CA-LIFE-ACCIDENT-AND-HEALTH NEW DUMPS PDF & RELIABLE CA-LIFE-ACCIDENT-AND-HEALTH DUMPS FREE

CA-Life-Accident-and-Health New Dumps Pdf & Reliable CA-Life-Accident-and-Health Dumps Free

CA-Life-Accident-and-Health New Dumps Pdf & Reliable CA-Life-Accident-and-Health Dumps Free

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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions (Q36-Q41):

NEW QUESTION # 36
Why is having a large number of similar exposure units important to an insurer?

  • A. The greater the number insured, the more premium is collected to help cover losses.
  • B. The greater the number insured, the more accurately the insurer can predict losses and set appropriate premiums.
  • C. The greater the number insured, the more premium is collected to offset fixed costs.
  • D. The insured increases its market share with every insured.

Answer: B

Explanation:
Law of Large Numbers: This principle states that the larger the group of similar exposure units (insured individuals or properties), the more predictable the overall loss experience becomes.
Risk Pooling: By insuring a large number of similar units, insurers can better estimate the probability of losses and set premiums that are appropriate to cover these losses while remaining competitive.
Premium Calculation: Accurate loss predictions help insurers set premiums that are sufficient to cover claims while maintaining financial stability.
Importance of Similar Exposure Units: Having a large pool of similar risks allows for better risk management and more stable financial outcomes for the insurer.References: California Insurance Code Section 922.3 and related regulations discuss the importance of the law of large numbers and risk pooling in the context of insurance.


NEW QUESTION # 37
The insured is totally and permanently disabled. The insured's policy continues in force without payment of further premiums because the policy contains a

  • A. grace period provision.
  • B. guaranteed insurability provision.
  • C. reinstatement provision.
  • D. waiver of premium provision.

Answer: D

Explanation:
* Definition: The waiver of premium provision is a clause in insurance policies that allows the insured to stop paying premiums if they become totally and permanently disabled.
* Function: This provision ensures that the policy remains in force, providing continuous coverage without the financial burden of paying premiums during the period of disability.
* Eligibility: To qualify for this benefit, the insured must meet the policy's definition of total and permanent disability and may need to provide medical proof of their condition.
* Policy Types: This provision is commonly found in life insurance and disability income policies.
* Regulations: California insurance regulations mandate that insurers include specific criteria and definitions in policies with a waiver of premium provision to protect consumers.
References:
* California Department of Insurance guidelines on waiver of premium.
* Insurance policy provisions regarding disability.


NEW QUESTION # 38
All of the following are standard exclusions in individual disability income policies EXCEPT

  • A. preexisting conditions.
  • B. active military duty.
  • C. self-inflicted injuries.
  • D. accidental injuries.

Answer: D

Explanation:
Individual disability income policies typically include standard exclusions to limit coverage for certain situations. Common exclusions are self-inflicted injuries, preexisting conditions, and active military duty, as these scenarios present higher risks or are covered under other specific policies. Accidental injuries, however, are generally not excluded from coverage and are a fundamental part of what disability income insurance is designed to protect against. This ensures that the insured can receive benefits if they are unable to work due to unexpected and unintentional injuries.


NEW QUESTION # 39
California long-term care policies may be identified as any of the following EXCEPT

  • A. Comprehensive Long-Term Care.
  • B. Acute Hospital Care only.
  • C. Nursing Facility and Residential Care Facility only.
  • D. Home Care only.

Answer: B


NEW QUESTION # 40
Unintentional concealment entitles the injured party to which course of action, if any?

  • A. None, due to the fact that the concealment was unintentional.
  • B. $250 fine to be paid to the injured party.
  • C. Rescission of the contract.
  • D. Possible imprisonment to the party who concealed the information.

Answer: C

Explanation:
Unintentional concealment refers to the failure to disclose information without fraudulent intent. According to the California Insurance Code, even unintentional concealment entitles the injured party to rescind the contract (A). This means the injured party can void the contract and be relieved of all obligations under it due to the lack of full disclosure, ensuring fairness in the agreement.


NEW QUESTION # 41
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