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Virtual VA Unit 16 Module 158 Life Insurance
Test Description: Virtual VA Unit 16 module 158 Life Insurance
Instructions: Answer all questions to get your test result.
1) People who do not necessarily need insurance typically have a combination of the following:
A
dependents (children, elderly parents, ill or disabled family members, spouses who do not or cannot work) mortgages (house pa
B
beneficiary
C
Group as many people as possible into the same risk pool
D
no dependents (no children or grown children, working spouses, or healthy family members)
2) Which of the following factors do insurance companies use to determine the potential risk of an applicant?
A
Age, gender, and health
B
Term Life Insurance
C
lower the premium.
D
beneficiary
3) People who do need life insurance typically have a combination of the following:
A
Managed care health plan HMO or PPO
B
no dependents (no children or grown children, working spouses, or healthy family members)
C
beneficiary
D
dependents (children, elderly parents, ill or disabled family members, spouses who do not or cannot work)
4) When Jessie needs health care, she must first go to her primary care physician who coordinates her care and decides whether Jessie should see a specialist. Jessie has which type of health insurance?
A
lower the premium.
B
Managed care health plan HMO or PPO
C
Term Life Insurance
D
no dependents (no children or grown children, working spouses, or healthy family members)
5) A $250 ______, means the person will have to pay the first $250 out of pocket before an insurer will pay any expenses.
A
Losses resulting from an illness, accident, or disability
B
Dependent
C
Actuary
D
deductible
6) Lucy has no insurance. The situation(s) should she consider insuring against first are:
A
Losses resulting from an illness, accident, or disability
B
Age, gender, and health
C
Losses resulting from an illness, accident, or disability
D
deductible
7) Generally, the higher the deductible on an insurance policy, the
A
Actuary
B
Managed care health plan HMO or PPO
C
lower the premium.
D
Types of Permanent Insurance and Universal life
8) whole life insurance Universal life
A
whole life insurance
B
lower the premium.
C
Term Life Insurance
D
Types of Permanent Insurance
9) One who benefits from something; a person who is left money or other property in a will or the like
A
Dependent
B
Actuary
C
beneficiary
D
deductible
10) Life insurance Policy that accumulates cash value.,and it last your entire life
A
all of the above
B
Term Life Insurance
C
Types of Permanent Insurance
D
whole life insurance
11) A Policy that accumulates no cash value. has an end date. Only last for a specific time period.
A
whole life insurance
B
Dependent
C
Term Life Insurance
D
Types of Permanent Insurance
*select an answer for all questions
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