最新的Insurance Licensing Life-and-Accident-and-Health-or-Sickness-Producer-Combo免費考試真題

問題1

Under the minimum distribution requirement, a qualified retirement plan must distribute at least a certain amount each year after a retired participant attains age:

A. 70½

B. 65

C. 59½

D. 62

正確答案: A

說明：（僅 Fast2test 成員可見）

問題2

Which one of the following statements about the automatic premium loan (APL) provision in a life insurance policy is true?

A. It provides for a series of bank loans to finance the purchase of split-dollar life insurance

B. It is a required provision that provides for the purchase of additional insurance at guaranteed rates

C. It provides for a policy loan to pay any premium not paid by the end of the grace period

D. It waives policy premiums if the policyowner becomes totally and permanently disabled

正確答案: C

說明：（僅 Fast2test 成員可見）

問題3

Which amount may be deposited into a rollover individual retirement account (IRA) for the purpose of deferring income taxes?

A. The refund received by the beneficiary under a refund life annuity

B. The amount paid to the spouse of a deceased annuitant under a tax-sheltered annuity

C. The proceeds of a life insurance policy paid to a beneficiary under age 70-1/2

D. The value of an IRA established by the beneficiary's deceased parent

正確答案: B

說明：（僅 Fast2test 成員可見）

問題4

Which statement describes the most likely federal income tax treatment of death benefits paid to the family of an insured under an accident and health insurance policy?

A. All benefits will be taxable

B. Taxation depends on the beneficiary's tax bracket

C. Benefits will not be taxable

D. Some benefits will usually be taxable

正確答案: C

說明：（僅 Fast2test 成員可見）

問題5

All of the following are true of insurance EXCEPT:

A. It eliminates risk

B. It protects against uncertainty

C. It transfers risk

D. It is a means of sharing losses

正確答案: A

說明：（僅 Fast2test 成員可見）

問題6

When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

A. Health maintenance organization

B. Disability income

C. Dental

D. Major medical

正確答案: B

說明：（僅 Fast2test 成員可見）

問題7

A definite and unqualified proposal of contract terms by one party to another is:

A. An oral contract

B. An offer

C. An agreement

D. A binder

正確答案: B

說明：（僅 Fast2test 成員可見）

問題8

Which of the following reinforces the rule that ambiguities in insurance contracts should be interpreted in favor of the policyholder?

A. Retrocession

B. Reasonable expectations

C. Representation

D. Retention

正確答案: B

說明：（僅 Fast2test 成員可見）

問題9

If an employer with 200 employees wants to offer health insurance and calls a SHOP Exchange Navigator, what should the navigator do?

A. Refer the employer to the carrier where a friend works

B. Refer the employer to the Maryland Insurance Administration

C. Refer the employer to a licensed insurance producer

D. Help the employer sign-up through the SHOP Exchange

正確答案: C

說明：（僅 Fast2test 成員可見）

問題10

Which of the following is a requirement of an insurable risk?

A. The loss must be intentional.

B. The chance of loss must be calculable.

C. The loss must be catastrophic.

D. There must be a large number of different loss exposures.

正確答案: B

說明：（僅 Fast2test 成員可見）

問題11

The phrase, " this policy pays $1,800 for hospital room and board expenses, " should include the:

A. Maximum daily benefit and the maximum time limit for hospital room and board expenses

B. Minimum daily benefit and the minimum time limit for hospital room and board expenses

C. Minimum daily benefit and the maximum time limit for hospital room and board expenses

D. Maximum daily benefit and the minimum time limit for hospital room and board expenses

正確答案: A

說明：（僅 Fast2test 成員可見）

最新的Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 - Life-and-Accident-and-Health-or-Sickness-Producer-Combo免費考試真題

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