保险基本原理第 596 / 716 题
Churning differs from twisting in that churning involves:
a.Replacing a policy with coverage from a different insurer
b.Rebating part of the premium to the client
c.Deliberately overstating the applicant's age on the application so that a higher premium and larger commission can be charged
d.Using the values of a policyholder's existing policy with the SAME insurer to buy a new one, generating a commission
解析
Churning is replacement within the same insurer, using an existing policy's values to fund a new sale. Twisting typically involves a different insurer; rebating and age misstatement are separate violations.
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同考点相关题目
- Estoppel refers to:
- Rebating, which most states prohibit as an unfair trade practice, involves:
- Twisting is a prohibited practice in which a producer:
- Making false or maliciously critical statements about another insurer's financial condition is the prohibited practice of:
- Requiring a borrower to buy insurance from a particular agent as a condition of receiving a loan is an example of:
- A producer who holds premiums collected from clients before remitting them to the insurer is acting in a ________ capacity and must not commingle those funds:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)