Final Exam: California Life, Accident, and Health Insurance with complete solution

Final Exam: California Life, Accident, and Health Insurance with complete solution
Question : Which of the following statements regarding a life
insurance policy dividend is TRUE?
Correct answer: It is the distribution of excess of funds
accumulated by the insurer on participating policies.
Question : Which of the following is NOT a characteristic of
reinsurance?
Correct answer: Increases the unearned premium reserve
Question : Which of the following is a contract that involves
one party which indemnifies another when a loss arises from
an unknown event?
Correct answer: Insurance policy
Question : Manuel is considered to be a disabled person as
defined by the Americans with Disabilities Act (ADA). As
such, he is unable to perform any of the following life
activities EXCEPT
Correct answer: Driving
Question : Which of the following is NOT a provision in a
disability income policy?
Correct answer: Deductible and coinsurance provision

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