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1. In broad terms, the types of support and services generally associated with Long-Term Care policies are provided at which three levels of care?

A) Professional, social, and economic care.
B) Functional, rehabilitational, and medical care.
C) Skilled nursing, intermediate, and custodial care.
D) Home-based, assisted living, and medical care.

2. Credit and accident disability plans are designed to

A) help an insured pay off a loan in the event of an accident or sickness.
B) pay medical and dental premiums for the insured.
C) pay for legal actions against the insured.
D) replace an employee's income.

3. Which life insurance rider is designed to permit young individuals to be able to purchase additional insurance as they grow older, regardless of insurability?

A) Cost of living rider.
B) Guaranteed insurability rider.
C) Multiple indemnity rider.
D) Impairment rider.

4. Backdating on a life insurance policy is the practice of

A) accepting the premium after the expiration of the grace period.
B) making the policy effective on an earlier date than the present.
C) excluding medical coverage for preexisting medical conditions.
D) reinstating a lapsed policy.

5. A policyowner purchased a whole life policy. How long after purchase can the policyowner borrow against the cash value of the policy?

A) never
B) 2 years
C) 1 year
D) 3 years

問題與答案：