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LH Chapter 9 FL Manual

Quiz by Brian Morton

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6 questions
Show answers
  • Q1
    If a medical report is required on an applicant, it is completed by
    The home office medical director
    The agent
    A paramedic or examining physician
    A home office underwriter
    60s
  • Q2
    Which of the following statements pertaining to the Medical Information Bureau (MIB) is CORRECT?
    Applicants may request that MIB reports be attached to their policies
    Information obtained by the MIB is available to all physicians
    The MIB provides assistance in the underwriting of life insurance
    The MIB is operated by a national network of hospitals
    60s
  • Q3
    Which of the following statements regarding the Fair Credit Reporting Act (FCRA) is CORRECT?
    Applicants must be notified within a short period of time that their credit report has been requested
    If requested to do so, the insurance company must provide the actual consumer report to the applicant
    If an applicant for insurance is rejected based on a consumer report, the name of the reporting agency must be kept confidential
    Consumer reports are final in nature and cannot be disputed by an applicant
    60s
  • Q4
    Elaine signs an application for a $50,000 nonmedical life policy, pays the first premium, and receives a conditional insurability receipt. If Elaine were killed in an auto accident two days later
    The premium would be returned to Elaine’s family because the policy had not been issued
    The company could reject the death claim because the underwriting process was never completed
    Her beneficiary would receive $50,000, if Elaine qualified for the policy as applied for
    The company could reject the application on the basis that death was accidental
    60s
  • Q5
    Generally, the party who delivers an insurance policy to the new policyowner is
    The sales agent
    The insurance company’s home office
    The state’s chief financial officer
    The underwriter
    60s
  • Q6
    The primary distinction between the insurability and approval types of conditional receipts is when
    The coverage goes into effect
    The applicant proves insurable
    The applicant pays the initial premium
    The medical exam is given
    60s

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