Nguyên tắc bảo hiểm chungCâu 585 / 716
An investigative consumer report differs from an ordinary consumer report because it:
a.Contains no personal information about the applicant
b.Is based only on the applicant's credit file
c.Is gathered through personal interviews with the applicant's associates, neighbors, or acquaintances
d.Is prepared and personally signed by the applicant before it may be forwarded to the insurance company for review
Giải thích
An investigative consumer report adds information gathered through personal interviews about character, reputation, and lifestyle, going beyond a file-based consumer report. It is not applicant-prepared and does contain personal data.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
Own the complete California Life & Health Insurance Producer Exam guide — PDF + EPUB, $19.99 →
Câu hỏi liên quan cùng chủ đề
- In using MIB data, an insurer may NOT:
- Under the Fair Credit Reporting Act (FCRA), when an insurer obtains a consumer or investigative report on an applicant, the applicant:
- If an insurer takes adverse action (declines or rates coverage) based on a consumer report, the FCRA requires the insurer to:
- HIPAA privacy rules require insurers to:
- An applicant with better-than-average health and lifestyle who qualifies for the lowest available rates is classified as a:
- A substandard (rated) risk is one who:
Cập nhật gần nhất: · quy trình kiểm tra
Đội ngũ PrepPass · Đối chiếu với California Life & Health Insurance License Exam · Quy trình kiểm tra
Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)