic loss
14.are not required to be uniform from one state to another.: Insurance laws15.dividends to its shareholders (stockholders), but they may not be
guaran- teed.: Stock insurer may pay<\/p>\n\n\n\n
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16.Stock insurers pay the dividends to its shareholders (stockholders),
are they guaranteed.: No
17.A reciprocal insurance company is managed by an: attorney-in-fact
18.An unincorporated association of individuals who insure each other
is known as a: Reciprocal Insurers
19.The government offers insurance primarily based upon: social needs,such as flood insurance and workers compensation
20.The government offers insurance primarily based upon social needs
and not: preventing fraud
21.company has their home office in another state: Foreign
22.company has their home office in another country: Alien
23.Key Person disability income policy, premium payments: Are made by
the business and are not tax-deductible
24.Claims other than death benefits are to be paid to the ,
unless otherwise assigned by the insured.: insured or the insured’s
estate<\/p>\n\n\n\n
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25.An insurance contract is in that only one of the parties to
the contract is legally bound to do anything.: unilateral
26.insurer: If forms are not furnished, written proof of the occurrence,
nature of the loss, and extent of loss must be submitted to the
27.If a distribution is made for a reason other than to pay for qualified
medical expenses, the amount withdrawn will be subject to an income tax
and an additional: 20% tax
28.Medicare supplement policies (Medigap) do not cover the cost of:
extended nursing home care
29.to fill the gap in coverage attributable to Medicare’s deductibles,
copay- ment requirements, and benefit periods. These plans are issued by
private insurance companies.: Medigap plans are designed
30.to either continue group coverage and defer Medicare until retirement,
or switch to Medicare.: If a person is still employed at the age of 65, he
or she may choose
31.non-controlled business: The purpose of a license is to primarily write
32.When producer was reviewing a potential customers coverage written
by another company the producer made several remarks that were
maliciously critical of that other insurer. The producer count be found guilty
of (oral or written remarks): Defamation
33.What policy characteristics of a Major Medical Expense don’t EXCEPT:<\/p>\n\n\n\n
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Alabama Life and Health Insurance Final Exam
2023 – 2024 (Verified)
1.John has recently died and it was discovered that he was actually ten
years older than what was listed on his life insurance policy. What will the
insurer pay his beneficiary? ANS The amount of insurance that his
premiums would have purchased at his correct age
2.Which of the following is considered the “automatic” Nonforfeiture
Option that most insurers will use? ANS Extended term<\/p>\n\n\n\n
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5.The monthly benefit of an Annuity Certain is determined by ANS The
annuitant’s payout period selection<\/p>\n\n\n\n
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11.Alabama’s continuing education law states that an insurance
producer must report how many classroom hours every two years? ANS
24
12.Mortgage protection is typically covered with ANS Decreasing term
13.A departing employee has decided to continue his group coverage
through COBRA. Who pays the premium in this situation? ANS Employee
14.Kim has purchased a straight life annuity. What will this type of
annuity provide her with? ANS A periodic income to the annuitant for
life
15.According to Required Provision 4, when an insured applies forreinstate- ment of a health policy and receives a conditional receipt, howlong does the insurer have to approve or deny? ANS Within 45 days of thedate of application
16.An example of a life insurance beneficiary is a(n) ANS Child, spouse, orcompa- ny of the insured.<\/p>\n\n\n\n
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Alabama Life & Health Insurance Exam
2023 – 2024 (Verified)
1.what law protects consumers from the circulation of inaccurate or
obsolete information ANS The Fair Credit Reporting Act
2.Insurers are classified according to their domicile. What are the 3 types
of insurers ANS domestic, foreign, and alien
3.what type of insurer is a voluntarily formed organization that provides
religious organizations with a representative form of government ANS
Fraternal insurer
4.the type of insurance company organized to return any surplus money
to its policyholders is known as what ANS mutual company
5.when agents act within the scope of their contract, their actions will
be assumed to be the actions of whom ANS Insurer
6.what is the name of the process that insurance companies use to<\/p>\n\n\n\n
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determine if an applicant is insurable ANS underwriting
7.if an insurer needs to obtain information about the applicant from
investiga- tors, what is the insurer required to do ANS provide the aplicant with a Disclosure Authorization Notice
8.what type of insurer is formed under the laws of another country ANS
Alien
9.when risks with higher probability of loss are seeking insurance more
often than other risks, is known as what ANS adverse selection
10.when does an insurance policy go into effect ANS when to policy is
delivered and the premium is paid.
11.according to the Law of Agency, a principal is represented by whom
ANS an agent or producer
12.what type of risk is insurable ANS pure
13.who owns stock companies ANS stockholders
14.what entities make up the Medical Information Bureau ANS Insurers<\/p>\n\n\n\n
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Alabama Life and Health Insurance Exam FX Simulation
2023 – 2024 (Verified)
1.Which of the following is NOT an allowable 1035 exchange ANS A
whole life insurance policy is exchanged for a term insurance policy.
2.Which of the following is NOT a type of information that needs to be
gathered in order to determine the value of someone’s life when using the
needs approach? ANS Estimated longevity
3.Which of the following would be the basic source of information used by
the company in the risk selection process? ANS Application
4.underwriting is a major consideration when an insured wishes to replace
her current policy for all of the following reasons EXCEPT ANS Premiums
always stay the same
5.What is the clause that describes the method of paying the death
benefit in the event that the insured and beneficiary are both killed in the
same accident? ANS Common Disaster Clause<\/p>\n\n\n\n
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6.The insured under a $100,000 life insurance policy with a triple indemnity
rider for accidental death was killed in a car accident. It was determined that
the accident was his fault. The triple indemnity rider in the policy specifies
that the death must not be contributed to by the insured in any manner. In
this case what will the policy beneficiary receive? ANS $100,000
7.How often must the Commissioner or an examiner designated by the
Com- missioner examine domestic insurance companies? ANS As often as
the commis- sioner deems necessary, but not less frequently than once
every 5 years
8.Which of the following provisions is mandatory for health insurance
poli- cies? ANS Physical examination and autopsy
9.At what point must an outline of coverage be delivered ANS At the
time of the application or upon delivery of the policy
10.Attempting to determine how much insurance an individual wouldrequire based upon their financial objectives is known as ANS NeedsApproach
11.On its advertisement, a company claims that it has funds in itspossession that are, in fact, not available for the payment of losses or
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claims. What is the company guilty of? ANS Misrepresentation
12.An insured has medical insurance coverage through 2 different
providers, both covering the same expenses on an expense-incurred basis.
Neither company knows in advance that the insured has coverage through
any other insurers. The insured submits a claim to both insurers. How
should the claim be handled? ANS Each insurer should pay a
proportionate share of the claim
13.Which is the appropriate action by the insurer if a prospective insured
submitted an incomplete application? ANS Return the application to the
applicant for completion<\/p>\n\n\n\n
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Alabama Life & Health Insurance Test
2023 – 2024 (Verified)
1.Which welfare program provides assistance to the needy? ANS Medicaid
2.Barbara has the right to change the beneficiary designation on her life
insurance policy. Barbara’s beneficiary is a(n) ANS revocable
beneficiary
3.Within how many calendar days must all clean electronic health
insurance claims be paid in Alabama? ANS 30
4.Which type of term policy allows the policyowner to switch to
permanent insurance? ANS Convertible term
5.What does renewable term guarantee? ANS The insured’s insurability
6.If an insured commits suicide, a life insurance policy’s face amount will
be paid only after the policy has been in force for at least ANS two years<\/p>\n\n\n\n
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7.Which of the following statements concerning a life insurance policy
is TRUE? ANS An issued policy can never be changed by a producer
8.The proceeds of a life insurance policy can be paid in a form other than
a lump-sum payment. These forms of payment are called ANS settlement
options
9.The withholding of facts in an insurance application is called ANS
concealment
10.A licensed Alabama insurance producer would NOT be disciplined by
the Commissioner of Insurance for ANS being convicted of a
misdemeanor
11.The option to convert term life insurance to a permanent form of
coverage can normally be executed ANS without proof of insurability
12.Which type of life insurance rider allows a policyowner to increase the
level of coverage to keep up with inflation? ANS cost of living rider
13.What is the minimum age requirement for a minor in Alabama to<\/p>\n\n\n\n
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purchase a life insurance policy? ANS 15
14.Which of the following best describes a Health Maintenance
Organization (HMO)? ANS Provides full medical services that stress
preventative medicine
15.Medicare Advantage (Medicare Part C) allows the utilization of
benefits through a(n) ANS HMO, PPO, or traditional insurer
16.Pat the producer just sold an insurance policy to a client, explaining that
he has authority to issue the policy. Pat was not specifically granted this
power from the insurance company. Pat is exercising ANS implied
authority
17.A disability policy that must be renewed, cannot be cancelled until age65, and may not have an increase in premium for any reason is called a(n)ANS non- cancellable policy
18.Benefits under a health insurance policy may (with the insured’s
written request) be payable to ANS a hospital, physician, or surgeon
19.Bart is injured and provides notice of a health claim to his insurer. He
later receives the required claims forms. Within how many days of the loss<\/p>\n\n\n\n
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Alabama Life & Health Insurance Exam2023 – 2024 (Verified)
1.Which of the following would be considered a speculative risk ANS The
possi- bility the painting you bought might be a long-lost masterpiece
A speculative risk is one in which there is a chance for either loss or
gain. Example: Gambling, Casino’s, Lottery, etc. All of the other choices describe pure risk, where there is no chance of gain, only a chance of
loss exists.
2.Which is the proper term for a company owned by its policy owners
ANS A mutual insurance company
3.A producer who is acting as an agent is representing ANS Always the
insurer
4.All of the following are elements of a contract, except ANS Authority
All enforceable contracts must include these characteristics: offer and<\/p>\n\n\n\n
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acceptance (agreement), considerations, competent parties, and legal
purpose. Authority is not considered one of the elements of a legal
contract.<\/p>\n\n\n\n
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9.An insurance contract is an aleatory contract. This means ANS Equal
value is not given by both parties to the contract
Aleatory: contract of unequal values exchanged
10.The market is a private source of coverage of last
resort for individuals or businesses that have been rejected by voluntary
market insurers ANS Residual<\/p>\n\n\n\n
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11.To address adverse selection what can an insurer legally do ANS
Establish and enforce sound underwriting practices
Underwriting helps to protect the insurer against adverse selection
and accepting risks that are more likely than average to suffer losses.
12.A contract that is drafted by an insurer and receives no input or
alteration from the insured, is considered a(n) ANS Contract of Adhesion<\/p>\n\n\n\n
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Alabama Life & Health Insurance XCEL Testing Solutions
2023 – 2024 (Verified)
1.The life and health insurance marketing system utilizing non-employee
agents that represent just one insurance company and are often paid an
allowance to cover office expense and staffing is known as what? ANS the
general agency system.
2.Dividends payable to a policyowner are declared by? ANS the insurance
company
3.A nonprofit incorporated society that doesn’t have capital stock and
oper- ates for the sole benefit of its members is known as what? ANS
fraternal benefit society
4.Insurance policies issued by companies which are owned by
stockholders and do not pay policy dividends are known as what? ANS nonparticipating policies
5.Insurance policies issued by companies which allow their policyowners
to participate in the favorable experience of the company through payment<\/p>\n\n\n\n
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of dividends are known as what? ANS participating policies
6.A life insurance producer’s agency agreement normally authorizes the
li- censee to do what? ANS Solicit and sell insurance, collect premiums
7.Who issues policies? ANS the insurer
8.People with higher loss exposure have the tendency to purchase
insurance more often than those at average risk. This is called? ANS
adverse selection
9.With respect to an insurance application\u2026. ANS a representation is
valid as long as its true.
10.Pat the producer just sold an insurance policy to a client, explaining that
he has authority to issue the policy. Pat was not specifically granted this
power from the insurance company. Pat is exercising what? ANS implied
authority
11.Why are insurance contracts said to be contracts of adhesion? ANS One
party writes the contract, and the other party must accept the contract
as written.
12.The agreement between a producer and the insurance company
specifies the authority given to a producer to act on behalf of the insurer.<\/p>\n\n\n\n
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What is this called? ANS Expressed authority
13.How do term life insurance and whole life insurance differ? ANS Term
insurance does not build cash value.
14.Who can collect the face amount on an endowment policy? ANS the
policyown- er.
15.A policyowner can collect the face amount on what kind of policy? ANS
endow- ment policy
16.What life insurance policy would build up cash value the fastest? ANS
single premium
17.Mortgage protection is typically covered with? ANS decreasing term
life insur- ance<\/p>\n\n\n\n
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18.With an initial face amount of $50,000, and a value of $5,000, the
actual death benefit would be? ANS $55,000
19.Which option would the beneficiary receive the death benefit plus
the accumulated cash value? ANS increasing death benefit option
20.At what age does a whole life policy endow? ANS 100
21.Tim has a Universal Life policy. What is the cash value growth in
his policy? ANS interest sensitive
22.In an adjustable life policy, what may be adjusted to meet the
policyholder’s needs? ANS frequency of premium payments, amount of
payment, policy’s face amount
23.What can NOT be adjusted in an adjustable life policy? ANS the insured
24.Which of the following combines insurance protection with a cash
accu- mulation? ANS permanent insurance
25.With term life insurance, what remains the same throughout the
policy period? ANS a level premium<\/p>\n\n\n\n
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Alabama Life & Health Insurance Practice Exam
2023 – 2024 (Verified)
1.Insurance is a method risk is transferred to an insurer for consideration
up to ANS a predetermined limit.
2.Which of the following would be considered proper establishment of
insur- able interest in the life insurance area? ANS 1. spouses in each
other
2.parents in their children
3.creditors in their debtors
3.Which of the following statements about the average number of people
who die each year is true? ANS It is called the mortality rate
4.An insurance contract is an aleatory contract. This means ANS Equal
value is not necessarily given by both parties to the contract
5.A life insurance policy is a unilateral contract because ANS Only the
insurance company is bound to live up to its side of the agreement<\/p>\n\n\n\n
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6.All of the following are elements of a contract ANS 1. Legal purpose
2.Offer and acceptance
3.Consideration
7.A company that has not received permission from an Insurance Commissioner to do business in his or her state is called a\/an ANS Unauthorized
company
8.Misrepresentation is ANS A written or oral statement which is false
9.The chance that a person who anticipates a loss will purchase
insurance is ANS Adverse Selection
10.Assuming a deductible with your insurance policy is which type of
risk management technique? ANS Assumption of risk
11.In the Health-Disability area we use what type data to produce rates?
ANS Mor- bidity tables
12.A company that is licensed to sell insurance in a particular state is
ANS An authorized company
13.he most effective way to ensure that the applicant will accept the policy<\/p>\n\n\n\n
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when it is issued is ANS To have the applicant pay the initial premium
at the time of application
14.Which is the proper term for a company owned by its policy owner?
ANS A mutual insurance company
15.The punishment for fraud or making false statements may include ANS
Fines, imprisonment or both
16.A producer who is acting as an agent is representing ANS Always the
insurer
17.The premium paid and the statements on the application to the
insurance company is called ANS consideration
18.In life insurance the insurable interest requirements is generally
satisfied if ANS the policy owner must expect to suffer a loss if the
insured dies.<\/p>\n\n\n\n
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19.Each of the following would be an element in the definition of fraud
ANS 1. Statements relied upon by a second party who then suffers a
loss
2.Intent to gain advantage
3.An intentional misrepresentation made by the applicant
20.Risk may be defined as ANS The uncertainty of loss
21.A father did not reveal that his daughter suffers from asthma on the
application for a health policy. In order to avoid paying a claim the
insurer must ANS prove this was both intentional and material
22.In order to be valid, a contract must be between individuals considered
legally able to enter into an agreement. This principle is known as ANS
competent parties
23.When signing the application form, the proposed insured is ANS
Making a formal request to the company for an insurance policy.
24.What constitutes an entire insurance contract? ANS The policy, its
endorse- ments, and any attached papers
25.T\/F Misrepresentations on the part of an applicant as to the health or<\/p>\n","protected":false},"excerpt":{"rendered":"
Alabama Life and Health Insurance Exam’s and Final Exam’s Qs & As (2023 \/ 2024) BUNDLE TOGETHER 1 \/ 7Alabama Life and Health Insurance Final ExamPractice Questions 2023 – 2024 (Verified)1.The minimum grace period for a life insurance policy sold in Alabama isANS 30 days2.Alabama’s annuity disclosure regulation ANS Requires the delivery of abuyer’s guide […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[25],"tags":[],"class_list":["post-119494","post","type-post","status-publish","format-standard","hentry","category-exams-certification"],"_links":{"self":[{"href":"https:\/\/www.learnexams.com\/blog\/wp-json\/wp\/v2\/posts\/119494","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.learnexams.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.learnexams.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.learnexams.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.learnexams.com\/blog\/wp-json\/wp\/v2\/comments?post=119494"}],"version-history":[{"count":0,"href":"https:\/\/www.learnexams.com\/blog\/wp-json\/wp\/v2\/posts\/119494\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.learnexams.com\/blog\/wp-json\/wp\/v2\/media?parent=119494"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.learnexams.com\/blog\/wp-json\/wp\/v2\/categories?post=119494"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.learnexams.com\/blog\/wp-json\/wp\/v2\/tags?post=119494"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}