Life-Producer 試験問題を無料オンラインアクセス

One factor in premium determination is the expenses of the:

• A.Policy beneficiary
• B.Policy owner
• C.Producer
• D.Insurer

All of the following are common underwriting factors used by life insurance companies EXCEPT:

• A.Driving record
• B.Amount of insurance applied for
• C.Ethnic heritage
• D.Family health history

A life insurance policy beneficiary's life expectancy has a direct bearing upon:

• A.The policy value that will be includable in the insured's estate
• B.The taxable portion of each benefit payment under a life income settlement option
• C.The premium rate for each $1,000 of face amount
• D.The total amount payable under the policy as a result of the insured's death

Splitting the commission with the buyer on a sale of insurance is an unfair trade practice known as:

• A.Binding
• B.Twisting
• C.Soliciting
• D.Rebating

In surrendering a life insurance contract for its cash value, the total of premiums paid less the total of any dividends received in cash or used to offset premiums is:

• A.The cash value
• B.The loan value
• C.The gross proceeds
• D.The cost basis