Nguyên tắc bảo hiểm chungCâu 587 / 716
An applicant with better-than-average health and lifestyle who qualifies for the lowest available rates is classified as a:
a.Standard risk
b.Declined risk
c.Substandard risk
d.Preferred risk
Giải thích
A preferred risk presents lower-than-average risk and earns the best rates. Standard is average, substandard is higher risk at higher cost, and declined means coverage is refused.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- If an insurer takes adverse action (declines or rates coverage) based on a consumer report, the FCRA requires the insurer to:
- An investigative consumer report differs from an ordinary consumer report because it:
- HIPAA privacy rules require insurers to:
- A substandard (rated) risk is one who:
- Statements an applicant makes on a life or health application are generally treated as:
- A misrepresentation on an application will let the insurer void the contract during the contestable period only if the misrepresentation is:
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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)