Insurance Licensing Certification Life-and-Accident-and-Health-or-Sickness-Producer-Combo Braindumps

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Insurance Licensing Life and Accident and Health or Sickness Producer - Combo Series 20-30 Sample Questions:

1. In determining the payment of accelerated life insurance benefits, all of the following are considered activities of daily living EXCEPT:

A) Speaking
B) Bathing
C) Eating
D) Dressing

2. Which contract offers flexible deposits, deferred taxation, a guaranteed minimum interest rate, and death proceeds equal to the cash value?

A) A flexible premium fixed annuity
B) An adjustable whole life insurance policy
C) A universal life insurance policy
D) Available deferred annuity

3. All of the following are characteristics of a preferred risk applicant for disability income insurance EXCEPT:

A) Non-smoker
B) Non-hazardous occupation
C) High income
D) Physically active

4. Which of the following statements about cash values in whole life insurance policies is true?

A) They result from the level premium concept.
B) They cannot be guaranteed.
C) They typically increase until age 65 and remain level thereafter.
D) They equal the policy face value at age 65.

5. Advertisements in general shall be:

A) Truthful
B) Clear only by implication
C) Approved by the Insurance Commissioner
D) Clear only by familiarity with insurance terminology

Solutions: