{"id":116941,"date":"2026-01-02T08:10:11","date_gmt":"2026-01-02T08:10:11","guid":{"rendered":"https:\/\/www.dumpsbase.com\/freedumps\/?p=116941"},"modified":"2026-01-02T08:10:11","modified_gmt":"2026-01-02T08:10:11","slug":"read-ok-life-accident-and-health-or-sickness-producer-free-dumps-part-2-q41-q80-before-choosing-ok-life-accident-and-health-or-sickness-producer-dumps-v8-02-2026","status":"publish","type":"post","link":"https:\/\/www.dumpsbase.com\/freedumps\/read-ok-life-accident-and-health-or-sickness-producer-free-dumps-part-2-q41-q80-before-choosing-ok-life-accident-and-health-or-sickness-producer-dumps-v8-02-2026.html","title":{"rendered":"Read Ok Life Accident and Health or Sickness Producer Free Dumps (Part 2, Q41-Q80) Before Choosing Ok Life Accident and Health or Sickness Producer Dumps (V8.02) 2026"},"content":{"rendered":"<p>Earning the Oklahoma Life, Accident, and Health or Sickness Producer certification is one of the smartest moves an IT professional can make. So you need a reliable study guide to achieve success. DumpsBase\u2019s Ok Life Accident and Health or Sickness Producer dumps (V8.02) are available to help you make preparations. You may have read our <a href=\"https:\/\/www.dumpsbase.com\/freedumps\/start-reading-the-ok-life-accident-and-health-or-sickness-producer-free-dumps-part-1-q1-q40-of-v8-02-today-to-verify-the-quality.html\"><em><strong>Ok Life Accident and Health or Sickness Producer free dumps (Part 1, Q1-Q40) of V8.02<\/strong><\/em><\/a>, which allows you to verify that every question has been carefully inspected for accuracy and relevance. With DumpsBase, you will work through practice questions that mimic the actual exam format, and you become more familiar with question types, time management, and pressure handling. This leads to a smoother experience on the actual test day and drastically improves your chances of passing on the first attempt.<\/p>\n<h2>Continue to <span style=\"background-color: #ccffcc;\"><em>Ok Life Accident and Health or Sickness Producer free dumps (Part 2, Q41-Q80) of V8.02<\/em><\/span> today:<\/h2>\n<script>\n\t  window.fbAsyncInit = function() {\n\t    FB.init({\n\t      appId            : '622169541470367',\n\t      autoLogAppEvents : true,\n\t      xfbml            : true,\n\t      version          : 'v3.1'\n\t    });\n\t  };\n\t\n\t  (function(d, s, id){\n\t     var js, fjs = d.getElementsByTagName(s)[0];\n\t     if (d.getElementById(id)) {return;}\n\t     js = d.createElement(s); js.id = id;\n\t     js.src = \"https:\/\/connect.facebook.net\/en_US\/sdk.js\";\n\t     fjs.parentNode.insertBefore(js, fjs);\n\t   }(document, 'script', 'facebook-jssdk'));\n\t<\/script><script type=\"text\/javascript\" >\ndocument.addEventListener(\"DOMContentLoaded\", function(event) { \nif(!window.jQuery) alert(\"The important jQuery library is not properly loaded in your site. Your WordPress theme is probably missing the essential wp_head() call. You can switch to another theme and you will see that the plugin works fine and this notice disappears. If you are still not sure what to do you can contact us for help.\");\n});\n<\/script>  \n  \n<div  id=\"watupro_quiz\" class=\"quiz-area single-page-quiz\">\n<p id=\"submittingExam11350\" style=\"display:none;text-align:center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\"><\/p>\n\n<div class=\"watupro-exam-description\" id=\"description-quiz-11350\"><\/div>\n\n<form action=\"\" method=\"post\" class=\"quiz-form\" id=\"quiz-11350\"  enctype=\"multipart\/form-data\" >\n<div class='watu-question ' id='question-1' style=';'><div id='questionWrap-1'  class='   watupro-question-id-446143'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>1. <\/span>In which of the following clauses would premium payments and their due dates be established?<\/div><input type='hidden' name='question_id[]' id='qID_1' value='446143' \/><input type='hidden' id='answerType446143' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446143[]' id='answer-id-1726314' class='answer   answerof-446143 ' value='1726314'   \/><label for='answer-id-1726314' id='answer-label-1726314' class=' answer'><span>Premium Appendix<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446143[]' id='answer-id-1726315' class='answer   answerof-446143 ' value='1726315'   \/><label for='answer-id-1726315' id='answer-label-1726315' class=' answer'><span>Insurance Binder<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446143[]' id='answer-id-1726316' class='answer   answerof-446143 ' value='1726316'   \/><label for='answer-id-1726316' id='answer-label-1726316' class=' answer'><span>Insuring Clause<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446143[]' id='answer-id-1726317' class='answer   answerof-446143 ' value='1726317'   \/><label for='answer-id-1726317' id='answer-label-1726317' class=' answer'><span>Consideration Clause<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-2' style=';'><div id='questionWrap-2'  class='   watupro-question-id-446144'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>2. <\/span>Billy filed his disability paperwork today, but his insurance agent told him it'll be six months before he sees any payments. He's inclined to get upset, but the agent told him that Billy did indeed choose the timeframe himself when he initiated the policy. <br \/>\r<br>Which timeframe is this?<\/div><input type='hidden' name='question_id[]' id='qID_2' value='446144' \/><input type='hidden' id='answerType446144' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446144[]' id='answer-id-1726318' class='answer   answerof-446144 ' value='1726318'   \/><label for='answer-id-1726318' id='answer-label-1726318' class=' answer'><span>Confirmation Period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446144[]' id='answer-id-1726319' class='answer   answerof-446144 ' value='1726319'   \/><label for='answer-id-1726319' id='answer-label-1726319' class=' answer'><span>Underwriting Review Period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446144[]' id='answer-id-1726320' class='answer   answerof-446144 ' value='1726320'   \/><label for='answer-id-1726320' id='answer-label-1726320' class=' answer'><span>Elimination Period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446144[]' id='answer-id-1726321' class='answer   answerof-446144 ' value='1726321'   \/><label for='answer-id-1726321' id='answer-label-1726321' class=' answer'><span>Probationary Period<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-3' style=';'><div id='questionWrap-3'  class='   watupro-question-id-446145'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>3. <\/span>Which part of Medicare covers Hospitalization?<\/div><input type='hidden' name='question_id[]' id='qID_3' value='446145' \/><input type='hidden' id='answerType446145' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446145[]' id='answer-id-1726322' class='answer   answerof-446145 ' value='1726322'   \/><label for='answer-id-1726322' id='answer-label-1726322' class=' answer'><span>Part A<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446145[]' id='answer-id-1726323' class='answer   answerof-446145 ' value='1726323'   \/><label for='answer-id-1726323' id='answer-label-1726323' class=' answer'><span>Part B<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446145[]' id='answer-id-1726324' class='answer   answerof-446145 ' value='1726324'   \/><label for='answer-id-1726324' id='answer-label-1726324' class=' answer'><span>Part-C<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446145[]' id='answer-id-1726325' class='answer   answerof-446145 ' value='1726325'   \/><label for='answer-id-1726325' id='answer-label-1726325' class=' answer'><span>Part D<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-4' style=';'><div id='questionWrap-4'  class='   watupro-question-id-446146'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>4. <\/span>Which rider automatically adjusts the death benefit of a life insurance policy over time to keep pace with macroeconomic trends?<\/div><input type='hidden' name='question_id[]' id='qID_4' value='446146' \/><input type='hidden' id='answerType446146' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446146[]' id='answer-id-1726326' class='answer   answerof-446146 ' value='1726326'   \/><label for='answer-id-1726326' id='answer-label-1726326' class=' answer'><span>Inflation Index<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446146[]' id='answer-id-1726327' class='answer   answerof-446146 ' value='1726327'   \/><label for='answer-id-1726327' id='answer-label-1726327' class=' answer'><span>Consumer Price Index<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446146[]' id='answer-id-1726328' class='answer   answerof-446146 ' value='1726328'   \/><label for='answer-id-1726328' id='answer-label-1726328' class=' answer'><span>SPLA<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446146[]' id='answer-id-1726329' class='answer   answerof-446146 ' value='1726329'   \/><label for='answer-id-1726329' id='answer-label-1726329' class=' answer'><span>Cost of Living<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-5' style=';'><div id='questionWrap-5'  class='   watupro-question-id-446147'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>5. <\/span>Which of the following is NOT a purpose of life insurance replacement model regulation?<\/div><input type='hidden' name='question_id[]' id='qID_5' value='446147' \/><input type='hidden' id='answerType446147' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446147[]' id='answer-id-1726330' class='answer   answerof-446147 ' value='1726330'   \/><label for='answer-id-1726330' id='answer-label-1726330' class=' answer'><span>Protect insurers from the impending risk of over indemnification due to nonduplication of benefits<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446147[]' id='answer-id-1726331' class='answer   answerof-446147 ' value='1726331'   \/><label for='answer-id-1726331' id='answer-label-1726331' class=' answer'><span>Assure that purchasers receive information with which a decision can be made in his or her own best interest<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446147[]' id='answer-id-1726332' class='answer   answerof-446147 ' value='1726332'   \/><label for='answer-id-1726332' id='answer-label-1726332' class=' answer'><span>Reduce the opportunity for misrepresentation and incomplete disclosure<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446147[]' id='answer-id-1726333' class='answer   answerof-446147 ' value='1726333'   \/><label for='answer-id-1726333' id='answer-label-1726333' class=' answer'><span>Establish penalties for failure to comply with requirements of this regulations<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-6' style=';'><div id='questionWrap-6'  class='   watupro-question-id-446148'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>6. <\/span>Life insurance is a contract in which one party fulfills their obligation only if a specific and unpredictable event occurs; i.e., a death benefit being paid in the event of the death of a named insured. <br \/>\r<br>Which term best describes the nature of such a contract?<\/div><input type='hidden' name='question_id[]' id='qID_6' value='446148' \/><input type='hidden' id='answerType446148' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446148[]' id='answer-id-1726334' class='answer   answerof-446148 ' value='1726334'   \/><label for='answer-id-1726334' id='answer-label-1726334' class=' answer'><span>Aleatory<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446148[]' id='answer-id-1726335' class='answer   answerof-446148 ' value='1726335'   \/><label for='answer-id-1726335' id='answer-label-1726335' class=' answer'><span>Adhesive<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446148[]' id='answer-id-1726336' class='answer   answerof-446148 ' value='1726336'   \/><label for='answer-id-1726336' id='answer-label-1726336' class=' answer'><span>Convertible<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446148[]' id='answer-id-1726337' class='answer   answerof-446148 ' value='1726337'   \/><label for='answer-id-1726337' id='answer-label-1726337' class=' answer'><span>Indexed<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-7' style=';'><div id='questionWrap-7'  class='   watupro-question-id-446149'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>7. <\/span>A life insurance policy may reduce the amount of insurance payable on maturity if death occurs from any of the following EXCEPT:<\/div><input type='hidden' name='question_id[]' id='qID_7' value='446149' \/><input type='hidden' id='answerType446149' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446149[]' id='answer-id-1726338' class='answer   answerof-446149 ' value='1726338'   \/><label for='answer-id-1726338' id='answer-label-1726338' class=' answer'><span>Reckless Driving<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446149[]' id='answer-id-1726339' class='answer   answerof-446149 ' value='1726339'   \/><label for='answer-id-1726339' id='answer-label-1726339' class=' answer'><span>Self Harm<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446149[]' id='answer-id-1726340' class='answer   answerof-446149 ' value='1726340'   \/><label for='answer-id-1726340' id='answer-label-1726340' class=' answer'><span>Particular Aviation Activities<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446149[]' id='answer-id-1726341' class='answer   answerof-446149 ' value='1726341'   \/><label for='answer-id-1726341' id='answer-label-1726341' class=' answer'><span>Military Service<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-8' style=';'><div id='questionWrap-8'  class='   watupro-question-id-446150'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>8. <\/span>Jill (42) has been without a full-time job for nearly two years. She has three children and a part-time job that pays her around $11,000 a year. She is concerned about future medical bills and would like a plan to help pay for these costs. <br \/>\r<br>Which plan should she consider?<\/div><input type='hidden' name='question_id[]' id='qID_8' value='446150' \/><input type='hidden' id='answerType446150' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446150[]' id='answer-id-1726342' class='answer   answerof-446150 ' value='1726342'   \/><label for='answer-id-1726342' id='answer-label-1726342' class=' answer'><span>Medicare<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446150[]' id='answer-id-1726343' class='answer   answerof-446150 ' value='1726343'   \/><label for='answer-id-1726343' id='answer-label-1726343' class=' answer'><span>Medicaid<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446150[]' id='answer-id-1726344' class='answer   answerof-446150 ' value='1726344'   \/><label for='answer-id-1726344' id='answer-label-1726344' class=' answer'><span>COBRA<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446150[]' id='answer-id-1726345' class='answer   answerof-446150 ' value='1726345'   \/><label for='answer-id-1726345' id='answer-label-1726345' class=' answer'><span>Medicare for All<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-9' style=';'><div id='questionWrap-9'  class='   watupro-question-id-446151'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>9. <\/span>Which of the following allows patients to choose whichever physician they prefer regardless of network?<\/div><input type='hidden' name='question_id[]' id='qID_9' value='446151' \/><input type='hidden' id='answerType446151' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446151[]' id='answer-id-1726346' class='answer   answerof-446151 ' value='1726346'   \/><label for='answer-id-1726346' id='answer-label-1726346' class=' answer'><span>Health Maintenance Organization (HMO)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446151[]' id='answer-id-1726347' class='answer   answerof-446151 ' value='1726347'   \/><label for='answer-id-1726347' id='answer-label-1726347' class=' answer'><span>Preferred Provider Organization (PPO)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446151[]' id='answer-id-1726348' class='answer   answerof-446151 ' value='1726348'   \/><label for='answer-id-1726348' id='answer-label-1726348' class=' answer'><span>Employer Group Health (EGH)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446151[]' id='answer-id-1726349' class='answer   answerof-446151 ' value='1726349'   \/><label for='answer-id-1726349' id='answer-label-1726349' class=' answer'><span>High Deductible Health Plan (HDHP)<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-10' style=';'><div id='questionWrap-10'  class='   watupro-question-id-446152'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>10. <\/span>In order to use a long-term care rider, the insured must have cognitive impairment or be unable to perform at least two activities of daily living. <br \/>\r<br>Which of the following is NOT an activity of daily living?<\/div><input type='hidden' name='question_id[]' id='qID_10' value='446152' \/><input type='hidden' id='answerType446152' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446152[]' id='answer-id-1726350' class='answer   answerof-446152 ' value='1726350'   \/><label for='answer-id-1726350' id='answer-label-1726350' class=' answer'><span>Transferring<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446152[]' id='answer-id-1726351' class='answer   answerof-446152 ' value='1726351'   \/><label for='answer-id-1726351' id='answer-label-1726351' class=' answer'><span>Toileting<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446152[]' id='answer-id-1726352' class='answer   answerof-446152 ' value='1726352'   \/><label for='answer-id-1726352' id='answer-label-1726352' class=' answer'><span>Dressing<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446152[]' id='answer-id-1726353' class='answer   answerof-446152 ' value='1726353'   \/><label for='answer-id-1726353' id='answer-label-1726353' class=' answer'><span>Driving<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-11' style=';'><div id='questionWrap-11'  class='   watupro-question-id-446153'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>11. <\/span>After a life policy has been issued, who has the authority to change the beneficiary on the policy?<\/div><input type='hidden' name='question_id[]' id='qID_11' value='446153' \/><input type='hidden' id='answerType446153' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446153[]' id='answer-id-1726354' class='answer   answerof-446153 ' value='1726354'   \/><label for='answer-id-1726354' id='answer-label-1726354' class=' answer'><span>The insurer<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446153[]' id='answer-id-1726355' class='answer   answerof-446153 ' value='1726355'   \/><label for='answer-id-1726355' id='answer-label-1726355' class=' answer'><span>The owner<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446153[]' id='answer-id-1726356' class='answer   answerof-446153 ' value='1726356'   \/><label for='answer-id-1726356' id='answer-label-1726356' class=' answer'><span>The insured<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446153[]' id='answer-id-1726357' class='answer   answerof-446153 ' value='1726357'   \/><label for='answer-id-1726357' id='answer-label-1726357' class=' answer'><span>The beneficiary<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-12' style=';'><div id='questionWrap-12'  class='   watupro-question-id-446154'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>12. <\/span>In which of the following situations would an insurance company NOT be liable for the loss?<\/div><input type='hidden' name='question_id[]' id='qID_12' value='446154' \/><input type='hidden' id='answerType446154' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446154[]' id='answer-id-1726358' class='answer   answerof-446154 ' value='1726358'   \/><label for='answer-id-1726358' id='answer-label-1726358' class=' answer'><span>Bear attack<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446154[]' id='answer-id-1726359' class='answer   answerof-446154 ' value='1726359'   \/><label for='answer-id-1726359' id='answer-label-1726359' class=' answer'><span>Plane crash<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446154[]' id='answer-id-1726360' class='answer   answerof-446154 ' value='1726360'   \/><label for='answer-id-1726360' id='answer-label-1726360' class=' answer'><span>Vigilantism<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446154[]' id='answer-id-1726361' class='answer   answerof-446154 ' value='1726361'   \/><label for='answer-id-1726361' id='answer-label-1726361' class=' answer'><span>Skydiving accident<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-13' style=';'><div id='questionWrap-13'  class='   watupro-question-id-446155'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>13. <\/span>A guaranteed insurability rider is defined as which of the following?<\/div><input type='hidden' name='question_id[]' id='qID_13' value='446155' \/><input type='hidden' id='answerType446155' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446155[]' id='answer-id-1726362' class='answer   answerof-446155 ' value='1726362'   \/><label for='answer-id-1726362' id='answer-label-1726362' class=' answer'><span>The insurance company cannot cancel the policy under any circumstances, even failure to pay premiums.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446155[]' id='answer-id-1726363' class='answer   answerof-446155 ' value='1726363'   \/><label for='answer-id-1726363' id='answer-label-1726363' class=' answer'><span>When a premium payment is made at application, the insurance company is contractually obligated to provide coverage immediately.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446155[]' id='answer-id-1726364' class='answer   answerof-446155 ' value='1726364'   \/><label for='answer-id-1726364' id='answer-label-1726364' class=' answer'><span>If the policy were to lapse for any reason, the customer has 90 days to reinstate the policy without proving insurability.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446155[]' id='answer-id-1726365' class='answer   answerof-446155 ' value='1726365'   \/><label for='answer-id-1726365' id='answer-label-1726365' class=' answer'><span>It provides an option to increase coverage without proving insurability.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-14' style=';'><div id='questionWrap-14'  class='   watupro-question-id-446156'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>14. <\/span>Gail is terminally ill and needs funds to help cover her bills. She learns of a company that offers to pay her cash in exchange for being named as her beneficiary on the life insurance when she passes away. <br \/>\r<br>What is the name of such a transaction?<\/div><input type='hidden' name='question_id[]' id='qID_14' value='446156' \/><input type='hidden' id='answerType446156' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446156[]' id='answer-id-1726366' class='answer   answerof-446156 ' value='1726366'   \/><label for='answer-id-1726366' id='answer-label-1726366' class=' answer'><span>Accelerated death benefit<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446156[]' id='answer-id-1726367' class='answer   answerof-446156 ' value='1726367'   \/><label for='answer-id-1726367' id='answer-label-1726367' class=' answer'><span>Final expense policy<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446156[]' id='answer-id-1726368' class='answer   answerof-446156 ' value='1726368'   \/><label for='answer-id-1726368' id='answer-label-1726368' class=' answer'><span>Policy loan<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446156[]' id='answer-id-1726369' class='answer   answerof-446156 ' value='1726369'   \/><label for='answer-id-1726369' id='answer-label-1726369' class=' answer'><span>Viatical settlement<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-15' style=';'><div id='questionWrap-15'  class='   watupro-question-id-446157'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>15. <\/span>Which of the following is NOT a benefit of a variable universal life insurance policy?<\/div><input type='hidden' name='question_id[]' id='qID_15' value='446157' \/><input type='hidden' id='answerType446157' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446157[]' id='answer-id-1726370' class='answer   answerof-446157 ' value='1726370'   \/><label for='answer-id-1726370' id='answer-label-1726370' class=' answer'><span>Guaranteed interest rate<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446157[]' id='answer-id-1726371' class='answer   answerof-446157 ' value='1726371'   \/><label for='answer-id-1726371' id='answer-label-1726371' class=' answer'><span>Flexible premiums<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446157[]' id='answer-id-1726372' class='answer   answerof-446157 ' value='1726372'   \/><label for='answer-id-1726372' id='answer-label-1726372' class=' answer'><span>Opportunity for high returns<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446157[]' id='answer-id-1726373' class='answer   answerof-446157 ' value='1726373'   \/><label for='answer-id-1726373' id='answer-label-1726373' class=' answer'><span>Tax-free growth<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-16' style=';'><div id='questionWrap-16'  class='   watupro-question-id-446158'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>16. <\/span>Bill currently has a group life insurance plan through his employer. In reading over the fine print, Bill discovers that his policy is equipped with a conversion privilege. <br \/>\r<br>What does this mean?<\/div><input type='hidden' name='question_id[]' id='qID_16' value='446158' \/><input type='hidden' id='answerType446158' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446158[]' id='answer-id-1726374' class='answer   answerof-446158 ' value='1726374'   \/><label for='answer-id-1726374' id='answer-label-1726374' class=' answer'><span>His plan can be changed from a group life to individual life.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446158[]' id='answer-id-1726375' class='answer   answerof-446158 ' value='1726375'   \/><label for='answer-id-1726375' id='answer-label-1726375' class=' answer'><span>He can increase his plan's death benefit without proving insurability.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446158[]' id='answer-id-1726376' class='answer   answerof-446158 ' value='1726376'   \/><label for='answer-id-1726376' id='answer-label-1726376' class=' answer'><span>His plan can be transferred from his current employers group life to the next employer's plan.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446158[]' id='answer-id-1726377' class='answer   answerof-446158 ' value='1726377'   \/><label for='answer-id-1726377' id='answer-label-1726377' class=' answer'><span>His employment group-life can become an MEC upon retirement.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-17' style=';'><div id='questionWrap-17'  class='   watupro-question-id-446159'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>17. <\/span>Jane has diabetes and a BMI that suggests obesity. Upon reviewing her application, the life insurance company offers her a policy but with a higher monthly premium due to the severity of her health risk. <br \/>\r<br>Which of the following items determines the increase in cost?<\/div><input type='hidden' name='question_id[]' id='qID_17' value='446159' \/><input type='hidden' id='answerType446159' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446159[]' id='answer-id-1726378' class='answer   answerof-446159 ' value='1726378'   \/><label for='answer-id-1726378' id='answer-label-1726378' class=' answer'><span>Consideration<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446159[]' id='answer-id-1726379' class='answer   answerof-446159 ' value='1726379'   \/><label for='answer-id-1726379' id='answer-label-1726379' class=' answer'><span>Standard Index Adjustment<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446159[]' id='answer-id-1726380' class='answer   answerof-446159 ' value='1726380'   \/><label for='answer-id-1726380' id='answer-label-1726380' class=' answer'><span>Premium Modification<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446159[]' id='answer-id-1726381' class='answer   answerof-446159 ' value='1726381'   \/><label for='answer-id-1726381' id='answer-label-1726381' class=' answer'><span>Table Rating<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-18' style=';'><div id='questionWrap-18'  class='   watupro-question-id-446160'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>18. <\/span>Due to fraudulent claims, most disability insurance companies offer to cover up to which percentage of earned income?<\/div><input type='hidden' name='question_id[]' id='qID_18' value='446160' \/><input type='hidden' id='answerType446160' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446160[]' id='answer-id-1726382' class='answer   answerof-446160 ' value='1726382'   \/><label for='answer-id-1726382' id='answer-label-1726382' class=' answer'><span>Around 45%<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446160[]' id='answer-id-1726383' class='answer   answerof-446160 ' value='1726383'   \/><label for='answer-id-1726383' id='answer-label-1726383' class=' answer'><span>Around 60%<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446160[]' id='answer-id-1726384' class='answer   answerof-446160 ' value='1726384'   \/><label for='answer-id-1726384' id='answer-label-1726384' class=' answer'><span>Around 85%<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446160[]' id='answer-id-1726385' class='answer   answerof-446160 ' value='1726385'   \/><label for='answer-id-1726385' id='answer-label-1726385' class=' answer'><span>Around 100%<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-19' style=';'><div id='questionWrap-19'  class='   watupro-question-id-446161'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>19. <\/span>Vera was recently denied a life insurance policy. The company stated that her income could not justify the amount of life insurance requested. <br \/>\r<br>How far into the past can the insurer check to verify sufficient income?<\/div><input type='hidden' name='question_id[]' id='qID_19' value='446161' \/><input type='hidden' id='answerType446161' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446161[]' id='answer-id-1726386' class='answer   answerof-446161 ' value='1726386'   \/><label for='answer-id-1726386' id='answer-label-1726386' class=' answer'><span>6 months<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446161[]' id='answer-id-1726387' class='answer   answerof-446161 ' value='1726387'   \/><label for='answer-id-1726387' id='answer-label-1726387' class=' answer'><span>12 months<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446161[]' id='answer-id-1726388' class='answer   answerof-446161 ' value='1726388'   \/><label for='answer-id-1726388' id='answer-label-1726388' class=' answer'><span>18 months<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446161[]' id='answer-id-1726389' class='answer   answerof-446161 ' value='1726389'   \/><label for='answer-id-1726389' id='answer-label-1726389' class=' answer'><span>24 months<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-20' style=';'><div id='questionWrap-20'  class='   watupro-question-id-446162'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>20. <\/span>Against which primary benchmark is gross income measured to determine Medicaid eligibility?<\/div><input type='hidden' name='question_id[]' id='qID_20' value='446162' \/><input type='hidden' id='answerType446162' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446162[]' id='answer-id-1726390' class='answer   answerof-446162 ' value='1726390'   \/><label for='answer-id-1726390' id='answer-label-1726390' class=' answer'><span>Federal Poverty Level (PPL)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446162[]' id='answer-id-1726391' class='answer   answerof-446162 ' value='1726391'   \/><label for='answer-id-1726391' id='answer-label-1726391' class=' answer'><span>State Poverty Level (SPL)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446162[]' id='answer-id-1726392' class='answer   answerof-446162 ' value='1726392'   \/><label for='answer-id-1726392' id='answer-label-1726392' class=' answer'><span>Cost of Living Index (CLI)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446162[]' id='answer-id-1726393' class='answer   answerof-446162 ' value='1726393'   \/><label for='answer-id-1726393' id='answer-label-1726393' class=' answer'><span>Credit-Based Reporting (CBR)<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-21' style=';'><div id='questionWrap-21'  class='   watupro-question-id-446163'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>21. <\/span>Henry would like to use his life insurance policy as collateral on a loan at his local bank <br \/>\r<br>The process which permits the bank to be paid upon his death is called which of the following?<\/div><input type='hidden' name='question_id[]' id='qID_21' value='446163' \/><input type='hidden' id='answerType446163' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446163[]' id='answer-id-1726394' class='answer   answerof-446163 ' value='1726394'   \/><label for='answer-id-1726394' id='answer-label-1726394' class=' answer'><span>Indemnification<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446163[]' id='answer-id-1726395' class='answer   answerof-446163 ' value='1726395'   \/><label for='answer-id-1726395' id='answer-label-1726395' class=' answer'><span>Assignment<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446163[]' id='answer-id-1726396' class='answer   answerof-446163 ' value='1726396'   \/><label for='answer-id-1726396' id='answer-label-1726396' class=' answer'><span>Asset Liquefaction<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446163[]' id='answer-id-1726397' class='answer   answerof-446163 ' value='1726397'   \/><label for='answer-id-1726397' id='answer-label-1726397' class=' answer'><span>Settlement Agreement<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-22' style=';'><div id='questionWrap-22'  class='   watupro-question-id-446164'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>22. <\/span>Which of the following is an employer owned and funded account that can help pay for health care expenses?<\/div><input type='hidden' name='question_id[]' id='qID_22' value='446164' \/><input type='hidden' id='answerType446164' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446164[]' id='answer-id-1726398' class='answer   answerof-446164 ' value='1726398'   \/><label for='answer-id-1726398' id='answer-label-1726398' class=' answer'><span>National Recoupment Accounts (NR-As)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446164[]' id='answer-id-1726399' class='answer   answerof-446164 ' value='1726399'   \/><label for='answer-id-1726399' id='answer-label-1726399' class=' answer'><span>Flexible Spending Accounts (FSAs)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446164[]' id='answer-id-1726400' class='answer   answerof-446164 ' value='1726400'   \/><label for='answer-id-1726400' id='answer-label-1726400' class=' answer'><span>Health Reimbursement Accounts CHRAs)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446164[]' id='answer-id-1726401' class='answer   answerof-446164 ' value='1726401'   \/><label for='answer-id-1726401' id='answer-label-1726401' class=' answer'><span>Point of Service plans (POSs)<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-23' style=';'><div id='questionWrap-23'  class='   watupro-question-id-446165'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>23. <\/span>Barbara recently inherited a sizeable financial estate and purchased an annuity from ABC Life Insurance company to pay her a monthly stipend for the rest of her life. <br \/>\r<br>Which annuity product did she purchase?<\/div><input type='hidden' name='question_id[]' id='qID_23' value='446165' \/><input type='hidden' id='answerType446165' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446165[]' id='answer-id-1726402' class='answer   answerof-446165 ' value='1726402'   \/><label for='answer-id-1726402' id='answer-label-1726402' class=' answer'><span>Single Premium Deferred<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446165[]' id='answer-id-1726403' class='answer   answerof-446165 ' value='1726403'   \/><label for='answer-id-1726403' id='answer-label-1726403' class=' answer'><span>Flexible-Premium Fixed<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446165[]' id='answer-id-1726404' class='answer   answerof-446165 ' value='1726404'   \/><label for='answer-id-1726404' id='answer-label-1726404' class=' answer'><span>Single Premium Immediate<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446165[]' id='answer-id-1726405' class='answer   answerof-446165 ' value='1726405'   \/><label for='answer-id-1726405' id='answer-label-1726405' class=' answer'><span>Flexible-Premium Deferred<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-24' style=';'><div id='questionWrap-24'  class='   watupro-question-id-446166'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>24. <\/span>After which phase of the application process does the free look period begin?<\/div><input type='hidden' name='question_id[]' id='qID_24' value='446166' \/><input type='hidden' id='answerType446166' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446166[]' id='answer-id-1726406' class='answer   answerof-446166 ' value='1726406'   \/><label for='answer-id-1726406' id='answer-label-1726406' class=' answer'><span>Application<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446166[]' id='answer-id-1726407' class='answer   answerof-446166 ' value='1726407'   \/><label for='answer-id-1726407' id='answer-label-1726407' class=' answer'><span>Medical exam<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446166[]' id='answer-id-1726408' class='answer   answerof-446166 ' value='1726408'   \/><label for='answer-id-1726408' id='answer-label-1726408' class=' answer'><span>First premium payment<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446166[]' id='answer-id-1726409' class='answer   answerof-446166 ' value='1726409'   \/><label for='answer-id-1726409' id='answer-label-1726409' class=' answer'><span>Delivery<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-25' style=';'><div id='questionWrap-25'  class='   watupro-question-id-446167'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>25. <\/span>When filing a life claim, which of the following is required before a payment to the beneficiary can be processed?<\/div><input type='hidden' name='question_id[]' id='qID_25' value='446167' \/><input type='hidden' id='answerType446167' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446167[]' id='answer-id-1726410' class='answer   answerof-446167 ' value='1726410'   \/><label for='answer-id-1726410' id='answer-label-1726410' class=' answer'><span>Proof of loss<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446167[]' id='answer-id-1726411' class='answer   answerof-446167 ' value='1726411'   \/><label for='answer-id-1726411' id='answer-label-1726411' class=' answer'><span>Proof of unaltered policy<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446167[]' id='answer-id-1726412' class='answer   answerof-446167 ' value='1726412'   \/><label for='answer-id-1726412' id='answer-label-1726412' class=' answer'><span>Proof of premium payments<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446167[]' id='answer-id-1726413' class='answer   answerof-446167 ' value='1726413'   \/><label for='answer-id-1726413' id='answer-label-1726413' class=' answer'><span>Proof of insurability<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-26' style=';'><div id='questionWrap-26'  class='   watupro-question-id-446168'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>26. <\/span>Jane is looking to maximize the available death benefit versus premiums paid. <br \/>\r<br>Which of the following products is most likely to meet her need?<\/div><input type='hidden' name='question_id[]' id='qID_26' value='446168' \/><input type='hidden' id='answerType446168' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446168[]' id='answer-id-1726414' class='answer   answerof-446168 ' value='1726414'   \/><label for='answer-id-1726414' id='answer-label-1726414' class=' answer'><span>Return of Premium<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446168[]' id='answer-id-1726415' class='answer   answerof-446168 ' value='1726415'   \/><label for='answer-id-1726415' id='answer-label-1726415' class=' answer'><span>Annual Renewable Term<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446168[]' id='answer-id-1726416' class='answer   answerof-446168 ' value='1726416'   \/><label for='answer-id-1726416' id='answer-label-1726416' class=' answer'><span>Decreasing Term<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446168[]' id='answer-id-1726417' class='answer   answerof-446168 ' value='1726417'   \/><label for='answer-id-1726417' id='answer-label-1726417' class=' answer'><span>Level Term<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-27' style=';'><div id='questionWrap-27'  class='   watupro-question-id-446169'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>27. <\/span>Which of the following examples would receive a full payment in an Accidental Death &amp; Dismemberment insurance policy?<\/div><input type='hidden' name='question_id[]' id='qID_27' value='446169' \/><input type='hidden' id='answerType446169' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446169[]' id='answer-id-1726418' class='answer   answerof-446169 ' value='1726418'   \/><label for='answer-id-1726418' id='answer-label-1726418' class=' answer'><span>Loss of life due to tornado<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446169[]' id='answer-id-1726419' class='answer   answerof-446169 ' value='1726419'   \/><label for='answer-id-1726419' id='answer-label-1726419' class=' answer'><span>Loss of life due to drug overdose<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446169[]' id='answer-id-1726420' class='answer   answerof-446169 ' value='1726420'   \/><label for='answer-id-1726420' id='answer-label-1726420' class=' answer'><span>Loss of life due to falling object<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446169[]' id='answer-id-1726421' class='answer   answerof-446169 ' value='1726421'   \/><label for='answer-id-1726421' id='answer-label-1726421' class=' answer'><span>Loss of life due to heart attack<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-28' style=';'><div id='questionWrap-28'  class='   watupro-question-id-446170'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>28. <\/span>In order to take out a life insurance policy on another individual, one crucial component is insurable interest. <br \/>\r<br>Which of the following is least likely to be an insurable interest?<\/div><input type='hidden' name='question_id[]' id='qID_28' value='446170' \/><input type='hidden' id='answerType446170' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446170[]' id='answer-id-1726422' class='answer   answerof-446170 ' value='1726422'   \/><label for='answer-id-1726422' id='answer-label-1726422' class=' answer'><span>Roommate<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446170[]' id='answer-id-1726423' class='answer   answerof-446170 ' value='1726423'   \/><label for='answer-id-1726423' id='answer-label-1726423' class=' answer'><span>Employer<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446170[]' id='answer-id-1726424' class='answer   answerof-446170 ' value='1726424'   \/><label for='answer-id-1726424' id='answer-label-1726424' class=' answer'><span>Nephew<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446170[]' id='answer-id-1726425' class='answer   answerof-446170 ' value='1726425'   \/><label for='answer-id-1726425' id='answer-label-1726425' class=' answer'><span>Ex-wife<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-29' style=';'><div id='questionWrap-29'  class='   watupro-question-id-446171'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>29. <\/span>Which of the following is the term for the period before a life insurance policy goes into effect?<\/div><input type='hidden' name='question_id[]' id='qID_29' value='446171' \/><input type='hidden' id='answerType446171' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446171[]' id='answer-id-1726426' class='answer   answerof-446171 ' value='1726426'   \/><label for='answer-id-1726426' id='answer-label-1726426' class=' answer'><span>Confirmation Period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446171[]' id='answer-id-1726427' class='answer   answerof-446171 ' value='1726427'   \/><label for='answer-id-1726427' id='answer-label-1726427' class=' answer'><span>Underwriting Review Period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446171[]' id='answer-id-1726428' class='answer   answerof-446171 ' value='1726428'   \/><label for='answer-id-1726428' id='answer-label-1726428' class=' answer'><span>Elimination Period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446171[]' id='answer-id-1726429' class='answer   answerof-446171 ' value='1726429'   \/><label for='answer-id-1726429' id='answer-label-1726429' class=' answer'><span>Probationary Period<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-30' style=';'><div id='questionWrap-30'  class='   watupro-question-id-446172'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>30. <\/span>Ralph paid his initial premium for his term life insurance policy at ABC Life Insurance Company. He was immediately handed a document referred to as a &quot;binding receipt.&quot; <br \/>\r<br>What is the main purpose behind a binding receipt?<\/div><input type='hidden' name='question_id[]' id='qID_30' value='446172' \/><input type='hidden' id='answerType446172' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446172[]' id='answer-id-1726430' class='answer   answerof-446172 ' value='1726430'   \/><label for='answer-id-1726430' id='answer-label-1726430' class=' answer'><span>Unconditional commitment that the death benefit will pay out<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446172[]' id='answer-id-1726431' class='answer   answerof-446172 ' value='1726431'   \/><label for='answer-id-1726431' id='answer-label-1726431' class=' answer'><span>Conditional commitment that the death benefit will pay out after a medical exam is completed<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446172[]' id='answer-id-1726432' class='answer   answerof-446172 ' value='1726432'   \/><label for='answer-id-1726432' id='answer-label-1726432' class=' answer'><span>Conditional commitment that the death benefit will pay out if the insured dies before the application is processed<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446172[]' id='answer-id-1726433' class='answer   answerof-446172 ' value='1726433'   \/><label for='answer-id-1726433' id='answer-label-1726433' class=' answer'><span>Unconditional commitment that the death benefit will pay out if the application is processed in time<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-31' style=';'><div id='questionWrap-31'  class='   watupro-question-id-446173'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>31. <\/span>You can add a term rider on each of the following insurance policies except for which?<\/div><input type='hidden' name='question_id[]' id='qID_31' value='446173' \/><input type='hidden' id='answerType446173' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446173[]' id='answer-id-1726434' class='answer   answerof-446173 ' value='1726434'   \/><label for='answer-id-1726434' id='answer-label-1726434' class=' answer'><span>Whole Life<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446173[]' id='answer-id-1726435' class='answer   answerof-446173 ' value='1726435'   \/><label for='answer-id-1726435' id='answer-label-1726435' class=' answer'><span>Universal Life<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446173[]' id='answer-id-1726436' class='answer   answerof-446173 ' value='1726436'   \/><label for='answer-id-1726436' id='answer-label-1726436' class=' answer'><span>Limited Pay Life<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446173[]' id='answer-id-1726437' class='answer   answerof-446173 ' value='1726437'   \/><label for='answer-id-1726437' id='answer-label-1726437' class=' answer'><span>Term Life<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-32' style=';'><div id='questionWrap-32'  class='   watupro-question-id-446174'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>32. <\/span>Keith is a partner in his accounting firm and has been disabled for a year. Keith's partners do not expect Keith to return and after looking over their partner agreement, they discover a disability buy-out provision. <br \/>\r<br>What does this provision require Keith to do?<\/div><input type='hidden' name='question_id[]' id='qID_32' value='446174' \/><input type='hidden' id='answerType446174' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446174[]' id='answer-id-1726438' class='answer   answerof-446174 ' value='1726438'   \/><label for='answer-id-1726438' id='answer-label-1726438' class=' answer'><span>Split his disability payments among the other partners<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446174[]' id='answer-id-1726439' class='answer   answerof-446174 ' value='1726439'   \/><label for='answer-id-1726439' id='answer-label-1726439' class=' answer'><span>Cease all future disability payments<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446174[]' id='answer-id-1726440' class='answer   answerof-446174 ' value='1726440'   \/><label for='answer-id-1726440' id='answer-label-1726440' class=' answer'><span>Sell his portion of the business to the remaining partners<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446174[]' id='answer-id-1726441' class='answer   answerof-446174 ' value='1726441'   \/><label for='answer-id-1726441' id='answer-label-1726441' class=' answer'><span>Exit the firm<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-33' style=';'><div id='questionWrap-33'  class='   watupro-question-id-446175'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>33. <\/span>Which of the following restricts patients to a select network of physicians?<\/div><input type='hidden' name='question_id[]' id='qID_33' value='446175' \/><input type='hidden' id='answerType446175' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446175[]' id='answer-id-1726442' class='answer   answerof-446175 ' value='1726442'   \/><label for='answer-id-1726442' id='answer-label-1726442' class=' answer'><span>Health Maintenance Organization (HMO)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446175[]' id='answer-id-1726443' class='answer   answerof-446175 ' value='1726443'   \/><label for='answer-id-1726443' id='answer-label-1726443' class=' answer'><span>Preferred Provider Organization (PPO)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446175[]' id='answer-id-1726444' class='answer   answerof-446175 ' value='1726444'   \/><label for='answer-id-1726444' id='answer-label-1726444' class=' answer'><span>Employer Group Health (EGH)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446175[]' id='answer-id-1726445' class='answer   answerof-446175 ' value='1726445'   \/><label for='answer-id-1726445' id='answer-label-1726445' class=' answer'><span>High Deductible Health Plan (HDHP)<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-34' style=';'><div id='questionWrap-34'  class='   watupro-question-id-446176'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>34. <\/span>Which type of policy is used to circumvent the requirement of insurable interest when buying a life insurance product?<\/div><input type='hidden' name='question_id[]' id='qID_34' value='446176' \/><input type='hidden' id='answerType446176' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446176[]' id='answer-id-1726446' class='answer   answerof-446176 ' value='1726446'   \/><label for='answer-id-1726446' id='answer-label-1726446' class=' answer'><span>Interest-sensitive whole life<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446176[]' id='answer-id-1726447' class='answer   answerof-446176 ' value='1726447'   \/><label for='answer-id-1726447' id='answer-label-1726447' class=' answer'><span>Limited-pay whole life<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446176[]' id='answer-id-1726448' class='answer   answerof-446176 ' value='1726448'   \/><label for='answer-id-1726448' id='answer-label-1726448' class=' answer'><span>Universal life<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446176[]' id='answer-id-1726449' class='answer   answerof-446176 ' value='1726449'   \/><label for='answer-id-1726449' id='answer-label-1726449' class=' answer'><span>Investor-owned life<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-35' style=';'><div id='questionWrap-35'  class='   watupro-question-id-446177'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>35. <\/span>What age does an annuity-holder have to be to avoid the IRS 10% early withdrawal penalty tax?<\/div><input type='hidden' name='question_id[]' id='qID_35' value='446177' \/><input type='hidden' id='answerType446177' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446177[]' id='answer-id-1726450' class='answer   answerof-446177 ' value='1726450'   \/><label for='answer-id-1726450' id='answer-label-1726450' class=' answer'><span>62.5<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446177[]' id='answer-id-1726451' class='answer   answerof-446177 ' value='1726451'   \/><label for='answer-id-1726451' id='answer-label-1726451' class=' answer'><span>72<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446177[]' id='answer-id-1726452' class='answer   answerof-446177 ' value='1726452'   \/><label for='answer-id-1726452' id='answer-label-1726452' class=' answer'><span>65<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446177[]' id='answer-id-1726453' class='answer   answerof-446177 ' value='1726453'   \/><label for='answer-id-1726453' id='answer-label-1726453' class=' answer'><span>59.5<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-36' style=';'><div id='questionWrap-36'  class='   watupro-question-id-446178'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>36. <\/span>Jill is asked for a premium payment upon submitting her life insurance application. She agrees and makes the payment. <br \/>\r<br>When does her policy coverage begin?<\/div><input type='hidden' name='question_id[]' id='qID_36' value='446178' \/><input type='hidden' id='answerType446178' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446178[]' id='answer-id-1726454' class='answer   answerof-446178 ' value='1726454'   \/><label for='answer-id-1726454' id='answer-label-1726454' class=' answer'><span>After the policy is delivered<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446178[]' id='answer-id-1726455' class='answer   answerof-446178 ' value='1726455'   \/><label for='answer-id-1726455' id='answer-label-1726455' class=' answer'><span>After the medical exam is complete<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446178[]' id='answer-id-1726456' class='answer   answerof-446178 ' value='1726456'   \/><label for='answer-id-1726456' id='answer-label-1726456' class=' answer'><span>After she makes her second premium payment<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446178[]' id='answer-id-1726457' class='answer   answerof-446178 ' value='1726457'   \/><label for='answer-id-1726457' id='answer-label-1726457' class=' answer'><span>Immediately<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-37' style=';'><div id='questionWrap-37'  class='   watupro-question-id-446179'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>37. <\/span>Which of the following describes the primary difference between an annuity plan being qualified or unqualified?<\/div><input type='hidden' name='question_id[]' id='qID_37' value='446179' \/><input type='hidden' id='answerType446179' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446179[]' id='answer-id-1726458' class='answer   answerof-446179 ' value='1726458'   \/><label for='answer-id-1726458' id='answer-label-1726458' class=' answer'><span>Up-front capital<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446179[]' id='answer-id-1726459' class='answer   answerof-446179 ' value='1726459'   \/><label for='answer-id-1726459' id='answer-label-1726459' class=' answer'><span>Risk reduction<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446179[]' id='answer-id-1726460' class='answer   answerof-446179 ' value='1726460'   \/><label for='answer-id-1726460' id='answer-label-1726460' class=' answer'><span>Pre- or post-tax deductions<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446179[]' id='answer-id-1726461' class='answer   answerof-446179 ' value='1726461'   \/><label for='answer-id-1726461' id='answer-label-1726461' class=' answer'><span>Ease of application<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-38' style=';'><div id='questionWrap-38'  class='   watupro-question-id-446180'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>38. <\/span>Each state mandates that life insurance companies provide a free look period of how many days?<\/div><input type='hidden' name='question_id[]' id='qID_38' value='446180' \/><input type='hidden' id='answerType446180' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446180[]' id='answer-id-1726462' class='answer   answerof-446180 ' value='1726462'   \/><label for='answer-id-1726462' id='answer-label-1726462' class=' answer'><span>At least 10 days<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446180[]' id='answer-id-1726463' class='answer   answerof-446180 ' value='1726463'   \/><label for='answer-id-1726463' id='answer-label-1726463' class=' answer'><span>At least 15 days<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446180[]' id='answer-id-1726464' class='answer   answerof-446180 ' value='1726464'   \/><label for='answer-id-1726464' id='answer-label-1726464' class=' answer'><span>At least 20 days<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446180[]' id='answer-id-1726465' class='answer   answerof-446180 ' value='1726465'   \/><label for='answer-id-1726465' id='answer-label-1726465' class=' answer'><span>At least 30 days<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-39' style=';'><div id='questionWrap-39'  class='   watupro-question-id-446181'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>39. <\/span>1.MEC's are formidable retirement mediums with many strengths to boast, but there are also disadvantages to take into account. <br \/>\r<br>Which of the following is NOT a disadvantage of a Modified Endowment Contract (MEC)?<\/div><input type='hidden' name='question_id[]' id='qID_39' value='446181' \/><input type='hidden' id='answerType446181' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446181[]' id='answer-id-1726466' class='answer   answerof-446181 ' value='1726466'   \/><label for='answer-id-1726466' id='answer-label-1726466' class=' answer'><span>FIFO does not apply.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446181[]' id='answer-id-1726467' class='answer   answerof-446181 ' value='1726467'   \/><label for='answer-id-1726467' id='answer-label-1726467' class=' answer'><span>Policy loans are treated as ordinary income.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446181[]' id='answer-id-1726468' class='answer   answerof-446181 ' value='1726468'   \/><label for='answer-id-1726468' id='answer-label-1726468' class=' answer'><span>A penalty is levied on withdrawal before age 59.5.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446181[]' id='answer-id-1726469' class='answer   answerof-446181 ' value='1726469'   \/><label for='answer-id-1726469' id='answer-label-1726469' class=' answer'><span>There is a loss of tax-free death benefit privilege.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-40' style=';'><div id='questionWrap-40'  class='   watupro-question-id-446182'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>40. <\/span>Tracey intends to purchase a long-term care policy. She has a large emergency fund to rely on, so she only wants this policy in case of an extreme emergency. <br \/>\r<br>Which feature of her policy might be adjusted to balance cost and risk in her case?<\/div><input type='hidden' name='question_id[]' id='qID_40' value='446182' \/><input type='hidden' id='answerType446182' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446182[]' id='answer-id-1726470' class='answer   answerof-446182 ' value='1726470'   \/><label for='answer-id-1726470' id='answer-label-1726470' class=' answer'><span>Benefit Initiation<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446182[]' id='answer-id-1726471' class='answer   answerof-446182 ' value='1726471'   \/><label for='answer-id-1726471' id='answer-label-1726471' class=' answer'><span>Risk Waiver<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446182[]' id='answer-id-1726472' class='answer   answerof-446182 ' value='1726472'   \/><label for='answer-id-1726472' id='answer-label-1726472' class=' answer'><span>Elimination Period<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-446182[]' id='answer-id-1726473' class='answer   answerof-446182 ' value='1726473'   \/><label for='answer-id-1726473' id='answer-label-1726473' class=' answer'><span>Inflation Protection<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div style='display:none' id='question-41'>\n\t<div class='question-content'>\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\" alt=\"Loading...\" title=\"Loading...\" \/>&nbsp;Loading...\t<\/div>\n<\/div>\n\n<br \/>\n\t\n\t\t\t<div class=\"watupro_buttons flex \" id=\"watuPROButtons11350\" >\n\t\t  <div id=\"prev-question\" style=\"display:none;\"><input type=\"button\" value=\"&lt; 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   \t \n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Earning the Oklahoma Life, Accident, and Health or Sickness Producer certification is one of the smartest moves an IT professional can make. So you need a reliable study guide to achieve success. DumpsBase\u2019s Ok Life Accident and Health or Sickness Producer dumps (V8.02) are available to help you make preparations. You may have read our [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20720,20721],"tags":[20756,20757],"class_list":["post-116941","post","type-post","status-publish","format-standard","hentry","category-insurance-licensing","category-insurance-licensing-certification","tag-ok-life-accident-and-health-or-sickness-producer","tag-ok-life-accident-and-health-or-sickness-producer-free-dumps"],"_links":{"self":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts\/116941","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/comments?post=116941"}],"version-history":[{"count":1,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts\/116941\/revisions"}],"predecessor-version":[{"id":116942,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts\/116941\/revisions\/116942"}],"wp:attachment":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/media?parent=116941"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/categories?post=116941"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/tags?post=116941"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}