How can we help?

You can also find more resources in our Help Center.

Study sets matching "california life agent"

Study sets
Classes
Users

Study sets matching "california life agent"

241 terms
California Life-Only Agent Key Terms Terms
What parties are involved in a group c…
What is a Keogh plan?
What is an "Illustration"?
What does "non-guaranteed elements" me…
A group contract is between the insurer and the employer.
A retirement plan for those who are self employed.
A presentation or depiction that includes non-guaranteed elem…
The premiums, benefits, values, credits or charges under a po…
What parties are involved in a group c…
A group contract is between the insurer and the employer.
What is a Keogh plan?
A retirement plan for those who are self employed.
241 terms
California Life-Only Agent Key Terms Terms
What parties are involved in a group c…
What is a Keogh plan?
What is an "Illustration"?
What does "non-guaranteed elements" me…
A group contract is between the insurer and the employer.
A retirement plan for those who are self employed.
A presentation or depiction that includes non-guaranteed elem…
The premiums, benefits, values, credits or charges under a po…
What parties are involved in a group c…
A group contract is between the insurer and the employer.
What is a Keogh plan?
A retirement plan for those who are self employed.
241 terms
California Life-Only Agent Key Terms Terms
What parties are involved in a group c…
What is a Keogh plan?
What is an "Illustration"?
What does "non-guaranteed elements" me…
A group contract is between the insurer and the employer.
A retirement plan for those who are self employed.
A presentation or depiction that includes non-guaranteed elem…
The premiums, benefits, values, credits or charges under a po…
What parties are involved in a group c…
A group contract is between the insurer and the employer.
What is a Keogh plan?
A retirement plan for those who are self employed.
241 terms
California Life-Only Agent Key Terms Terms
What parties are involved in a group c…
What is a Keogh plan?
What is an "Illustration"?
What does "non-guaranteed elements" me…
A group contract is between the insurer and the employer.
A retirement plan for those who are self employed.
A presentation or depiction that includes non-guaranteed elem…
The premiums, benefits, values, credits or charges under a po…
What parties are involved in a group c…
A group contract is between the insurer and the employer.
What is a Keogh plan?
A retirement plan for those who are self employed.
121 terms
California Insurance Life Agent Combo Test Sample
Risk is:... a. the chance that might prov…
When can a representation be altered o…
The function of insurance is best desc…
When large numbers of similar risks ar…
d. the uncertainty or chance of a loss occurring.
a. It can be altered or withdrawn before the insurance is iss…
c. It spreads financial risk over a large group so as to mini…
d. predictable
Risk is:... a. the chance that might prov…
d. the uncertainty or chance of a loss occurring.
When can a representation be altered o…
a. It can be altered or withdrawn before the insurance is iss…
99 terms
California Life-Only Agent Key Facts
Group Contract
Keogh Plan
Illustration
Non-Guaranteed Elements
A ____ ____ is between the insurer and the employer. (A contr…
A ____ ____ is a type of retirement plan for self-employed pe…
An "_____" is a presentation or depiction that includes non-g…
In a life insurance policy illustration "non-_____ ____" mean…
Group Contract
A ____ ____ is between the insurer and the employer. (A contr…
Keogh Plan
A ____ ____ is a type of retirement plan for self-employed pe…
241 terms
California Life-Only Agent Key Terms Terms
What parties are involved in a group c…
What is a Keogh plan?
What is an "Illustration"?
What does "non-guaranteed elements" me…
A group contract is between the insurer and the employer.
A retirement plan for those who are self employed.
A presentation or depiction that includes non-guaranteed elem…
The premiums, benefits, values, credits or charges under a po…
What parties are involved in a group c…
A group contract is between the insurer and the employer.
What is a Keogh plan?
A retirement plan for those who are self employed.
241 terms
California Life-Only Agent Key Terms Terms
What parties are involved in a group c…
What is a Keogh plan?
What is an "Illustration"?
What does "non-guaranteed elements" me…
A group contract is between the insurer and the employer.
A retirement plan for those who are self employed.
A presentation or depiction that includes non-guaranteed elem…
The premiums, benefits, values, credits or charges under a po…
What parties are involved in a group c…
A group contract is between the insurer and the employer.
What is a Keogh plan?
A retirement plan for those who are self employed.
121 terms
California Insurance Life Agent Combo Test Sample
Risk is:... a. the chance that might prov…
When can a representation be altered o…
The function of insurance is best desc…
When large numbers of similar risks ar…
d. the uncertainty or chance of a loss occurring.
a. It can be altered or withdrawn before the insurance is iss…
c. It spreads financial risk over a large group so as to mini…
d. predictable
Risk is:... a. the chance that might prov…
d. the uncertainty or chance of a loss occurring.
When can a representation be altered o…
a. It can be altered or withdrawn before the insurance is iss…
241 terms
California Life-Only Agent Key Terms Terms
What parties are involved in a group c…
What is a Keogh plan?
What is an "Illustration"?
What does "non-guaranteed elements" me…
A group contract is between the insurer and the employer.
A retirement plan for those who are self employed.
A presentation or depiction that includes non-guaranteed elem…
The premiums, benefits, values, credits or charges under a po…
What parties are involved in a group c…
A group contract is between the insurer and the employer.
What is a Keogh plan?
A retirement plan for those who are self employed.
241 terms
California Life-Only Agent Key Terms Terms
What parties are involved in a group c…
What is a Keogh plan?
What is an "Illustration"?
What does "non-guaranteed elements" me…
A group contract is between the insurer and the employer.
A retirement plan for those who are self employed.
A presentation or depiction that includes non-guaranteed elem…
The premiums, benefits, values, credits or charges under a po…
What parties are involved in a group c…
A group contract is between the insurer and the employer.
What is a Keogh plan?
A retirement plan for those who are self employed.
241 terms
California Life-Only Agent Key Terms Terms
What parties are involved in a group c…
What is a Keogh plan?
What is an "Illustration"?
What does "non-guaranteed elements" me…
A group contract is between the insurer and the employer.
A retirement plan for those who are self employed.
A presentation or depiction that includes non-guaranteed elem…
The premiums, benefits, values, credits or charges under a po…
What parties are involved in a group c…
A group contract is between the insurer and the employer.
What is a Keogh plan?
A retirement plan for those who are self employed.
241 terms
California Life-Only Agent Key Terms Terms
What parties are involved in a group c…
What is a Keogh plan?
What is an "Illustration"?
What does "non-guaranteed elements" me…
A group contract is between the insurer and the employer.
A retirement plan for those who are self employed.
A presentation or depiction that includes non-guaranteed elem…
The premiums, benefits, values, credits or charges under a po…
What parties are involved in a group c…
A group contract is between the insurer and the employer.
What is a Keogh plan?
A retirement plan for those who are self employed.
30 terms
California Life
A group contract
IIIustration
Life insurance policy IIIUSTRATION ... No…
A stock redemption buy/sell agreement
Insurer and the employed
Presentation or depiction that includes non guaranteed elemen…
The premiums, benefits, values, credits or charges under a po…
Facilities the purchase of a deceased shareholders shares fro…
A group contract
Insurer and the employed
IIIustration
Presentation or depiction that includes non guaranteed elemen…
168 terms
Life Agent
Insurer
insured
risk
pure risk
the insurance company
the policy owner
uncertainty of loss
chance of only loss, no chance of gain or profit. 'insurable'
Insurer
the insurance company
insured
the policy owner
29 terms
California Life Science
Darwin's Observations
Darwin's Theory
Species
Fossil
Diversity of organisms, remains of ancient organisms, charact…
Evolution by Natural Selection (survival of the fittest)
Group of similar organisms
Preserved remains or traces of organism from the past
Darwin's Observations
Diversity of organisms, remains of ancient organisms, charact…
Darwin's Theory
Evolution by Natural Selection (survival of the fittest)
11 terms
mission life of california
economy
neophytes
revolts
custom
economy is a way people in a place use resources to meet thei…
new people to catholic faith
a rebelion type war or battle
a custom is usual way of doing things
economy
economy is a way people in a place use resources to meet thei…
neophytes
new people to catholic faith
18 terms
California Life Science: Chapter 6
multiple alleles
sex chromosomes
sex-linked gene
carrier
three or more forms of a gene that code for a single trait
One of the 23 pairs of chromosomes in the human, contains gen…
gene located on the X or Y chromosome
A person who has one recessive allele for a trait, but does n…
multiple alleles
three or more forms of a gene that code for a single trait
sex chromosomes
One of the 23 pairs of chromosomes in the human, contains gen…
551 terms
California Life and Health Insurance
Medical expense premiums paid by sole…
What is the Eligibility of a Qualified…
If an insurance contract has "variable…
What insurance product has a flexible…
They are fully deductible.
ERISA prescribes that all full time employees who have worked…
It is under the Federal Securities Laws. They have met the de…
A flexible premium deferred annuity.
Medical expense premiums paid by sole…
They are fully deductible.
What is the Eligibility of a Qualified…
ERISA prescribes that all full time employees who have worked…
13 terms
California Life science plants
Cuticle
Vascular tissue
Zygote
Vegetative reproduction
Adaption that helps a plant reduce water loss is waxy, waterp…
A tube looking tissue that helps transporting water, material…
The fertilized egg cel
Reproduction in plants by asexual methods
Cuticle
Adaption that helps a plant reduce water loss is waxy, waterp…
Vascular tissue
A tube looking tissue that helps transporting water, material…
1,233 terms
Life Agent
Transference of risk:
Property Loss Exposure:
Liability Loss Exposure:
Personal (human) and Personal Loss Exp…
can ofttimes be referred to as risk pooling, spreading and sh…
homes or personal property.
lawsuits
death or disability, unemployment, illness or injury. Personn…
Transference of risk:
can ofttimes be referred to as risk pooling, spreading and sh…
Property Loss Exposure:
homes or personal property.
329 terms
Life and Health California
Reciprocal Insurance Company
Treaty Agreements
Facultative Agreements
Fiduciary
Group-Owned Insurance whose main activity is risk sharing.
Reinsurance agreement that covers all risks contained in the…
Reinsurance agreement that allows ceding and reinsurance comp…
agent or broker who handles insurer funds in a trust capacity.
Reciprocal Insurance Company
Group-Owned Insurance whose main activity is risk sharing.
Treaty Agreements
Reinsurance agreement that covers all risks contained in the…
100 terms
California Life Exam
group contract
Keogh plan
"illustration"
In a life insurance policy illustratio…
between the insurer and the employer
a retirement plan for those ho are self employed
a presentation or depiction that includes nonguaranteed eleme…
the premiums, benefits, values, credits or charges under a po…
group contract
between the insurer and the employer
Keogh plan
a retirement plan for those ho are self employed
84 terms
California Life Exam
Hazards
Types of Hazards
Peril
Indemnification
something that increases the chance of loss
physical, moral, morale, legal
direct cause for a loss
Restore to original condition
Hazards
something that increases the chance of loss
Types of Hazards
physical, moral, morale, legal
51 terms
California Life Science: Chapter 2
wave
energy
medium
vibration
A disturbance that transfers energy from place to place.
The ability to do work or cause change.
The material through which a wave travels.
A repeated back-and-forth or up-and-down motion.
wave
A disturbance that transfers energy from place to place.
energy
The ability to do work or cause change.
53 terms
California Life Pt. 3
if an insured purchases a ____ this ri…
allows the insurance company to adjust…
In California, senior citizens are age
when both the insured and primary bene…
cost of living rider
misstatement of age clause
60 and older
common disaster clause
if an insured purchases a ____ this ri…
cost of living rider
allows the insurance company to adjust…
misstatement of age clause
54 terms
California Life pt. 2
What annuity death benefits are not an…
ordinary life insurance (WET)
individual who is applying to purchase…
each authorized insurer is require to…
tax free
Whole life, endowment, term
insurance applicant
division
What annuity death benefits are not an…
tax free
ordinary life insurance (WET)
Whole life, endowment, term
43 terms
California Life Pt. 1
A group contract is between?
Retirement plan for those who are self…
A presentation or depiction that inclu…
In a life insurance policy "non guaran…
insurer/employer
Keogh Plan
illustration
premiums, benefits, values, credits, charges
A group contract is between?
insurer/employer
Retirement plan for those who are self…
Keogh Plan
551 terms
California Life and Health Insurance
Medical expense premiums paid by sole…
What is the Eligibility of a Qualified…
If an insurance contract has "variable…
What insurance product has a flexible…
They are fully deductible.
ERISA prescribes that all full time employees who have worked…
It is under the Federal Securities Laws. They have met the de…
A flexible premium deferred annuity.
Medical expense premiums paid by sole…
They are fully deductible.
What is the Eligibility of a Qualified…
ERISA prescribes that all full time employees who have worked…
24 terms
California Life Science: Chapter 5
Heredity
Trait
Genetics
Gregor Mandel
The passing of physical characteristics from parents to offsp…
Each different form of a physical characteristic such as heig…
The scientific study of heredity
Formed the foundation of genetics in the 1860s and 50s by doi…
Heredity
The passing of physical characteristics from parents to offsp…
Trait
Each different form of a physical characteristic such as heig…
113 terms
California Life and Health
Insurance is contract whereby one unde…
The price of insurance for each exposu…
In regards to insurance, risk can be d…
What describes a situation when one pa…
Damage
Rates
Uncertainty, or chance of loss. Insurance replaces the uncert…
Fraud
Insurance is contract whereby one unde…
Damage
The price of insurance for each exposu…
Rates
28 terms
California Life Science Chapter 1
Observing
Quantitative Observation
Qualitative Observation
Inferring
Using one or more of your senses to gather information.
Observation that deals with a number or amount.
Observation that deals with descriptions that cannot be expre…
When you explain or interpret the thing you observe
Observing
Using one or more of your senses to gather information.
Quantitative Observation
Observation that deals with a number or amount.
23 terms
California Life Science: Chapter 5
Heredity
Trait
Genetics
Fertilization
The passing of physical characteristics from parents to offsp…
Each different form of a characteristic.
The scientific study of heredity.
A new organism begins to form when egg and sperm join.
Heredity
The passing of physical characteristics from parents to offsp…
Trait
Each different form of a characteristic.
96 terms
POL California Life: Annuities
All of the following are true of an an…
If an annuitant dies before annuitizat…
When an annuity is written, whose life…
Periodic payments of accumulated funds…
The owner must be the party to receive benefits
Either the amount paid into the plan of the cash value of the…
Annuitant
An annuity
All of the following are true of an an…
The owner must be the party to receive benefits
If an annuitant dies before annuitizat…
Either the amount paid into the plan of the cash value of the…
329 terms
Life and Health California
Reciprocal Insurance Company
Treaty Agreements
Facultative Agreements
Fiduciary
Group-Owned Insurance whose main activity is risk sharing.
Reinsurance agreement that covers all risks contained in the…
Reinsurance agreement that allows ceding and reinsurance comp…
agent or broker who handles insurer funds in a trust capacity.
Reciprocal Insurance Company
Group-Owned Insurance whose main activity is risk sharing.
Treaty Agreements
Reinsurance agreement that covers all risks contained in the…
551 terms
California Life and Health Insurance
Medical expense premiums paid by sole…
What is the Eligibility of a Qualified…
If an insurance contract has "variable…
What insurance product has a flexible…
Fully deductible.
ERISA prescribes that all full time employees who have worked…
It is under the Federal Securities Laws. They have met the de…
A flexible premium deferred annuity.
Medical expense premiums paid by sole…
Fully deductible.
What is the Eligibility of a Qualified…
ERISA prescribes that all full time employees who have worked…
329 terms
Life and Health California
Reciprocal Insurance Company
Treaty Agreements
Facultative Agreements
Fiduciary
Group-Owned Insurance whose main activity is risk sharing.
Reinsurance agreement that covers all risks contained in the…
Reinsurance agreement that allows ceding and reinsurance comp…
agent or broker who handles insurer funds in a trust capacity.
Reciprocal Insurance Company
Group-Owned Insurance whose main activity is risk sharing.
Treaty Agreements
Reinsurance agreement that covers all risks contained in the…
551 terms
California Life and Health Insurance
Medical expense premiums paid by sole…
What is the Eligibility of a Qualified…
If an insurance contract has "variable…
What insurance product has a flexible…
They are fully deductible.
ERISA prescribes that all full time employees who have worked…
It is under the Federal Securities Laws. They have met the de…
A flexible premium deferred annuity.
Medical expense premiums paid by sole…
They are fully deductible.
What is the Eligibility of a Qualified…
ERISA prescribes that all full time employees who have worked…
150 terms
CALIFORNIA Life, Accident and Health
A moral hazard
A morale hazard
A peril
Pure risk
is a dishonest person (lacking in morals)
a careless person.
is a cause of loss
is insurable & includes only a chance of loss.
A moral hazard
is a dishonest person (lacking in morals)
A morale hazard
a careless person.
16 terms
California Life Science Chapter 4
photosynthesis
autotroph
heterotroph
pigment
the process by which a cell captures energy in sunlight and u…
an organism that makes its own food
an organism that cannot make its own food
a colored chemical compund that absorbs light and can be used…
photosynthesis
the process by which a cell captures energy in sunlight and u…
autotroph
an organism that makes its own food
40 terms
California life science 7th grade chapter 11
anatomy
physiology
bilateral symmetry
radial symmetry
structure of an organism
the study of functions in organisms
body plan with two halves that are mirror images
has many lines of symmetry that divide it into identical halves
anatomy
structure of an organism
physiology
the study of functions in organisms
232 terms
California Life, Accident, and Health Licensing
Co-insurance
Exclusion ratio
Occupational policy
Most disability income policies are no…
The policy provision which requires the insurer and the insur…
The formula which is used by the IRS to determine how much is…
When a disability income policy provides coverage for injurie…
They only cover the insured if they become disabled while awa…
Co-insurance
The policy provision which requires the insurer and the insur…
Exclusion ratio
The formula which is used by the IRS to determine how much is…
35 terms
California Life Science: Chapter 3
cell
cell theory
unicellular
multicellular
The basic unit of structure and function in living things .
A widely accepted explanation of the relationship between cel…
Made of a single cell.
Consisting of many cells.
cell
The basic unit of structure and function in living things .
cell theory
A widely accepted explanation of the relationship between cel…
236 terms
CA Life Agent Exam Prep
Life insurance policy
Valid life insurance contracts must id…
Insurable interest
Indemnify
Written contract to transfer risk of premature death from one…
1: parties to contract; 2: insured party or life; 3: insurabl…
Financial interest in insured party that must exist @ time of…
To "make whole again" w/out benefit or detriment; neither mon…
Life insurance policy
Written contract to transfer risk of premature death from one…
Valid life insurance contracts must id…
1: parties to contract; 2: insured party or life; 3: insurabl…
463 terms
California Life and Health Study Guide
All of the following are disadvantages…
All of the following are correct regar…
What is the purpose of determining the…
All of the following are characteristi…
a. Places a value on the business at a previously agreed pric…
d. The policy insures the employee's retirement plan.... A Key…
c. To prevent both over and under insuring.... The purpose in d…
d. The employee may own the Deferred Compensation Plan.... The…
All of the following are disadvantages…
a. Places a value on the business at a previously agreed pric…
All of the following are correct regar…
d. The policy insures the employee's retirement plan.... A Key…
41 terms
Life agent exam
Consideration
Agreement
Competent Parties
Legal purpose
a valid contract is something of value that each party gives…
there must be a define offer by one party,and the other party…
must be capable of entering into contract in the eyes of the…
it must have both: insurable interest and consent.
Consideration
a valid contract is something of value that each party gives…
Agreement
there must be a define offer by one party,and the other party…
51 terms
California Life Insurance Test Terms Syncis Set
Needs Approach
Ordinary Life
Mortality Table
Morbidity Table
Attempting to determine how much insurance an individual woul…
Insurance policy with a face amount of $1000 or more, premium…
Used by life insurance companies to help predict the life exp…
Predicts the likelihood that an insured will contract any num…
Needs Approach
Attempting to determine how much insurance an individual woul…
Ordinary Life
Insurance policy with a face amount of $1000 or more, premium…
14 terms
Life Science, Unit 6, Part 1 (California)
drought
drought (in my language)
crops
crops (in my language)
no water
translate to your language
plants farmers grow
translate to your language
drought
no water
drought (in my language)
translate to your language
CALIFORNIA LIFE PRACTICE EXAM C
AN APPLICANT WHO IS VISUALLY IMPAIRED…
WHAT INFORMATION IS NOT REQUIRED PRIOR…
WHEN ASSESSING A CONSUMER'S NEED FOR L…
THE ADMINISTRATIVE PENALTY FOR AN INSU…
PHYSICAL
HEALTH STATUS
HUMAN LIFE VALUE APPROACH
$10,000
AN APPLICANT WHO IS VISUALLY IMPAIRED…
PHYSICAL
WHAT INFORMATION IS NOT REQUIRED PRIOR…
HEALTH STATUS
8 terms
California Life Science: Chapter 2 Section 5
camera
telescope
refracting (telescope)
objective
An optical instrument that uses lenses to focus light, and fi…
An optical instrument that forms enlarged images of distant o…
A telescope that uses two convex lenses to form images.
A lens that gathers light from an object and forms a real ima…
camera
An optical instrument that uses lenses to focus light, and fi…
telescope
An optical instrument that forms enlarged images of distant o…
1 of 10