CA-Life-Accident-and-Health 無料問題集「California Department of Insurance CA Life, Accident and Health or Sickness Examination」

（A）claimant.

（B）beneficiary.

（C）underinsured.

（D）injured.

（A）Amount the insured pays per unit of coverage (e.g., $10 per $1,000 of coverage).

（B）Money an insurer pays to an insured to obtain the benefits provided in the policy.

（C）Money an insured pays an insurer to obtain benefits provided in the policy.

（D）Bonus paid by an agent to convince an insured to buy a policy.

（A）It is covered by the employer's group disability insurance plan.

（B）It is covered by Social Security benefits.

（C）It is covered by the state Workers' Compensation program.

（D）It is covered by the employer's group health insurance plan.

（A）The employer.

（B）The licensee.

（C）The insurer.

（D）The Commissioner.

（A）Elimination period.

（B）Cost of living rider.

（C）Residual benefits.

（D）Automatic increase provision.

（A）actuaries use the tables to predict the number of deaths among a given number of people at a given age.

（B）the numbers in the tables are based on past experience.

（C）the tables track a group of people from the year they were born until they all die.

（D）the theory of probability is applied to numbers in the tables.

（A）prevents a beneficiary from assigning interest in policy proceeds.

（B）allows the payment of part of the death benefit for terminally ill insureds.

（C）assumes that the insured survived the beneficiary if both die in a common accident.

（D）requires the insurer to waive all premiums due when an insured is totally disabled.

（A）Breathing

（B）Working

（C）Driving

（D）Bathing

（A）increases the yearly dividend amount.

（B）decreases the length of time that premiums are payable.

（C）increases the policy's cash value.

（D）does not affect the policy's cash value.

（A）the needs approach.

（B）the human life value approach.

（C）mortality tables.

（D）morbidity tables.