Acts of fair discrimination such as charging older clients a higher premium are legal.
Agents are not permitted to advertise that an insurer is a member of any insurance guaranty association.
Acts of fair and unfair discrimination are prohibited.
The act of twisting could result in a license suspension for up to three years.
Marketing plans to offer free insurance as an inducement to buy or rent real property are prohibited.
Changes of address must be filed immediately.
A plea of nolo contendere is considered a conviction, thus it could hinder attempts to obtain a life-only license.
Loss of a previous professional license could result in the automatic denial of the life-only license application.
Licensees are required to have an in-state residential address.
A licensee has 30 days to update a change in address.
No name is ever automatically approved for licensee use. There are always procedures and background checks to administer.
Thomas Greene, CLU, & Company
Greene Insurance Agency
Tommy Greene and Associates
None of these would ever be automatically approved.
Express authority is legitimate authority written into a contract.
A ‘person’ with fiduciary responsibilities is an agent. If an agent steals their clients’ money, the agent is guilty of theft.
Legally, a corporation is a “person”. The insurer makes/produces the insurance policies the agents and brokers sell.
As someone who is 60+, she gets the 30-day free-look period, and should invest cautiously.
She will have to begin taking withdrawals within six months of receiving the proceeds.
She has a 30 day free look period in case she changes her mind.
As a life insurance product, future proceeds are tax free.
Since she only has a few more years before she retires, she should invest with the objective to make as much money as possible. Her time horizon is limited.
In a non-contributory plan, the employer pays all of the premium, so they must cover all eligible employees.
75% of eligible employees must elect to join the plan.
100% of eligible employees must participate.
100% of employees must be allowed to participate.
75% of employees must elect to join the plan.
Conversion from group to individual can be any insurance except term. The insured who lost their coverage is now paying the entire premium.
The new policy will be cash value. The employee pays all the premiums.
The new policy will be cash value. The employer will pay a portion of the cost.
The new policy will be term life. The employee pays all premiums.
The new policy will be term life. The employer will pay a portion of the cost.
Buy-sell agreements allow surviving partners to buy out the family of the deceased partner so the business may continue past the death of the insured.
Split Dollar Plan
Executive Bonus Plan
Deferred Compensation Plans
The larger the guarantee of payments, or returned monies, the lower the guaranteed income. The more risk the annuitant takes during the annuity period, the higher the monthly income.
Straight life, life with ten years certain, life refund option
Life with ten year certain, life with refund option, straight life
Life with refund option, life with 10 years certain, straight life
Life with refund option, straight life, life with 10 years certain
“Interest only” is a settlement option, not a dividend option.
Accumulate with Interest
One-year term option
Reduce the next premium payment
Interest only option
By law, industrial insurance must be paid in person. Since it involves high risk insureds, very low amounts are purchased.
$10,000 coverage and premiums paid by mail
$100,000 coverage and premiums collected by agent
$50,000 coverage and premiums paid by mail
$2,000 or less in coverage and premiums collected by agent
Any universal policy is characterized by a flexible premium. Any variable product is characterized by the use of separate accounts.
Variable Universal Life
Also known as “double indemnity,” accident riders pay a larger death benefit if death is due to accidental means.
Cost of Living
Accelerated Death Benefit
Accidental Death Benefit
Accidental Death and Dismemberment
너는 정확하게 대답했다.
당신이 잘못 대답했습니다.
너는 시간이 없어.
점수 또는 평점을 저장하려면 로그인하거나 등록해야합니다.
텍스트에 적합한 오디오 언어를 설정하십시오.
단어를 강조 표시하여 학습을 향상시킵니다.
로그인 할 필요없이 퀴즈, 코스 및 플래시 카드를 재생할 수 있습니다. 그러나 점수를 저장하고 퀴즈, 코스 및 플래시 카드를 만들려면 로그인해야합니다. 오디오를 재생하려면 전문 계정에 로그인해야합니다.
학습을 한 차원 높여보십시오. 프로페셔널 계정으로 업그레이드하면 질문을 큰소리로 듣고 다른 많은 혜택을 누릴 수 있습니다.
귀하가 작성한 질문이나 답변에 대한 오디오가 생성됩니다.
많은 사람들이 그들이 배운 것을 듣고 더 잘 배웁니다. 외국어 학습을 위해 우리는 18 개 이상의 언어를 지원했습니다.
지원 언어로는 덴마크어, 네덜란드어, 영어, 프랑스어, 독일어, 아이슬란드 어, 이탈리아어, 일본어, 한국어, 노르웨이어, 폴란드어, 포르투갈어, 루마니아어, 러시아어, 스페인어, 스웨덴어, 터키어, 웨일스 어 등이 있습니다.
또한 단어를 소리내어 읽음으로써 자동 단어 단위 강조 기능을 지원합니다.
Apple App Store에서 볼 Topgrade 응용 프로그램을 선택하십시오.
Google Play에서 볼 수있는 Topgrade 앱을 선택합니다.