CA-LIFE-ACCIDENT-AND-HEALTH LATEST BRAINDUMPS EBOOK & CA-LIFE-ACCIDENT-AND-HEALTH EXAM CERTIFICATION

CA-Life-Accident-and-Health Latest Braindumps Ebook & CA-Life-Accident-and-Health Exam Certification

CA-Life-Accident-and-Health Latest Braindumps Ebook & CA-Life-Accident-and-Health Exam Certification

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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions (Q29-Q34):

NEW QUESTION # 29
All of the following are optional group medical coverages EXCEPT

  • A. prescription drug.
  • B. maternity.
  • C. dental.
  • D. vision.

Answer: B

Explanation:
In group medical coverages, optional coverages are those that can be added to the basic health plan at the employer's or employee's discretion. Dental, prescription drug, and vision coverages are typically considered optional benefits that can be selected in addition to the basic health plan. Maternity coverage, however, is often included as a mandatory benefit in group health insurance policies due to regulations and requirements for comprehensive coverage, particularly under the Affordable Care Act (ACA).References: California Department of Insurance guidelines on group health insurance benefits and ACA requirements.


NEW QUESTION # 30
What factor supports the principle of indemnity?

  • A. Reasonable expectations.
  • B. Insurable interest.
  • C. Contract of adhesion.
  • D. Utmost good faith.

Answer: B

Explanation:
* Definition: The principle of indemnity ensures that insurance policies compensate the insured for the actual loss incurred, preventing the insured from profiting from a claim.
* Insurable Interest: This principle requires that the insured has a legitimate interest in the preservation of the subject of insurance.
* Mechanism: Insurable interest supports indemnity by ensuring that the insured would suffer a financial loss if the insured event occurs, thus justifying the compensation.
* Examples: A person must have an insurable interest in their own life, health, or property to take out an insurance policy on it.
* Regulations: California insurance regulations mandate that an insurable interest must exist at the time of policy issuance and at the time of loss for the principle of indemnity to apply.
References:
* California Department of Insurance guidelines on insurable interest.
* Legal principles underpinning the concept of indemnity in insurance.


NEW QUESTION # 31
What is the limit of liability in a term life insurance policy?

  • A. The total cash value.
  • B. The face amount plus the premiums paid.
  • C. The face amount of the policy.
  • D. The total amount of premiums paid.

Answer: C

Explanation:
Definition of Term Life Insurance: Term life insurance provides coverage for a specified period (term), and if the insured dies during this term, the policy pays out a death benefit.
Limit of Liability: In a term life insurance policy, the limit of liability is the maximum amount the insurer will pay upon the insured's death.
Face Amount: The face amount is the death benefit stated in the policy, which is the limit of liability. It does not change over the term of the policy.
No Cash Value: Unlike permanent life insurance, term life insurance does not accumulate cash value. The limit of liability is strictly the face amount.References: California Insurance Code Sections 10130-10141 outline the regulations and definitions pertaining to life insurance policies, including term life insurance.


NEW QUESTION # 32
How many days does the California Insurance Code give an individual to return a life policy for cancellation?

  • A. Between 60 and 90 days.
  • B. Less than 10 days.
  • C. Between 10 and 30 days.
  • D. Not less than 30 nor more than 60 days.

Answer: C

Explanation:
* Free Look Period:The California Insurance Code stipulates that an individual has a free look period to return a life insurance policy for cancellation and receive a full refund of the premium paid.
* Duration:This period is defined as being between 10 and 30 days, depending on the specific policy and insurer.


NEW QUESTION # 33
The conversion privilege allows a terminated employee to convert

  • A. group life insurance into an annuity.
  • B. an annuity into group life insurance.
  • C. term insurance into permanent insurance.
  • D. permanent insurance into term insurance.

Answer: C

Explanation:
The conversion privilege in life insurance allows a terminated employee to convert their term insurance policy into a permanent insurance policy without needing to provide evidence of insurability. This option is beneficial for employees who want to continue their life insurance coverage after leaving their employer.


NEW QUESTION # 34
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