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- When a lender refuses to grant credit in substantially the amount or on substantially the terms requested in an application, which of the following actions must be issued? A) Denial form B) Adverse action C) Termination notice D) Application denial actionIf an insurer wishes to cancel a health insurance policy, it can do so: OA B. O C O D. in Florida as long as premiums are returned on a short-rate basis with a 45-day notice to the policyholder with notice to the Department of Financial Services as long as no daim is pendingGive the options or list that can be inappropriate for the the client in lending and explain both.
- The personal feature of property insurance contracts means that: * A) subrogation always applies B) ambiguities in the wording will always be construed against the insurer C) insurance contracts cannot be freely transferred to other parties D) the buyer of insurance must have insurable interest in property before the policy is issuedWhich of the following is a general lien? Group of answer choices A judgment lien. A mechanic’s lien. A trust deed. A property tax lien.50 questions remaining Which one (1) of the following situations may have an effect upon the premium charged for a Homeowners Comprehensive policy/ A) Theft coverage on unscheduled jewellery up to a $2,000 limit. B) The house is unoccupied for three (3) months during the winter. DC) The insured installs a wood burning stove. D) The insured's mother-in-law moves into the house.
- While arranging the client's Ontario Automobile Policy (OAP1) policy, the client tells the Broker that they use their car for about 6 hours per week to provide a ride sharing service. What, if any, additional coverage is needed? Nothing, as the OAP1 now covers part-time ride sharing so long as the vehicle is primarily for personal use. An endorsement to the drivers OAP1 for rented or leased vehicles (OPCF 5) is required. A separate specific ride-sharing insurance policy is required as it is a commercial enterprise. An endorsement to the drivers. OAPE for transportation (OPCF 20) is required.The basic coverage provided by the life insurance policies may be supplemented by a separate provision that provides coverage for accidental amounts or of a different nature. Collectively these provisions are known as A) riders B) deposit privileges C) dividends D) assignmentBuilding and personal property coverage form Can cover which of the following expenses Except automobile held for sale Building additions Improvement and betterment Property of others
- Which item of personal property is not excluded under Coverage C of the Dwelling Program? A: Credit card or fund transfer card loss in any amount when stolen. B: Manuscripts. C: Animals, birds or fish owned by the insured. D: Mausoleums owned by the insured.Which of the following statements BEST describes the primary difference between a Henim Maintenance on (IMO) and a Preferred Provider Organization (PPO A Under a PPO the insured may use any medical provider whereas providers are restricted with HMOS Under an HMO the deductibles are higher than are those of PPOS. PPOS do not provide preventive care benefits whereas HMOs do. HMOS utilize larger cost sharing than do PPOS OB CODwhy and how can guaranteed issue (cannot be denied insurance due to pre-existing conditions)