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Updated: May 31, 2026
Q & A: 107 Questions and Answers
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1. Something that increases the probability of loss is called
A) a peril.
B) a hazard.
C) an exposure.
D) a risk.
2. Deliberate withholding of material facts that would affect the validity of an Insurance policy or a claim under
the policy Is known as
A) slanting.
B) misrepresentation.
C) concealment.
D) aleatory contract.
3. An immediate annuity begins making payments after the
A) policy reaches its maturation date.
B) policy has been in force for one year.
C) policyholder suffers a disability.
D) first premium has been paid.
4. At what age can an Individual begin to receive distributions from an IRA without a tax penalty?
A) 63 1/2 years.
B) 65 1/2 years.
C) 55 1/2 years.
D) 59 1/2 years.
5. Which rider would allow additional insurance to be purchased at specified dates or events, without additional
underwriting?
A) Cost of living.
B) Guaranteed renewability.
C) Guaranteed insurability.
D) Disability income.
Solutions:
| Question # 1 Answer: B | Question # 2 Answer: C | Question # 3 Answer: D | Question # 4 Answer: D | Question # 5 Answer: C |
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