保险基本原理第 585 / 716 题
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
解析
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.
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同考点相关题目
- 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:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)