{"id":124572,"date":"2026-05-01T08:56:00","date_gmt":"2026-05-01T08:56:00","guid":{"rendered":"https:\/\/www.dumpsbase.com\/freedumps\/?p=124572"},"modified":"2026-04-27T09:00:47","modified_gmt":"2026-04-27T09:00:47","slug":"iic-ribo-level-1-dumps-v8-02-for-your-ribo-level-1-entry-level-broker-exam-preparation-check-ribo-level-1-free-dumps-part-1-q1-q40-first","status":"publish","type":"post","link":"https:\/\/www.dumpsbase.com\/freedumps\/iic-ribo-level-1-dumps-v8-02-for-your-ribo-level-1-entry-level-broker-exam-preparation-check-ribo-level-1-free-dumps-part-1-q1-q40-first.html","title":{"rendered":"IIC RIBO-Level-1 Dumps (V8.02) for Your RIBO Level 1 Entry-Level Broker Exam Preparation &#8211; Check RIBO-Level-1 Free Dumps (Part 1, Q1-Q40) First"},"content":{"rendered":"\n<p>The RIBO Level 1 Entry-Level Broker Exam (RIBO-Level-1) represents a significant step forward in setting new standards for RIBO\u2019s examination process. It guides exam content development to assess candidates on the knowledge, skills, abilities, and behaviours needed for success as entry-level brokers. To prepare effectively, you can use IIC RIBO-Level-1 dumps (V8.02) from DumpsBase, learning all 214 practice questions and answers to become familiar with the actual exam format and improve your confidence before the RIBO Level 1 Entry-Level Broker Exam day. Start your learning with DumpsBase today. These RIBO-Level-1 dumps (V8.02) are designed to support your preparation by offering accurate questions, clear answers, and easy-to-use study formats. With regular practice, you can identify weak areas, strengthen your understanding, and build the confidence needed for the exam.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Check IIC RIBO-Level-1 free dumps (Part 1, Q1-Q40) of V8.02 below first:<\/h2>\n\n\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=\"submittingExam12101\" 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-12101\"><\/div>\n\n<form action=\"\" method=\"post\" class=\"quiz-form\" id=\"quiz-12101\"  enctype=\"multipart\/form-data\" >\n<div class='watu-question ' id='question-1' style=';'><div id='questionWrap-1'  class='   watupro-question-id-473320'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>1. <\/span>According to the Statutory Conditions of a Fire Policy, how much notice must an insurer give when terminating a policy by registered mail?<\/div><input type='hidden' name='question_id[]' id='qID_1' value='473320' \/><input type='hidden' id='answerType473320' 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-473320[]' id='answer-id-1829296' class='answer   answerof-473320 ' value='1829296'   \/><label for='answer-id-1829296' id='answer-label-1829296' class=' answer'><span>5 days.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473320[]' id='answer-id-1829297' class='answer   answerof-473320 ' value='1829297'   \/><label for='answer-id-1829297' id='answer-label-1829297' class=' answer'><span>10 days.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473320[]' id='answer-id-1829298' class='answer   answerof-473320 ' value='1829298'   \/><label for='answer-id-1829298' id='answer-label-1829298' class=' answer'><span>15 days.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473320[]' id='answer-id-1829299' class='answer   answerof-473320 ' value='1829299'   \/><label for='answer-id-1829299' id='answer-label-1829299' class=' answer'><span>30 days.<\/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-473321'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>2. <\/span>A broker discovers the client does not have sewer back up coverage, and that the location now qualifies for it. <br \/>\r<br>What should the broker do next?<\/div><input type='hidden' name='question_id[]' id='qID_2' value='473321' \/><input type='hidden' id='answerType473321' 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-473321[]' id='answer-id-1829300' class='answer   answerof-473321 ' value='1829300'   \/><label for='answer-id-1829300' id='answer-label-1829300' class=' answer'><span>Notify the client 30 days prior to renewal, offer to quote &amp; add.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473321[]' id='answer-id-1829301' class='answer   answerof-473321 ' value='1829301'   \/><label for='answer-id-1829301' id='answer-label-1829301' class=' answer'><span>Immediatley add the coverage, notify the client.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473321[]' id='answer-id-1829302' class='answer   answerof-473321 ' value='1829302'   \/><label for='answer-id-1829302' id='answer-label-1829302' class=' answer'><span>Notify the client immediately, quote sewer backup, offer to add.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473321[]' id='answer-id-1829303' class='answer   answerof-473321 ' value='1829303'   \/><label for='answer-id-1829303' id='answer-label-1829303' class=' answer'><span>Notify the client 60 days prior to renewal, offer to quote &amp; add.<\/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-473322'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>3. <\/span>What is NOT an example of Equipment Breakdown for a commercial policy?<\/div><input type='hidden' name='question_id[]' id='qID_3' value='473322' \/><input type='hidden' id='answerType473322' 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-473322[]' id='answer-id-1829304' class='answer   answerof-473322 ' value='1829304'   \/><label for='answer-id-1829304' id='answer-label-1829304' class=' answer'><span>A thermostat failure in a commercial freezer.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473322[]' id='answer-id-1829305' class='answer   answerof-473322 ' value='1829305'   \/><label for='answer-id-1829305' id='answer-label-1829305' class=' answer'><span>An engine for a generator is suddenly deemed inoperable.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473322[]' id='answer-id-1829306' class='answer   answerof-473322 ' value='1829306'   \/><label for='answer-id-1829306' id='answer-label-1829306' class=' answer'><span>Smoke Alarms working intermittently due to a known faulty wiring issue.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473322[]' id='answer-id-1829307' class='answer   answerof-473322 ' value='1829307'   \/><label for='answer-id-1829307' id='answer-label-1829307' class=' answer'><span>Electrical damage to a conveyor system as a result of a power surge.<\/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-473323'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>4. <\/span>According to the Registered Insurance Brokers (RIB) Act, a &quot;Principal Broker&quot; is primarily responsible for which of the following?<\/div><input type='hidden' name='question_id[]' id='qID_4' value='473323' \/><input type='hidden' id='answerType473323' 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-473323[]' id='answer-id-1829308' class='answer   answerof-473323 ' value='1829308'   \/><label for='answer-id-1829308' id='answer-label-1829308' class=' answer'><span>Ensuring that all individual brokers within the brokerage are meeting their sales targets.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473323[]' id='answer-id-1829309' class='answer   answerof-473323 ' value='1829309'   \/><label for='answer-id-1829309' id='answer-label-1829309' class=' answer'><span>Managing the marketing and advertising strategies of the brokerage.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473323[]' id='answer-id-1829310' class='answer   answerof-473323 ' value='1829310'   \/><label for='answer-id-1829310' id='answer-label-1829310' class=' answer'><span>Ensuring that the brokerage and all its registered individuals comply with the Act, regulations, and by-laws.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473323[]' id='answer-id-1829311' class='answer   answerof-473323 ' value='1829311'   \/><label for='answer-id-1829311' id='answer-label-1829311' class=' answer'><span>Personally handling all claims settlements for every client of the brokerage.<\/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-473324'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>5. <\/span>There is a leakage of gas in a nearby factory and the city announces the residents to leave town. <br \/>\r<br>Which optional additional coverage of the homeowners' policy covers the expenses to stay in another town?<\/div><input type='hidden' name='question_id[]' id='qID_5' value='473324' \/><input type='hidden' id='answerType473324' 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-473324[]' id='answer-id-1829312' class='answer   answerof-473324 ' value='1829312'   \/><label for='answer-id-1829312' id='answer-label-1829312' class=' answer'><span>Contamination Insurance.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473324[]' id='answer-id-1829313' class='answer   answerof-473324 ' value='1829313'   \/><label for='answer-id-1829313' id='answer-label-1829313' class=' answer'><span>Mass Evacuation.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473324[]' id='answer-id-1829314' class='answer   answerof-473324 ' value='1829314'   \/><label for='answer-id-1829314' id='answer-label-1829314' class=' answer'><span>Rental Insurance.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473324[]' id='answer-id-1829315' class='answer   answerof-473324 ' value='1829315'   \/><label for='answer-id-1829315' id='answer-label-1829315' class=' answer'><span>Smoke Coverage.<\/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-473325'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>6. <\/span>Patricia is being sued for $3 million as a result of an automobile accident where she was deemed 50 percent at-fault. At the time of the loss, Patricia had an automobile policy with Globex Insurance Company and held a liability limit of $2 million. She also had an Umbrella Policy with Eiffel Insurance Company with a $2 million Limit. <br \/>\r<br>If the claimant is awarded $3 million, how is the claim payment structured?<\/div><input type='hidden' name='question_id[]' id='qID_6' value='473325' \/><input type='hidden' id='answerType473325' 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-473325[]' id='answer-id-1829316' class='answer   answerof-473325 ' value='1829316'   \/><label for='answer-id-1829316' id='answer-label-1829316' class=' answer'><span>Globex Insurance covers $2 million and Eiffel Insurance covers the remaining $1 million.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473325[]' id='answer-id-1829317' class='answer   answerof-473325 ' value='1829317'   \/><label for='answer-id-1829317' id='answer-label-1829317' class=' answer'><span>Globex Insurance covers $1 million and Eiffel Insurance covers the remaining $2 million.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473325[]' id='answer-id-1829318' class='answer   answerof-473325 ' value='1829318'   \/><label for='answer-id-1829318' id='answer-label-1829318' class=' answer'><span>Globex Insurance covers $2 million and Patricia pays the remaining $1 million.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473325[]' id='answer-id-1829319' class='answer   answerof-473325 ' value='1829319'   \/><label for='answer-id-1829319' id='answer-label-1829319' class=' answer'><span>Globex Insurance covers $1.5 million as Patricia was deemed 50 percent at fault.<\/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-473326'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>7. <\/span>A building worth $500,000 is insured for $300,000 with a 90% co-insurance clause. A fire causes $200,000 damage. <br \/>\r<br>How much does the insurer pay?<\/div><input type='hidden' name='question_id[]' id='qID_7' value='473326' \/><input type='hidden' id='answerType473326' 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-473326[]' id='answer-id-1829320' class='answer   answerof-473326 ' value='1829320'   \/><label for='answer-id-1829320' id='answer-label-1829320' class=' answer'><span>$100,000<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473326[]' id='answer-id-1829321' class='answer   answerof-473326 ' value='1829321'   \/><label for='answer-id-1829321' id='answer-label-1829321' class=' answer'><span>$122,222.22<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473326[]' id='answer-id-1829322' class='answer   answerof-473326 ' value='1829322'   \/><label for='answer-id-1829322' id='answer-label-1829322' class=' answer'><span>$200,000<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473326[]' id='answer-id-1829323' class='answer   answerof-473326 ' value='1829323'   \/><label for='answer-id-1829323' id='answer-label-1829323' class=' answer'><span>$133,333.33<\/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-473327'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>8. <\/span>An insured dies in a fire at their home caused by careless smoking. <br \/>\r<br>What action will the insurer of the dwelling take?<\/div><input type='hidden' name='question_id[]' id='qID_8' value='473327' \/><input type='hidden' id='answerType473327' 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-473327[]' id='answer-id-1829324' class='answer   answerof-473327 ' value='1829324'   \/><label for='answer-id-1829324' id='answer-label-1829324' class=' answer'><span>Deny the loss to building and contents as the insured caused the fire.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473327[]' id='answer-id-1829325' class='answer   answerof-473327 ' value='1829325'   \/><label for='answer-id-1829325' id='answer-label-1829325' class=' answer'><span>Pay the loss to the building and contents to the insured's estate.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473327[]' id='answer-id-1829326' class='answer   answerof-473327 ' value='1829326'   \/><label for='answer-id-1829326' id='answer-label-1829326' class=' answer'><span>Pay the building and contents loss into Court in trust.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473327[]' id='answer-id-1829327' class='answer   answerof-473327 ' value='1829327'   \/><label for='answer-id-1829327' id='answer-label-1829327' class=' answer'><span>Be unable to pay the property loss as the named insured is no longer available to sign the proof of loss.<\/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-473328'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>9. <\/span>John's Excavating commercial liability policy shows the description of operation as construction. John advises his Broker that he will be doing some snow removal for a period of 60 days. <br \/>\r<br>What should John's Broker do?<\/div><input type='hidden' name='question_id[]' id='qID_9' value='473328' \/><input type='hidden' id='answerType473328' 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-473328[]' id='answer-id-1829328' class='answer   answerof-473328 ' value='1829328'   \/><label for='answer-id-1829328' id='answer-label-1829328' class=' answer'><span>Advise the client that no action is required as the snow removal is being done for a short period of time.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473328[]' id='answer-id-1829329' class='answer   answerof-473328 ' value='1829329'   \/><label for='answer-id-1829329' id='answer-label-1829329' class=' answer'><span>Advise the client there is automatic coverage under the Commercial General Liability policy for additional operations.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473328[]' id='answer-id-1829330' class='answer   answerof-473328 ' value='1829330'   \/><label for='answer-id-1829330' id='answer-label-1829330' class=' answer'><span>Advise the client that the change in operations will be reported to the insurance company.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473328[]' id='answer-id-1829331' class='answer   answerof-473328 ' value='1829331'   \/><label for='answer-id-1829331' id='answer-label-1829331' class=' answer'><span>Advise the client to delay the snow-removal work until the policy renews to avoid complications.<\/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-473329'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>10. <\/span>Your insured has Comprehensive coverage on O.A.P. 1 Owner's Policy and informs you that they will be taking the car by ferry from Yarmouth, Nova Scotia to Bar Harbour, Maine. The insured asks if the policy would cover the loss of the automobile if the ferry sank in a storm. <br \/>\r<br>What do you tell them?<\/div><input type='hidden' name='question_id[]' id='qID_10' value='473329' \/><input type='hidden' id='answerType473329' 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-473329[]' id='answer-id-1829332' class='answer   answerof-473329 ' value='1829332'   \/><label for='answer-id-1829332' id='answer-label-1829332' class=' answer'><span>The Comprehensive coverage would pay.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473329[]' id='answer-id-1829333' class='answer   answerof-473329 ' value='1829333'   \/><label for='answer-id-1829333' id='answer-label-1829333' class=' answer'><span>There would be no coverage as the ferry was not operating solely between Canadian ports.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473329[]' id='answer-id-1829334' class='answer   answerof-473329 ' value='1829334'   \/><label for='answer-id-1829334' id='answer-label-1829334' class=' answer'><span>Stranding or sinking while the automobile is being transported on water is only covered for Specified Perils, not Comprehensive.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473329[]' id='answer-id-1829335' class='answer   answerof-473329 ' value='1829335'   \/><label for='answer-id-1829335' id='answer-label-1829335' class=' answer'><span>There would be no coverage unless a special Ferry Rider was added.<\/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-473330'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>11. <\/span>Iqbal was involved in an automobile accident and was charged with the impaired operation of a motor vehicle. As a result, the insurance company is declining to repair Iqbal's vehicle under his collision coverage. Iqbal is adamant that he was not impaired at the time of the accident. <br \/>\r<br>What should the Broker do?<\/div><input type='hidden' name='question_id[]' id='qID_11' value='473330' \/><input type='hidden' id='answerType473330' 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-473330[]' id='answer-id-1829336' class='answer   answerof-473330 ' value='1829336'   \/><label for='answer-id-1829336' id='answer-label-1829336' class=' answer'><span>Advise Iqbal that as he has been charged with impaired operation of a motor vehicle, he has voided his automobile policy, including the collision portion. There is nothing that can be done to repair or replace his vehicle under his insurance policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473330[]' id='answer-id-1829337' class='answer   answerof-473330 ' value='1829337'   \/><label for='answer-id-1829337' id='answer-label-1829337' class=' answer'><span>Advise Iqbal that he has the option to file a not guilty response. Upon evidence that the impaired conviction is dismissed, the Broker will submit this documentation to the insurer for settlement under the collision coverage on his policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473330[]' id='answer-id-1829338' class='answer   answerof-473330 ' value='1829338'   \/><label for='answer-id-1829338' id='answer-label-1829338' class=' answer'><span>Remind Iqbal that he should not have been driving while his ability to do so was impaired. Provide a quote for a new policy and include the surcharge that would follow an impaired conviction.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473330[]' id='answer-id-1829339' class='answer   answerof-473330 ' value='1829339'   \/><label for='answer-id-1829339' id='answer-label-1829339' class=' answer'><span>Advise Iqbal that even though he was at fault in the accident he should seek legal council and bring suit against the other driver in the hopes that he could get some money to repair or replace his vehicle.<\/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-473331'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>12. <\/span>Which of the following statements is TRUE about the O.A.P. 1 Owner's Policy optional coverage &quot;OPCF 44R-Family Protection Coverage?<\/div><input type='hidden' name='question_id[]' id='qID_12' value='473331' \/><input type='hidden' id='answerType473331' 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-473331[]' id='answer-id-1829340' class='answer   answerof-473331 ' value='1829340'   \/><label for='answer-id-1829340' id='answer-label-1829340' class=' answer'><span>It will protect the insured for injuries received as a pedestrian when the driver of a vehicle which causes the injuries does not carry sufficient insurance.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473331[]' id='answer-id-1829341' class='answer   answerof-473331 ' value='1829341'   \/><label for='answer-id-1829341' id='answer-label-1829341' class=' answer'><span>It is automatically included under Section 4-Accident Benefits of the policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473331[]' id='answer-id-1829342' class='answer   answerof-473331 ' value='1829342'   \/><label for='answer-id-1829342' id='answer-label-1829342' class=' answer'><span>It is not available to commercial vehicles because injuries received by passengers in such vehicles are covered under Worker's Compensation legislation.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473331[]' id='answer-id-1829343' class='answer   answerof-473331 ' value='1829343'   \/><label for='answer-id-1829343' id='answer-label-1829343' class=' answer'><span>It pays for benefits to insured's passengers who are under-insured in the amount of any accident and sickness insurance they carry on themselves.<\/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-473332'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>13. <\/span>Risk may be dealt with in a number of ways including transferring it to others or retaining it intentionally. <br \/>\r<br>Which of the following alternatives is a transfer of risk?<\/div><input type='hidden' name='question_id[]' id='qID_13' value='473332' \/><input type='hidden' id='answerType473332' 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-473332[]' id='answer-id-1829344' class='answer   answerof-473332 ' value='1829344'   \/><label for='answer-id-1829344' id='answer-label-1829344' class=' answer'><span>A monitored security system.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473332[]' id='answer-id-1829345' class='answer   answerof-473332 ' value='1829345'   \/><label for='answer-id-1829345' id='answer-label-1829345' class=' answer'><span>Self-insurance.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473332[]' id='answer-id-1829346' class='answer   answerof-473332 ' value='1829346'   \/><label for='answer-id-1829346' id='answer-label-1829346' class=' answer'><span>An agreement of purchase and sale.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473332[]' id='answer-id-1829347' class='answer   answerof-473332 ' value='1829347'   \/><label for='answer-id-1829347' id='answer-label-1829347' class=' answer'><span>Purchase of insurance.<\/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-473333'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>14. <\/span>Under the O.A.P. 1 Owner's Policy, what is the purpose of the &quot;Direct Compensation - Property Damage&quot; (DCPD) section?<\/div><input type='hidden' name='question_id[]' id='qID_14' value='473333' \/><input type='hidden' id='answerType473333' 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-473333[]' id='answer-id-1829348' class='answer   answerof-473333 ' value='1829348'   \/><label for='answer-id-1829348' id='answer-label-1829348' class=' answer'><span>To allow an insured to collect for damage to their own vehicle directly from the at-fault party\u2019s \r\ninsurer.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473333[]' id='answer-id-1829349' class='answer   answerof-473333 ' value='1829349'   \/><label for='answer-id-1829349' id='answer-label-1829349' class=' answer'><span>To allow an insured to collect for damage to their own vehicle from their own insurer, even when they are not at fault.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473333[]' id='answer-id-1829350' class='answer   answerof-473333 ' value='1829350'   \/><label for='answer-id-1829350' id='answer-label-1829350' class=' answer'><span>To provide coverage for injuries to the driver regardless of who is at fault for the accident.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473333[]' id='answer-id-1829351' class='answer   answerof-473333 ' value='1829351'   \/><label for='answer-id-1829351' id='answer-label-1829351' class=' answer'><span>To provide a fund for people who are injured by motorists who have no insurance.<\/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-473334'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>15. <\/span>Under the homeowners package policy, which form(s) cover smoke damage to the building from a fireplace?<\/div><input type='hidden' name='question_id[]' id='qID_15' value='473334' \/><input type='hidden' id='answerType473334' 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-473334[]' id='answer-id-1829352' class='answer   answerof-473334 ' value='1829352'   \/><label for='answer-id-1829352' id='answer-label-1829352' class=' answer'><span>Broad and Comprehensive Forms.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473334[]' id='answer-id-1829353' class='answer   answerof-473334 ' value='1829353'   \/><label for='answer-id-1829353' id='answer-label-1829353' class=' answer'><span>It is excluded under all policy forms.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473334[]' id='answer-id-1829354' class='answer   answerof-473334 ' value='1829354'   \/><label for='answer-id-1829354' id='answer-label-1829354' class=' answer'><span>Broad and Named Perils Form.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473334[]' id='answer-id-1829355' class='answer   answerof-473334 ' value='1829355'   \/><label for='answer-id-1829355' id='answer-label-1829355' class=' answer'><span>Named Perils Form only.<\/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-473335'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>16. <\/span>Misrepresentation discovered by an insurer may result in the policy being voided. <br \/>\r<br>What circumstance must the insurer show occurred to legally void the policy?<\/div><input type='hidden' name='question_id[]' id='qID_16' value='473335' \/><input type='hidden' id='answerType473335' 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-473335[]' id='answer-id-1829356' class='answer   answerof-473335 ' value='1829356'   \/><label for='answer-id-1829356' id='answer-label-1829356' class=' answer'><span>The misrepresentation was malicious.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473335[]' id='answer-id-1829357' class='answer   answerof-473335 ' value='1829357'   \/><label for='answer-id-1829357' id='answer-label-1829357' class=' answer'><span>The misrepresented fact was material to the risk.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473335[]' id='answer-id-1829358' class='answer   answerof-473335 ' value='1829358'   \/><label for='answer-id-1829358' id='answer-label-1829358' class=' answer'><span>The misrepresentation was the result of extreme carelessness by the insured's broker.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473335[]' id='answer-id-1829359' class='answer   answerof-473335 ' value='1829359'   \/><label for='answer-id-1829359' id='answer-label-1829359' class=' answer'><span>The misrepresented fact was the product of collusion between the insured and the broker.<\/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-473336'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>17. <\/span>A building worth $100,000 is insured for $60,000 under a policy with an 80% co-insurance clause. Fire damages the building to the extent of $20,000. <br \/>\r<br>How much does the insurer pay?<\/div><input type='hidden' name='question_id[]' id='qID_17' value='473336' \/><input type='hidden' id='answerType473336' 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-473336[]' id='answer-id-1829360' class='answer   answerof-473336 ' value='1829360'   \/><label for='answer-id-1829360' id='answer-label-1829360' class=' answer'><span>$15,000<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473336[]' id='answer-id-1829361' class='answer   answerof-473336 ' value='1829361'   \/><label for='answer-id-1829361' id='answer-label-1829361' class=' answer'><span>$18,000<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473336[]' id='answer-id-1829362' class='answer   answerof-473336 ' value='1829362'   \/><label for='answer-id-1829362' id='answer-label-1829362' class=' answer'><span>$16,000<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473336[]' id='answer-id-1829363' class='answer   answerof-473336 ' value='1829363'   \/><label for='answer-id-1829363' id='answer-label-1829363' class=' answer'><span>$20,000<\/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-473337'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>18. <\/span>An insured is involved in an accident where a third party is 100% at fault. The insurer pays the insured $5,000 for their car repairs. The insurer then sues the third party to recover that $5,000. <br \/>\r<br>What is this legal process called?<\/div><input type='hidden' name='question_id[]' id='qID_18' value='473337' \/><input type='hidden' id='answerType473337' 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-473337[]' id='answer-id-1829364' class='answer   answerof-473337 ' value='1829364'   \/><label for='answer-id-1829364' id='answer-label-1829364' class=' answer'><span>Indemnity.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473337[]' id='answer-id-1829365' class='answer   answerof-473337 ' value='1829365'   \/><label for='answer-id-1829365' id='answer-label-1829365' class=' answer'><span>Contribution.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473337[]' id='answer-id-1829366' class='answer   answerof-473337 ' value='1829366'   \/><label for='answer-id-1829366' id='answer-label-1829366' class=' answer'><span>Subrogation.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473337[]' id='answer-id-1829367' class='answer   answerof-473337 ' value='1829367'   \/><label for='answer-id-1829367' id='answer-label-1829367' class=' answer'><span>Arbitration.<\/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-473338'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>19. <\/span>Jalena has a homeowners policy, and calls her Broker to let them know that she is starting to teach piano lessons on a part-time basis out of her home. <br \/>\r<br>What should the Broker do?<\/div><input type='hidden' name='question_id[]' id='qID_19' value='473338' \/><input type='hidden' id='answerType473338' 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-473338[]' id='answer-id-1829368' class='answer   answerof-473338 ' value='1829368'   \/><label for='answer-id-1829368' id='answer-label-1829368' class=' answer'><span>Advise Jalena that no change is required on her policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473338[]' id='answer-id-1829369' class='answer   answerof-473338 ' value='1829369'   \/><label for='answer-id-1829369' id='answer-label-1829369' class=' answer'><span>Check if this is an eligible type of home-based business with her insurer and update the policy accordingly.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473338[]' id='answer-id-1829370' class='answer   answerof-473338 ' value='1829370'   \/><label for='answer-id-1829370' id='answer-label-1829370' class=' answer'><span>Inform Jalena that she needs a commercial policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473338[]' id='answer-id-1829371' class='answer   answerof-473338 ' value='1829371'   \/><label for='answer-id-1829371' id='answer-label-1829371' class=' answer'><span>Document the change in the Broker Management System for review on renewal.<\/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-473339'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>20. <\/span>John, a newly licensed broker, learns about cybersecurity insurance from a friend but feels unsure about some aspects. <br \/>\r<br>With clients seeking advice, what steps should he take to improve his knowledge and assist them better?<\/div><input type='hidden' name='question_id[]' id='qID_20' value='473339' \/><input type='hidden' id='answerType473339' 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-473339[]' id='answer-id-1829372' class='answer   answerof-473339 ' value='1829372'   \/><label for='answer-id-1829372' id='answer-label-1829372' class=' answer'><span>Enroll in a specialized online course focused on cybersecurity insurance.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473339[]' id='answer-id-1829373' class='answer   answerof-473339 ' value='1829373'   \/><label for='answer-id-1829373' id='answer-label-1829373' class=' answer'><span>Wait until he encounters a specific client query before seeking more knowledge.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473339[]' id='answer-id-1829374' class='answer   answerof-473339 ' value='1829374'   \/><label for='answer-id-1829374' id='answer-label-1829374' class=' answer'><span>Assume that his current level of understanding will suffice for client interactions.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473339[]' id='answer-id-1829375' class='answer   answerof-473339 ' value='1829375'   \/><label for='answer-id-1829375' id='answer-label-1829375' class=' answer'><span>Forward any client inquiries about cybersecurity insurance to a more experienced broker.<\/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-473340'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>21. <\/span>A client is reviewing their automobile insurance renewal, which occurs on September 1, 2026. They are retired and have no dependent children. Following the 2026 SABS reforms, the broker notes that Caregiver and Housekeeping benefits are now optional. <br \/>\r<br>What is the most appropriate advice?<\/div><input type='hidden' name='question_id[]' id='qID_21' value='473340' \/><input type='hidden' id='answerType473340' 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-473340[]' id='answer-id-1829376' class='answer   answerof-473340 ' value='1829376'   \/><label for='answer-id-1829376' id='answer-label-1829376' class=' answer'><span>Advise the client to remove these benefits immediately to save on premium costs since they are retired.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473340[]' id='answer-id-1829377' class='answer   answerof-473340 ' value='1829377'   \/><label for='answer-id-1829377' id='answer-label-1829377' class=' answer'><span>Explain that these benefits now only apply to catastrophic injuries, so they are less valuable than before.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473340[]' id='answer-id-1829378' class='answer   answerof-473340 ' value='1829378'   \/><label for='answer-id-1829378' id='answer-label-1829378' class=' answer'><span>Perform a needs assessment to see if the client has other support systems, and explain that these benefits now cover &quot;impairment&quot; rather than just &quot;catastrophic impairment.&quot;<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473340[]' id='answer-id-1829379' class='answer   answerof-473340 ' value='1829379'   \/><label for='answer-id-1829379' id='answer-label-1829379' class=' answer'><span>Tell the client that because they are retired, the insurer will automatically remove these benefits on the renewal date.<\/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-473341'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>22. <\/span>Which statement regarding the Uninsured Automobile Coverage in your insured's O.A.P. 1 Owner's Policy policy is CORRECT?<\/div><input type='hidden' name='question_id[]' id='qID_22' value='473341' \/><input type='hidden' id='answerType473341' 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-473341[]' id='answer-id-1829380' class='answer   answerof-473341 ' value='1829380'   \/><label for='answer-id-1829380' id='answer-label-1829380' class=' answer'><span>It provides coverage for liability to others in case your insured forgets to renew their policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473341[]' id='answer-id-1829381' class='answer   answerof-473341 ' value='1829381'   \/><label for='answer-id-1829381' id='answer-label-1829381' class=' answer'><span>It only covers bodily injury but never accidental damage to the insured's own automobile.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473341[]' id='answer-id-1829382' class='answer   answerof-473341 ' value='1829382'   \/><label for='answer-id-1829382' id='answer-label-1829382' class=' answer'><span>It includes a certain amount of coverage for accidental damage to the insured's automobile caused by a hit and run automobile, where neither the owner nor driver of the other automobile is identified.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473341[]' id='answer-id-1829383' class='answer   answerof-473341 ' value='1829383'   \/><label for='answer-id-1829383' id='answer-label-1829383' class=' answer'><span>It includes a certain amount of coverage for accidental damage to the insured's automobile provided the owner or driver of the uninsured automobile is identified.<\/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-473342'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>23. <\/span>A homeowner decides to rent out their property as an Airbnb but does not inform their insurer. <br \/>\r<br>What could be the consequences of this material change?<\/div><input type='hidden' name='question_id[]' id='qID_23' value='473342' \/><input type='hidden' id='answerType473342' 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-473342[]' id='answer-id-1829384' class='answer   answerof-473342 ' value='1829384'   \/><label for='answer-id-1829384' id='answer-label-1829384' class=' answer'><span>The policy will remain unchanged, as short-term rentals are automatically covered.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473342[]' id='answer-id-1829385' class='answer   answerof-473342 ' value='1829385'   \/><label for='answer-id-1829385' id='answer-label-1829385' class=' answer'><span>The insurer may deny claims related to rental activities due to undisclosed risk.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473342[]' id='answer-id-1829386' class='answer   answerof-473342 ' value='1829386'   \/><label for='answer-id-1829386' id='answer-label-1829386' class=' answer'><span>The insurer will provide coverage but with a higher deductible for rental-related claims.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473342[]' id='answer-id-1829387' class='answer   answerof-473342 ' value='1829387'   \/><label for='answer-id-1829387' id='answer-label-1829387' class=' answer'><span>The premium will automatically increase to reflect the new use.<\/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-473343'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>24. <\/span>Rashid has purchased a new home that has a woodstove but no current Wood Energy Technology Transfer (WETT) inspection. Coverage is needed for the home closure in 14 days. Company ABC has agreed to provide insurance as long as the WETT inspection is provided within 30 days of possession. <br \/>\r<br>What should the Broker do?<\/div><input type='hidden' name='question_id[]' id='qID_24' value='473343' \/><input type='hidden' id='answerType473343' 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-473343[]' id='answer-id-1829388' class='answer   answerof-473343 ' value='1829388'   \/><label for='answer-id-1829388' id='answer-label-1829388' class=' answer'><span>Advise Rashid that the WETT inspection is required but no further action is needed.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473343[]' id='answer-id-1829389' class='answer   answerof-473343 ' value='1829389'   \/><label for='answer-id-1829389' id='answer-label-1829389' class=' answer'><span>Advise Rashid to remove the woodstove upon possession, so that they can avoid the hassle of obtaining the WETT inspection.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473343[]' id='answer-id-1829390' class='answer   answerof-473343 ' value='1829390'   \/><label for='answer-id-1829390' id='answer-label-1829390' class=' answer'><span>Advise Rashid of the inspection requirement and that the insurer may require removal of the unit if it does not pass the WETT inspection.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473343[]' id='answer-id-1829391' class='answer   answerof-473343 ' value='1829391'   \/><label for='answer-id-1829391' id='answer-label-1829391' class=' answer'><span>Leave the existence of the woodstove off the application and policy until such time as a WETT inspection is completed.<\/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-473344'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>25. <\/span>Your insured's young son has just purchased an automobile and wants you to insure it in his father's name and show himself as an occasional driver. <br \/>\r<br>Which of the following steps should you take?<\/div><input type='hidden' name='question_id[]' id='qID_25' value='473344' \/><input type='hidden' id='answerType473344' 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-473344[]' id='answer-id-1829392' class='answer   answerof-473344 ' value='1829392'   \/><label for='answer-id-1829392' id='answer-label-1829392' class=' answer'><span>Issue the policy as requested.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473344[]' id='answer-id-1829393' class='answer   answerof-473344 ' value='1829393'   \/><label for='answer-id-1829393' id='answer-label-1829393' class=' answer'><span>Decline to issue the policy as the son is obviously the principal driver and registered owner.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473344[]' id='answer-id-1829394' class='answer   answerof-473344 ' value='1829394'   \/><label for='answer-id-1829394' id='answer-label-1829394' class=' answer'><span>Place the policy with another insurer and rate the father as the principal driver.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473344[]' id='answer-id-1829395' class='answer   answerof-473344 ' value='1829395'   \/><label for='answer-id-1829395' id='answer-label-1829395' class=' answer'><span>Advise the son to register the vehicle in his mother's name and rate it on her driving record.<\/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-473345'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>26. <\/span>Certain Accident Benefits limits under O.A.P. 1 Owner's Policy can be increased or extended at the option of the insured. <br \/>\r<br>What benefit CANNOT be changed?<\/div><input type='hidden' name='question_id[]' id='qID_26' value='473345' \/><input type='hidden' id='answerType473345' 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-473345[]' id='answer-id-1829396' class='answer   answerof-473345 ' value='1829396'   \/><label for='answer-id-1829396' id='answer-label-1829396' class=' answer'><span>Death and Funeral Benefits.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473345[]' id='answer-id-1829397' class='answer   answerof-473345 ' value='1829397'   \/><label for='answer-id-1829397' id='answer-label-1829397' class=' answer'><span>Income Replacement Benefit.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473345[]' id='answer-id-1829398' class='answer   answerof-473345 ' value='1829398'   \/><label for='answer-id-1829398' id='answer-label-1829398' class=' answer'><span>Caregiver Benefit for Catastrophic Injuries.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473345[]' id='answer-id-1829399' class='answer   answerof-473345 ' value='1829399'   \/><label for='answer-id-1829399' id='answer-label-1829399' class=' answer'><span>Disability Benefit after Age 65.<\/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-473346'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>27. <\/span>A Broker is given two days notice from an insurance company that they are getting off risk for a small commercial property account. <br \/>\r<br>Which regulation or act outlines regulations governing how insurance companies must handle notice's of expiry or variation?<\/div><input type='hidden' name='question_id[]' id='qID_27' value='473346' \/><input type='hidden' id='answerType473346' 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-473346[]' id='answer-id-1829400' class='answer   answerof-473346 ' value='1829400'   \/><label for='answer-id-1829400' id='answer-label-1829400' class=' answer'><span>Registered Insurance Brokers (RIB) Act.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473346[]' id='answer-id-1829401' class='answer   answerof-473346 ' value='1829401'   \/><label for='answer-id-1829401' id='answer-label-1829401' class=' answer'><span>Insurance Act.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473346[]' id='answer-id-1829402' class='answer   answerof-473346 ' value='1829402'   \/><label for='answer-id-1829402' id='answer-label-1829402' class=' answer'><span>RIBO's By-laws.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473346[]' id='answer-id-1829403' class='answer   answerof-473346 ' value='1829403'   \/><label for='answer-id-1829403' id='answer-label-1829403' class=' answer'><span>Compulsory Insurance Act.<\/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-473347'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>28. <\/span>A new regulation has been introduced requiring brokers to prioritize data encryption in all communications with clients to enhance cybersecurity. <br \/>\r<br>According to the new regulation, what is the FIRST action a broker should take to comply with data encryption requirements?<\/div><input type='hidden' name='question_id[]' id='qID_28' value='473347' \/><input type='hidden' id='answerType473347' 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-473347[]' id='answer-id-1829404' class='answer   answerof-473347 ' value='1829404'   \/><label for='answer-id-1829404' id='answer-label-1829404' class=' answer'><span>Respond immediately to the client's urgent query.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473347[]' id='answer-id-1829405' class='answer   answerof-473347 ' value='1829405'   \/><label for='answer-id-1829405' id='answer-label-1829405' class=' answer'><span>Address the cybersecurity alert first.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473347[]' id='answer-id-1829406' class='answer   answerof-473347 ' value='1829406'   \/><label for='answer-id-1829406' id='answer-label-1829406' class=' answer'><span>Initiate the internal system update.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473347[]' id='answer-id-1829407' class='answer   answerof-473347 ' value='1829407'   \/><label for='answer-id-1829407' id='answer-label-1829407' class=' answer'><span>Discuss with a colleague which action to take first and wait for their formal approval.<\/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-473348'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>29. <\/span>Leo, a Broker, is working on four different requests for new Automobile Insurance quotes that are due by the end of the day. While working on the requests, Leo receives an email from an existing client about a Sewer Back-Up claim in progress. <br \/>\r<br>What should Leo do next?<\/div><input type='hidden' name='question_id[]' id='qID_29' value='473348' \/><input type='hidden' id='answerType473348' 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-473348[]' id='answer-id-1829408' class='answer   answerof-473348 ' value='1829408'   \/><label for='answer-id-1829408' id='answer-label-1829408' class=' answer'><span>Assume the client has already reported the claim to their Insurance Company and take no action.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473348[]' id='answer-id-1829409' class='answer   answerof-473348 ' value='1829409'   \/><label for='answer-id-1829409' id='answer-label-1829409' class=' answer'><span>In compliance with The All-Comers (TAC) Rule, continue working on the Automobile quotes and contact the client later in the day.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473348[]' id='answer-id-1829410' class='answer   answerof-473348 ' value='1829410'   \/><label for='answer-id-1829410' id='answer-label-1829410' class=' answer'><span>Contact the client to assess the severity of the damage, provide reassurance and start the claims process.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473348[]' id='answer-id-1829411' class='answer   answerof-473348 ' value='1829411'   \/><label for='answer-id-1829411' id='answer-label-1829411' class=' answer'><span>Inform the clients that they will contact them once they have completed the Automobile quotes.<\/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-473349'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>30. <\/span>What responsibilities does the Financial Services Regulatory Authority of Ontario (FSRA) have for automobile insurance in Ontario?<\/div><input type='hidden' name='question_id[]' id='qID_30' value='473349' \/><input type='hidden' id='answerType473349' 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-473349[]' id='answer-id-1829412' class='answer   answerof-473349 ' value='1829412'   \/><label for='answer-id-1829412' id='answer-label-1829412' class=' answer'><span>Licensing Brokers to sell auto insurance in Ontario.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473349[]' id='answer-id-1829413' class='answer   answerof-473349 ' value='1829413'   \/><label for='answer-id-1829413' id='answer-label-1829413' class=' answer'><span>Determining the Fault Determination Rules in an auto accident.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473349[]' id='answer-id-1829414' class='answer   answerof-473349 ' value='1829414'   \/><label for='answer-id-1829414' id='answer-label-1829414' class=' answer'><span>Working on behalf of customers to govern rules and rates Insurance Companies can offer.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473349[]' id='answer-id-1829415' class='answer   answerof-473349 ' value='1829415'   \/><label for='answer-id-1829415' id='answer-label-1829415' class=' answer'><span>Providing Motor Vehicle Reports and Claims History Reports for new policies.<\/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-473350'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>31. <\/span>In addition to the completed and signed application for automobile insurance, which two documents are included as part of an automobile policy?<\/div><input type='hidden' name='question_id[]' id='qID_31' value='473350' \/><input type='hidden' id='answerType473350' 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-473350[]' id='answer-id-1829416' class='answer   answerof-473350 ' value='1829416'   \/><label for='answer-id-1829416' id='answer-label-1829416' class=' answer'><span>Certificate of automobile insurance and the Ontario Automobile Policy (OAP) 1.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473350[]' id='answer-id-1829417' class='answer   answerof-473350 ' value='1829417'   \/><label for='answer-id-1829417' id='answer-label-1829417' class=' answer'><span>Proof of insurance card and the Ontario Automobile Policy (OAP) 1.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473350[]' id='answer-id-1829418' class='answer   answerof-473350 ' value='1829418'   \/><label for='answer-id-1829418' id='answer-label-1829418' class=' answer'><span>Completed and signed endorsements that are attached to the application and proof of insurance card.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473350[]' id='answer-id-1829419' class='answer   answerof-473350 ' value='1829419'   \/><label for='answer-id-1829419' id='answer-label-1829419' class=' answer'><span>Completed and signed accident benefits checklist and proof of insurance card.<\/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-473351'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>32. <\/span>A Broker enters the requested coverages and deductibles into their quoting software to obtain a quote for a client's automobile insurance request. When the quotes are generated, the Broker notices that some insurance companies have quoted with different deductibles or coverage limits. <br \/>\r<br>What should the broker do?<\/div><input type='hidden' name='question_id[]' id='qID_32' value='473351' \/><input type='hidden' id='answerType473351' 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-473351[]' id='answer-id-1829420' class='answer   answerof-473351 ' value='1829420'   \/><label for='answer-id-1829420' id='answer-label-1829420' class=' answer'><span>Review all quotes noting the coverage and deductable differences and present the options to the clients along with the quoted premiums.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473351[]' id='answer-id-1829421' class='answer   answerof-473351 ' value='1829421'   \/><label for='answer-id-1829421' id='answer-label-1829421' class=' answer'><span>Review all quotes and offer the client a quote with the carrier that is most comparable to the coverage and deductibles requested, regardless of the price.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473351[]' id='answer-id-1829422' class='answer   answerof-473351 ' value='1829422'   \/><label for='answer-id-1829422' id='answer-label-1829422' class=' answer'><span>Review all quotes and offer the lowest price, regardless of the coverage limits and deductible options.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473351[]' id='answer-id-1829423' class='answer   answerof-473351 ' value='1829423'   \/><label for='answer-id-1829423' id='answer-label-1829423' class=' answer'><span>Review all quotes and offer only the top three quotes that offer similar coverage and deductibles.<\/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-473352'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>33. <\/span>Amir, a client, phones the Broker to advise that his insured vehicle is being repaired in a garage. <br \/>\r<br>Amir has just signed an agreement for a rental car. Under O.A.P. 1, where would the coverage for his rental vehicle be found?<\/div><input type='hidden' name='question_id[]' id='qID_33' value='473352' \/><input type='hidden' id='answerType473352' 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-473352[]' id='answer-id-1829424' class='answer   answerof-473352 ' value='1829424'   \/><label for='answer-id-1829424' id='answer-label-1829424' class=' answer'><span>Newly Acquired Automobile.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473352[]' id='answer-id-1829425' class='answer   answerof-473352 ' value='1829425'   \/><label for='answer-id-1829425' id='answer-label-1829425' class=' answer'><span>Temporary Substitute Automobile.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473352[]' id='answer-id-1829426' class='answer   answerof-473352 ' value='1829426'   \/><label for='answer-id-1829426' id='answer-label-1829426' class=' answer'><span>Ontario Policy Change Form (OPCF) 27 Legal Liability for Non Owned Automobiles.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473352[]' id='answer-id-1829427' class='answer   answerof-473352 ' value='1829427'   \/><label for='answer-id-1829427' id='answer-label-1829427' class=' answer'><span>Ontario Policy Change Form (OPCF) 20 Coverage for Transportation Replacement.<\/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-473353'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>34. <\/span>Which of the following would be considered a &quot;material change in risk&quot;?<\/div><input type='hidden' name='question_id[]' id='qID_34' value='473353' \/><input type='hidden' id='answerType473353' 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-473353[]' id='answer-id-1829428' class='answer   answerof-473353 ' value='1829428'   \/><label for='answer-id-1829428' id='answer-label-1829428' class=' answer'><span>A client re-paints the interior of their home.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473353[]' id='answer-id-1829429' class='answer   answerof-473353 ' value='1829429'   \/><label for='answer-id-1829429' id='answer-label-1829429' class=' answer'><span>A client installs a woodstove at their cottage.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473353[]' id='answer-id-1829430' class='answer   answerof-473353 ' value='1829430'   \/><label for='answer-id-1829430' id='answer-label-1829430' class=' answer'><span>A client replaces worn carpeting in their home.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473353[]' id='answer-id-1829431' class='answer   answerof-473353 ' value='1829431'   \/><label for='answer-id-1829431' id='answer-label-1829431' class=' answer'><span>A client installs a ceiling fan in their bedroom.<\/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-473354'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>35. <\/span>Many automobile insurers have introduced User-Based Insurance (UBI) programs (e.g., Telematics) to help determine rating and insurance premiums. <br \/>\r<br>Which MOST accurately describes elements that a UBI program tracks?<\/div><input type='hidden' name='question_id[]' id='qID_35' value='473354' \/><input type='hidden' id='answerType473354' 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-473354[]' id='answer-id-1829432' class='answer   answerof-473354 ' value='1829432'   \/><label for='answer-id-1829432' id='answer-label-1829432' class=' answer'><span>Time of day driven and rapid acceleration.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473354[]' id='answer-id-1829433' class='answer   answerof-473354 ' value='1829433'   \/><label for='answer-id-1829433' id='answer-label-1829433' class=' answer'><span>Number of drivers in the vehicle and hard braking.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473354[]' id='answer-id-1829434' class='answer   answerof-473354 ' value='1829434'   \/><label for='answer-id-1829434' id='answer-label-1829434' class=' answer'><span>Where the vehicle is driven and gross vehicle weight.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473354[]' id='answer-id-1829435' class='answer   answerof-473354 ' value='1829435'   \/><label for='answer-id-1829435' id='answer-label-1829435' class=' answer'><span>Number of kilometers driven and occupation.<\/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-473355'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>36. <\/span>Ability Insurance Inc. is non-renewing Arshad's policy. Arshad's son has a major conviction that does not fall within Ability Insurance acceptability criteria. Broker Luisa recommends Arshad to exclude his son from the policy so Ability Insurance can offer a renewal. <br \/>\r<br>Which endorsement is required to exclude Arshad's son from the policy?<\/div><input type='hidden' name='question_id[]' id='qID_36' value='473355' \/><input type='hidden' id='answerType473355' 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-473355[]' id='answer-id-1829436' class='answer   answerof-473355 ' value='1829436'   \/><label for='answer-id-1829436' id='answer-label-1829436' class=' answer'><span>OPCF 28<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473355[]' id='answer-id-1829437' class='answer   answerof-473355 ' value='1829437'   \/><label for='answer-id-1829437' id='answer-label-1829437' class=' answer'><span>OPCF 28.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473355[]' id='answer-id-1829438' class='answer   answerof-473355 ' value='1829438'   \/><label for='answer-id-1829438' id='answer-label-1829438' class=' answer'><span>OPCF 48.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473355[]' id='answer-id-1829439' class='answer   answerof-473355 ' value='1829439'   \/><label for='answer-id-1829439' id='answer-label-1829439' class=' answer'><span>OPCF 8.<\/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-473356'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>37. <\/span>What is NOT asked on an automobile application?<\/div><input type='hidden' name='question_id[]' id='qID_37' value='473356' \/><input type='hidden' id='answerType473356' 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-473356[]' id='answer-id-1829440' class='answer   answerof-473356 ' value='1829440'   \/><label for='answer-id-1829440' id='answer-label-1829440' class=' answer'><span>Named Insured.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473356[]' id='answer-id-1829441' class='answer   answerof-473356 ' value='1829441'   \/><label for='answer-id-1829441' id='answer-label-1829441' class=' answer'><span>Effective Date.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473356[]' id='answer-id-1829442' class='answer   answerof-473356 ' value='1829442'   \/><label for='answer-id-1829442' id='answer-label-1829442' class=' answer'><span>License Plate.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473356[]' id='answer-id-1829443' class='answer   answerof-473356 ' value='1829443'   \/><label for='answer-id-1829443' id='answer-label-1829443' class=' answer'><span>Loss Payee.<\/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-473357'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>38. <\/span>To establish cause of legal action against someone, what is NOT required to satisfy the court?<\/div><input type='hidden' name='question_id[]' id='qID_38' value='473357' \/><input type='hidden' id='answerType473357' 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-473357[]' id='answer-id-1829444' class='answer   answerof-473357 ' value='1829444'   \/><label for='answer-id-1829444' id='answer-label-1829444' class=' answer'><span>Duty of care.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473357[]' id='answer-id-1829445' class='answer   answerof-473357 ' value='1829445'   \/><label for='answer-id-1829445' id='answer-label-1829445' class=' answer'><span>Consideration.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473357[]' id='answer-id-1829446' class='answer   answerof-473357 ' value='1829446'   \/><label for='answer-id-1829446' id='answer-label-1829446' class=' answer'><span>The duty was breached.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473357[]' id='answer-id-1829447' class='answer   answerof-473357 ' value='1829447'   \/><label for='answer-id-1829447' id='answer-label-1829447' class=' answer'><span>Relationship between the breach and damage.<\/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-473358'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>39. <\/span>Directly or indirectly, making an agreement as to the premium to be paid other than as set forth in the policy is considered &quot;misconduct&quot; under the RIB Act. <br \/>\r<br>Which action is NOT considered a &quot;misconduct&quot;?<\/div><input type='hidden' name='question_id[]' id='qID_39' value='473358' \/><input type='hidden' id='answerType473358' 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-473358[]' id='answer-id-1829448' class='answer   answerof-473358 ' value='1829448'   \/><label for='answer-id-1829448' id='answer-label-1829448' class=' answer'><span>Allowing a refund to the client not authorized by the policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473358[]' id='answer-id-1829449' class='answer   answerof-473358 ' value='1829449'   \/><label for='answer-id-1829449' id='answer-label-1829449' class=' answer'><span>Giving a rebate to a policyholder of the whole or part of the premium.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473358[]' id='answer-id-1829450' class='answer   answerof-473358 ' value='1829450'   \/><label for='answer-id-1829450' id='answer-label-1829450' class=' answer'><span>Paying the cost of a family's vacation in Florida in return for them agreeing to purchase their insurance from you.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473358[]' id='answer-id-1829451' class='answer   answerof-473358 ' value='1829451'   \/><label for='answer-id-1829451' id='answer-label-1829451' class=' answer'><span>Allowing a dividend or bonus as provided for in the policy.<\/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-473359'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>40. <\/span>Raj is reviewing optional Income Replacement Benefits with a customer who already has a workplace disability plan. <br \/>\r<br>What should Raj do before advising the customer to opt out?<\/div><input type='hidden' name='question_id[]' id='qID_40' value='473359' \/><input type='hidden' id='answerType473359' 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-473359[]' id='answer-id-1829452' class='answer   answerof-473359 ' value='1829452'   \/><label for='answer-id-1829452' id='answer-label-1829452' class=' answer'><span>Review the customer's workplace plan and ensure it covers automobile accidents.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473359[]' id='answer-id-1829453' class='answer   answerof-473359 ' value='1829453'   \/><label for='answer-id-1829453' id='answer-label-1829453' class=' answer'><span>Recommend opting out immediately to avoid duplicate coverage.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473359[]' id='answer-id-1829454' class='answer   answerof-473359 ' value='1829454'   \/><label for='answer-id-1829454' id='answer-label-1829454' class=' answer'><span>Refer the customer to a life and health advisor if the customer has questions.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-473359[]' id='answer-id-1829455' class='answer   answerof-473359 ' value='1829455'   \/><label for='answer-id-1829455' id='answer-label-1829455' class=' answer'><span>Advise the customer that auto accidents are always covered by their workplace plan.<\/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=\"watuPROButtons12101\" >\n\t\t  <div id=\"prev-question\" style=\"display:none;\"><input type=\"button\" value=\"&lt; Previous\" onclick=\"WatuPRO.nextQuestion(event, 'previous');\"\/><\/div>\t\t  \t\t  \t\t   \n\t\t   \t  \t\t<div><input type=\"button\" name=\"action\" class=\"watupro-submit-button\" onclick=\"WatuPRO.submitResult(event)\" id=\"action-button\" value=\"View Results\"  \/>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t<input type=\"hidden\" name=\"quiz_id\" value=\"12101\" id=\"watuPROExamID\"\/>\n\t<input type=\"hidden\" name=\"start_time\" id=\"startTime\" value=\"2026-05-01 12:13:10\" \/>\n\t<input type=\"hidden\" name=\"start_timestamp\" id=\"startTimeStamp\" value=\"1777637590\" \/>\n\t<input type=\"hidden\" name=\"question_ids\" value=\"\" \/>\n\t<input type=\"hidden\" name=\"watupro_questions\" value=\"473320:1829296,1829297,1829298,1829299 | 473321:1829300,1829301,1829302,1829303 | 473322:1829304,1829305,1829306,1829307 | 473323:1829308,1829309,1829310,1829311 | 473324:1829312,1829313,1829314,1829315 | 473325:1829316,1829317,1829318,1829319 | 473326:1829320,1829321,1829322,1829323 | 473327:1829324,1829325,1829326,1829327 | 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