保险基本原理第 581 / 716 题
The Medical Information Bureau (MIB) assists insurers by:
a.Selling life and health insurance policies directly to consumers on behalf of its member insurance companies
b.Providing coded information about prior findings that may signal the need for further investigation
c.Setting the premium rates that member insurers must charge
d.Guaranteeing that qualified applicants receive coverage
解析
MIB is a nonprofit clearinghouse whose coded member reports flag inconsistencies that warrant closer underwriting review. It does not guarantee coverage, set rates, or sell insurance.
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同考点相关题目
- Which relationship most clearly satisfies insurable interest for a life insurance policy?
- Insurers combat adverse selection primarily through:
- The producer's role in field underwriting includes:
- 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:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)