Transcription of AffordableEducators - ceclass.com
1 AffordableEducators (800) 498-5100 Start Here 9 Hours 175 Market Conduct & Blunders $35 Web / $39 Book Discounts Avail- Satisfies Ethics Instructions Fill-in information below if you plan to fax or mail answers. Or, Submit Answers & get Certificates online at click My Account More Exams STEP 1: CLICK HERE TO PRINT EXAM AND ANSWER SHEET & Books at Name _____ E-Mail _____. Address: _____ Phone (_____ ) _____. STEP 2: CLICK HERE TO OPEN TEXTBOOK. THEN, SAVE IT 1. Review book. City _____ State _____ Zip _____ 2. Fill-in answers DEMO HERE. below. 3. Choose How To Calif.
2 License # _____. STEP 3: FINISH ANSWERS Type:OFFLINE, ___ Life ___ Health CLICK ___P&C Renewal THEM Date _____. IN HERE Send below. 4. Get results in 10. I certify I have reviewed the course book and completed this exam on my own. I agree to all course conditions at days by mail or If I INSTRUCTIONS: have not paid yet, I enclose Use ared check andor gold authorize you totocharge buttons the credit get your / debitmaterials. course card below orClose one youthe mayinternet already have and on file. complete your quicker via course offline by marking answers with a pencil.
3 Go to "Submit Answers" at or click answers at X_____ Dated _____ My Account. Signature in using(Required). blue button above. Submit multiple answer sheets on the same day for a discount. Pay after you pass! 5. Credits sent to DOI weekly. ___ ___ ___ ___ _____ _____ $ _____. (You can also submit answers by fax or mail using this printed form. See How To Send below.). Visa MC AE Disc Credit Card # Expires Amount How To 3 Ways To Send When Finished: 1) ONLINE (quickest): (choose Submit Answers) or 2) FAX to (951) 296-3004 or 3) MAIL to Affordable Educators at Send 41890 Enterprise Circle So #100, Temecula, Ca 92590.
4 INSTANT GRADING & CERTIFCIATE: Grade DOI CREDIT RUSH: CE hours are posted by DOI in Quicker your test and get an instant Certificate of Comple- approximately 48 hours (NO holidays & weekends). tion ONLINE using Submit Answers at Check below or choose this service online. Results ___ YES. Charge $15 to rush ALL my DOI credits. A B C D A B C D A B C D A B C D A B C D. 1 O O O O 9 O O O O 17 O O O O 25 O O O O 33 O O O O. 2 O O O O 10 O O O O 18 O O O O 26 O O O O 34 O O O O. Mark 3 O O O O 11 O O O O 19 O O O O 27 O O O O 35 O O O O. Your 4 O O O O 12 O O O O 20 O O O O 28 O O O O 36 O O O O.
5 AnswersDO NOT CLICK IN ANSWERS NOW. See instructions above to print this exam, mark answers and submit them later. With a 5 O O O O 13 O O O O 21 O O O O 29 O O O O 37 O O O O. Dark Pencil 6 O O O O 14 O O O O 22 O O O O 30 O O O O 38 O O O O. 7 O O O O 15 O O O O 23 O O O O 31 O O O O 39 O O O O. 8 O O O O 16 O O O O 24 O O O O 32 O O O O 40 O O O O. If You Mail This Sheet, Make a Copy Before Sending 175. MARKET CONDUCT & agent BLUNDERS -- 9 CE HOURS -- DOI # 10445. 1. Whether an agent has a duty to inform a client 7. State Guaranty Fund exclusions typically omit about possible "gaps in coverage" depends on coverage for the following: A.
6 The relationship of the parties A. Insurers not under regulatory supervision B. Specific requests of the client ( not state-admitted, etc ). C. The professional judgement of the agent B. Blue Cross & Blue Shield, HMO's and other D. All of the above fraternal organizations C. Portions of policies where risk is borne by 2. Concealment of information on an application by a the policyholder or not guaranteed by the client applies only to _____, and not his original insurer _____. D. All of the above A. Issues / Financial ability 8. The "C-1 Surplus Requirement" is an asset-default B.
7 Facts / Fears or concerns test model recommended by NAIC to: C. Thoughts / Actions D. Concepts / Ideas A. Establish varying reserve accounts be set up for various classes of insurance company 3. Where insurer ratings for a single company vary investments based on their default risk widely among several rating companies, the B. Assess real estate valuation _____ of the company should be questioned. C. Keep track of household assets D. Determine an insurer's internal rate of return A. Financial safety B. Advertising 9. "Deceptive and unfair trade practice laws" apply to C.
8 Management ordinary businesses AND agents because D. Reinsurance A. Agents are licensed 4. The significance of the decision in Southwest B. Consumers need protection from agents Painting vs Binsfield (1995) is that agents may not be C. Insurance is a service and the purchaser of a required to secure _____ insurance protection, policy is deemed a consumer but may need to explain policy options that are D. The IRS has wants it this way _____. 10. In a coverage dispute, one of the legal maneuvers A. Effective / Significant used by a policyholder's attorney is to request the B.
9 Specific / Written following: C. Complete / Widely available at reasonable cost A. A drafting history -- industry information D. Guaranteed / Oral regarding policies and the original meaning of policy terms 5. Failure to procure coverage for a client when it has B. Underwriting and claims manuals written by been promised is negligence that causes the agent to insurers to guide their employees "step in the shoes of the _____", and be C. Reinsurance documents disclosing relavent liable for "loss or damage _____". communcations between an insurer and its company A.
10 Insurance company / To the limits of the D. All of the above can be requested policy until insurance can be found B. Client / Within 24 hours 11. The Law of _____ is the area of law that C. Reinsurer / For the next 7 days determines producer status and binds the agent /. D. Insurance commissioner / Forever broker for his acts and errors. 6. Delivery of correspondence to clients regarding A. Reversible Omissions important matters may be denied by clients. Experts B. Agency suggest agents use _____ and / or methods of C. Professional Status proven delivery to reduce these problems.
