All of the following are examples of unfair claims settlement practices EXCEPT:
A. Failing to promptly provide a reason for a claim denial
B. Refusing arbitrarily and unreasonably to pay claims
C. Misrepresenting pertinent facts of coverage
D. Denying unsubstantiated claims on a timely basis
正解:D
解説: (Pass4Test メンバーにのみ表示されます)
質問 2:
An accident and health insurance producer is most likely to become liable for professional errors and omissions as the result of:
A. Submitting a premium payment to an insurer in excess of the required amount
B. Misleading a prospective insured in replacing accident and health insurance
C. An accounting error discovered by the producer's accountant
D. Incorrect filing of federal income taxes
正解:B
解説: (Pass4Test メンバーにのみ表示されます)
質問 3:
Under which marketing system do insurers solicit customers by mass media advertising and mail without the services of a producer?
A. Contingent
B. Direct response
C. Captive agent
D. Branch office
正解:B
解説: (Pass4Test メンバーにのみ表示されます)
質問 4:
The Maryland Insurance Administration is an agency of the:
A. Maryland General Assembly
B. National Association of Insurance Commissioners
C. State government
D. Federal government
正解:C
解説: (Pass4Test メンバーにのみ表示されます)
質問 5:
An insured incurs a covered accident and health insurance loss on May 30, which is submitted to the insurer on June 8. If the insured terminated coverage on June 1, the insurer:
A. Can refuse to pay the claim under the pre-existing conditions exclusion
B. Must pay the claim within one year of termination of coverage
C. Can refuse to pay the claim because coverage has been terminated
D. Must pay the claim upon receipt of the proof of loss
正解:D
解説: (Pass4Test メンバーにのみ表示されます)
質問 6:
A producer may be guilty of misrepresentation if the producer:
A. Required timely written notice of loss for all claims
B. Denied a claim for failure of the policyholder to prove damages
C. Issued a full settlement check expressly releasing the insurer
D. Failed to disclose exclusions of the policy
正解:D
解説: (Pass4Test メンバーにのみ表示されます)
質問 7:
Which feature in a long-term care insurance policy is designed specifically to provide benefits at times when family members need a break from caring for the insured?
A. Custodial facility care
B. Skilled nursing facility care
C. Respite care
D. Home health care
正解:C
解説: (Pass4Test メンバーにのみ表示されます)
神保** -
Accident-and-Health-or-Sickness-Producer問題集の内容はわかりやすく、本番試験にも役に立ちました。一回目の試験にMaryland Insurance Administrationの商品を選択して良かった。合格ぅぅ!!