Which of the following legal terms indicates that a life insurance contract contains the enforceable
promises of only one party?
A. Adhesion
B. Unilateral
C. Conditional
D. Aleatory - <
If a life insurance applicant is given a binding receipt, when does his or her coverage become
effective?
A. Date the policy is issued
B. Date the applicant proves to be insurable
C. Date the receipt is given
D. Date the policy is delivered - <
After a family's breadwinner dies, the "blackout period" generally can be defined as the period
A. during which children are living at home
B. that begins with the youngest child turns 16 and ends with the surviving parent retires
C. during which children are in school
D. from the surviving parent's retirement to death - <
Which of the following is the basis for the values of variable life insurance and variable annuities?
A. investment company projections
B. insurer investment performance
C. general account guarantees
D. separate account investments - <
Florida law requires annual reports for variable products be given to consumers and that the reports
contain:
A. Dollar value of each unit
B. Current income tax implication of units
C. Current capital gains tax implication of units
D. Anticipated annual value of payout - <
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