PA-Life-Accident-and-Health 試験問題を無料オンラインアクセス

An insured named her four children as beneficiaries in equal shares to her $60,000 life insurance policy. Her eldest child has two children and dies prior to the insured. The other three children do not have children of their own. If the insured designated the beneficiaries per capita, how will the proceeds be distributed?

• A.The three surviving children will each receive $15,000. The remaining $15,000 will be paid to the insured's estate.
• B.The three surviving children will each receive $15,000.
• C.The three surviving children will each receive $20,000.
• D.The three surviving children will each receive $15,000. The insured's grandchildren will each receive
  $7,500.

The Commissioner may take disciplinary action against a licensee for any of the following reasons EXCEPT:

• A.Making untrue statements in the license application
• B.Violating any insurance law
• C.Committing unfair trade practices
• D.Being convicted of a summary offense

An Insurer, in general business practice, fails to promptly provide a reasonable explanation for the denial of a claim. This is considered to be

• A.a contractual liability.
• B.an unfair claim settlement practice.
• C.a violation of the grace period provision.
• D.a fraudulent insurance act.

An insured has a 20-pay life policy with a paid-up dividend option. In this option, the insured may

• A.pay up the policy early by using accumulated cash values.
• B.waive premium payments until the policy has accumulated enough cash values to pay it up for 20 years.
• C.pay up the policy early by using policy dividends.
• D.use policy dividends to reduce the premium after 20 years.

Within how many days does the free-look provision allow the insured the right to return a long-term care policy for full premium?

• A.10
• B.15
• C.30
• D.5