최신 InsNV_Health02 무료덤프 - Insurance Licensing NV Accident and Health

문제1

Which of the following situations describes a representation?

A. An insurance company guarantees that policy benefits will be paid promptly on receipt of a Proof of Loss

B. A prospect ' s statement on an application that is held to be substantially true

C. A prospect ' s statement on an application that is held to be absolutely true

D. An insurance company guarantees that premiums paid will be refunded within 30 days after the policy ' s effective date if an insured is dissatisfied with the policy

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제2

In order to be covered under the Nevada Life and Health Insurance Guaranty Association, an insurance company MUST be:

A. alien

B. a fraternal benefit society

C. rated by AM Best

D. admitted

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제3

The Affordable Care Act (ACA) requires every individual policy to provide minimum coverages known as:

A. Gold Value coverages

B. Medicaid Buy-Back coverage

C. Essential Health Benefits

D. Silver Saver Value coverages

정답: C

설명: (DumpTOP 회원만 볼 수 있음)

문제4

For an individual health insurance policy, which document is generally part of the entire contract when a copy is attached to or endorsed on the policy?

A. A verbal statement made by the applicant

B. An advertisement used during the sale

C. A producer's personal notes

D. The application

정답: D

설명: (DumpTOP 회원만 볼 수 있음)

문제5

Which of the following statements is CORRECT about Medicare?

A. It provides benefits to totally disabled persons only.

B. It is a hospital and medical expense insurance program.

C. Its Part A provides payment for physicians ' bills.

D. It is a medical assistance program.

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제6

Which of the following statements is CORRECT about Business Overhead Expense insurance?

A. It covers eligible expenses for staff, rent, and utilities.

B. It can be obtained only by corporations.

C. It reimburses the policyowner for loss of income.

D. It covers eligible expenses for staff only.

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

문제7

Under the Guaranteed Renewable provision in a policy issued to a group of persons having a common occupation, an insurance company may NOT terminate coverage on a group member if the member:

A. reaches the age specified in the policy

B. becomes disabled

C. ceases to fall within the eligible classification

D. ceases to be actively employed

정답: B

설명: (DumpTOP 회원만 볼 수 있음)

문제8

Which underwriting duty is most directly performed by a producer during a life insurance application interview?

A. Gathering complete application information and observing apparent risk factors

B. Paying claims from insurer reserves

C. Determining the insurer's final premium classification

D. Approving all policy loans

정답: A

설명: (DumpTOP 회원만 볼 수 있음)

최신 InsNV_Health02 무료덤프 - Insurance Licensing NV Accident and Health

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