LIFE AND HEALTH WORKBOOK: TEST TwO
生命与健康工作簿：测试二

If Julie performs acts that are required but are not specifically named in the written contract she has with Gold Sovereign she is exercising her $$$$qquad\qquad authority.
如果朱莉执行了合同中未具体列明但必需的行为，她正在行使她的 $$$$qquad\qquad 权限。
a) Principal a) 校长
b) Implied 隐含的
c) Express c) 快递
d) All the above d) 以上所有
16. When is insurable interest required to exist with a life insurance policy?
16. 何时需要在寿险保单中存在保险利益？
a) At the time of death
a) 在死亡时
b) At the time the policy is written but not at the time of death
在保单签署时，但不是在死亡时
c) At the time the policy is written and at the time of death
c) 在保单签署时和去世时
d) At all times during the policy life
在保单有效期间的所有时间内
17. Charles Harris has earned a Chartered Life Underwriter designation. From the selections below choose the one that the California Insurance Code would find acceptable when publishing his name:
查尔斯·哈里斯获得了特许人寿保险承销人资格。在下面的选项中，选择加利福尼亚保险法典在发布他名字时认为可接受的一个：
a) Harris Insurance Services
哈里斯保险服务
b) Charles Harris, CLU and Company
查尔斯·哈里斯，CLU 及公司
c) Charles Harris, Insurance Company
查尔斯·哈里斯，保险公司
d) All the above are acceptable
d) 以上所有都是可以接受的
18. Which of the following is the first step in the Medicare claims process?
18. 以下哪项是医疗保险索赔流程的第一步？
a) The local Medicare carrier pays benefits to the patient
当地的医疗保险承运人向患者支付福利
b) The patient files a claim directly with the local Medicare carrier
病人直接向当地医疗保险承运人提交索赔
c) The local Medicare carrier pays benefits to the patient
c) 当地的医疗保险承运人向患者支付福利
d) The patient’s hospital/physician files a claim with the local Medicare carrier
患者的医院/医生向当地医疗保险承运人提交索赔
19. Specified Disease insurance provides which of the following?
19. 指定疾病保险提供以下哪项？
a) Coverage for one stipulated disease
一) 针对一种规定疾病的保障
b) Incidental coverage b) 附带保险
c) Experimental procedures
实验程序
d) All outpatient procedures
所有门诊程序
20. Which of the following is true regarding the government’s social insurance program known as Social Security?
20. 关于政府的社会保险计划，即社会保障，以下哪项是正确的？
a) The majority of workers in the U.S. must pay into the program
美国大多数工人必须缴纳该项目的费用。
b) The contributions paid in closely match the benefits received
b) 支付的贡献与获得的福利密切匹配
c) Participants sign a contractual agreement with the insurer
c) 参与者与保险公司签订合同协议
d) Both $A$$A$AA and $B$$B$BB above are true
d) 上述 $A$$A$AA 和 $B$$B$BB 都是正确的
21. Which of the following is false regarding the taxation of life insurance?
21. 关于人寿保险的税收，以下哪项是错误的？
a) Annuity death benefits are totally exempt from taxation
年金死亡福利完全免税
b) Businesses that buy group term life insurance for its employees can generally deduct the premiums because they are considered a business expense
b) 为员工购买团体定期人寿保险的企业通常可以扣除保费，因为这被视为商业开支
c) Individuals making premium payments on life insurance cannot deduct those premiums
c) 个人在寿险上支付的保费不能扣除
d) None of the above are false
d) 以上都不是假
22. If the owner of a life insurance policy elects to pay an annual premium, she will:
22. 如果人寿保险单的持有人选择支付年保费，她将：
a) Find her premiums the same as compared to all other payment methods
a) 找到她的保费与所有其他支付方式相同
b) Pay more as compared to paying premiums every six months
b) 相比每六个月支付保费，支付更多
c) Pay less as compared to paying premiums every six months
c) 相比每六个月支付保费，支付更少
d) Pay a reduced amount if she pays earlier in the year, rather than at the end of the period of coverage, as is customary
d) 如果她在年初提前付款，而不是在保险期结束时付款，可以支付较少的金额，这是一种惯例
23. From the descriptions below, identify which one is a Term Policy.
从下面的描述中，识别哪一个是定期保险。
a) The policy contains a provision that provides nonforfeiture options. The owner pays premiums for 25 years after which payments are no longer required yet coverage is still in force
该政策包含一项条款，提供不失效选项。投保人在 25 年内支付保费，之后不再需要支付，但保险仍然有效。
b) The policy states premiums are to be paid every year. At the end of 15 years the cash value represents about $25\mathrm{\%}$$25\mathrm{\%}$25%25 \% of the total face amount
b) 政策规定保费每年支付。在 15 年结束时，现金价值约占总面额的 $25\mathrm{\%}$$25\mathrm{\%}$25%25 \% 。
c) Each year the premium increases as the insured grows older. After several years the coverage and premiums end simultaneously, Cash value is not created
每年保费随着被保险人年龄的增长而增加。经过几年后，保障和保费同时结束，现金价值不会产生。
d) The premium increases after 5 years then remains the same until it is paid up at age 65
d) 保费在 5 年后增加，然后保持不变，直到在 65 岁时支付完毕
24. All of the following are true regarding a policy owner that ceases making premium payments on a 10 -pay life policy and selects the extended term insurance option, EXCEPT:
24. 关于停止支付 10 年缴费人寿保险保费并选择延长定期保险选项的保单持有人，以下所有说法都是真实的，除了：
a) The face amount will be the same on the new extended term plan as the old 10-pay life policy
a) 新的延长定期计划的保险金额将与旧的 10 年缴费终身保险相同
b) Premium payments no longer have to be made
b) 不再需要支付保费
c) The extended term policy will be in force a certain period and then expire
c) 延期保单将在一定期限内有效，然后到期
d) The extended term policy will reflect the same cash value as the original policy
d) 延期条款的保单将反映与原保单相同的现金价值
25. An individual license is considered terminated:
个人许可证被视为终止：
a) When transferred to another person
a) 转让给其他人时
b) When transferred to another licensee
b) 当转让给另一个被许可方时
c) On the death of the licensee
c) 在被许可人去世时
d) When transferred to a beneficiary
d) 当转移给受益人时
26. What type of life insurance policy gives the owner the right to share in the insurer’s profits in the form of a dividend?
26. 什么类型的人寿保险政策赋予持有人以红利形式分享保险公司利润的权利？
a) Whole life a) 终身
b) Endowment policy b) 捐赠政策
c) Any modified endowment contract
c) 任何修改后的年金合同
d) Participating policy 参与政策
27. All of the following are examples of the dividend options available on a whole life insurance policy, EXCEPT:
27. 以下所有选项都是终身寿险保单上可用的红利选项，除了：
a) One-year term option 一年期选项
b) Application to reduce premium
b) 申请减少保费
c) Paid-up additions c) 已缴增额
d) Life income with period certain
d) 具有确定期限的生活收入
28. Jenn has reached a time in her life where she wishes to begin receiving payments from her tax-deferred annuity. Her agent has suggested she take the money by means of the “life income with 10 years certain” option. When she does, the insurer will make payments:
28. 珍已经到了一个希望开始从她的税延年金中领取付款的阶段。她的代理人建议她选择“十年确定的终身收入”选项来领取这笔钱。当她这样做时，保险公司将会进行付款：
a) For 120 months assuming she lives that long
a) 假设她能活到 120 个月
b) For at least 120 months or the remainder of her life
b) 至少 120 个月或她余生的时间
c) Up to the date she dies, then payments will be made to her beneficiary
c) 直到她去世的那一天，款项将支付给她的受益人
d) For 120 months then payments will decrease and be paid to her for life
d) 在 120 个月后，付款将减少并终身支付给她
29. Which of the following is correct about a Third-Party Administrator?
29. 关于第三方管理员，以下哪项是正确的？
a) It is a person who works for a life agent and helps in the solicitation of health insurance
a) 这是一个为人寿保险代理人工作并协助招揽健康保险的人
b) It is the department of an insurer that handles the payment of claims
b) 这是保险公司处理索赔支付的部门
c) It is an independent company that provides administrative services for another company’s self-funded plans
c) 这是一家独立公司，为另一家公司的自筹资金计划提供行政服务
d) None of the above
d) 以上都不是
30. Select the statement that best describes a Multiple Employer Trust:
选择最能描述多个雇主信托的陈述：
a) A group of small businesses that band together in order to qualify for group insurance benefits
一群小企业联合在一起，以便符合团体保险福利的资格
b) An organization unifying employers to cooperatively cut medical costs through preventative medicine
一个将雇主团结起来，通过预防医学合作降低医疗成本的组织
c) A type of re-insurance company backing insurance issued to businesses
c) 一种支持发给企业的保险的再保险公司类型
d) None of the above
d) 以上都不是
31. A health insurance contract states that if, during the first 30 days after the policy’s effective date, an illness occurs, there will be no benefits paid out of the policy. What is this period of time called?
这段时间被称为等待期。
a) Probationary period a) 试用期
b) Illness waiver b) 疾病豁免
c) Waiver period c) 放弃期限
d) Benefit period d) 受益期限
32. Which of the following covers the costs associated with one stipulated illness?
32. 以下哪项涵盖与一种规定疾病相关的费用？
a) Specified Disease 指定疾病
b) Critical lliness b) 危重病情
c) Medical Expense c) 医疗费用
d) Disability Income 残疾收入
33. What does a standard coinsurance clause found in a health insurance policy require?
健康保险政策中标准的共保条款要求什么？
a) Distribute coverage over two or more companies
a) 在两个或多个公司之间分配保险覆盖范围
b) That one policy be the primary carrier, and the other be the secondary if there are two plans covering the same person
b) 如果有两个计划覆盖同一个人，则一个计划为主要承保人，另一个为次要承保人
c) The insured and insurer pay a percentage of medical expenses that are covered, in excess of the annual deductible
被保险人和保险公司支付超过年度免赔额的医疗费用的百分比
d) The insured pays a dollar amount for a service received
被保险人支付一定金额以获得所提供的服务
34. An organization will cease to exist as an entity eligible to hold a license for all of the following reasons, EXCEPT:
34. 组织将因以下所有原因停止作为有资格持有许可证的实体存在，除了：
a) Termination of an association
a) 终止协会
b) Termination of a key employee
b) 关键员工的终止雇佣
c) Dissolution of a corporation
公司解散
d) Dissolution of a co-partnership
d) 合伙解散
35. All of the following would be considered one of the three major types of loss exposures, EXCEPT:
35. 以下所有内容都将被视为三种主要损失暴露类型之一，除了：
a) Liability loss exposure
a) 责任损失风险
b) Financial loss exposure
b) 财务损失风险
c) Human and personnel loss exposure
c) 人员和人力损失风险
d) Property loss exposure
d) 财产损失风险
36. A Disability Income Policy that covers injuries suffered by an insured on or off the job is called?
36. 一种覆盖被保险人在工作或非工作期间受伤的残疾收入保险政策称为？
a) An occupational policy
职业政策
b) A non-occupational policy
b) 非职业政策
c) A wraparound policy c) 包裹政策
d) Twenty-four-hour policy
二十四小时政策
37. Which of the following statements concerning the usual coordination-of-benefits provision are correct?
37. 关于通常的利益协调条款，以下哪些陈述是正确的？
a) When the plans both have the provision, coverage as an employee is primary to coverage paid to dependents
当两个计划都有规定时，员工的保险优先于支付给受抚养人的保险
b) Coverage under COBRA is primary to other coverage paid to the employee
b) 根据 COBRA 的保障优先于支付给员工的其他保障
c) Medicare coverage is always primary to group coverage
c) 医疗保险覆盖始终优先于团体保险覆盖
d) Coverage under any plan with the provision is primary to coverage under any plan without the provision
d) 任何有该条款的计划的保障优先于任何没有该条款的计划的保障
38. An agent advertising on the Internet must include all of the following in the advertisement, EXCEPT:
38. 在互联网上做广告的代理商必须在广告中包含以下所有内容，除了：
a) The agent’s license number
代理人的许可证号码
b) The agent’s business address in the state
b) 代理人在该州的商业地址
c) The agent’s business telephone number
代理人的商务电话号码
d) The agent’s true and/or fictitious name
代理人的真实和/或虚构姓名
39. Which settlement option allows only the death benefit earnings to be paid to the beneficiary?
39. 哪种结算选项仅允许将死亡福利收益支付给受益人？
a) Interest option a) 利息选项
b) Cash option 现金选项
c) Fixed period option c) 固定期限选项
d) Fixed amount option d) 固定金额选项
40. Which of the following is Not provided by Hospice Care?
40. 以下哪项不是临终关怀提供的服务？
a) Pain relief 疼痛缓解
b) Symptom management b) 症状管理
c) Counseling c) 咨询
d) Rehabilitation d) 康复
41. A person has paid $\mathrm{\$}50,000$$\mathrm{\$}50,000$$50,000\$ 50,000 into a fixed annuity over 20 years. When he decides to begin income payments the insurer calculates that he will receive $\mathrm{\$}4,000$$\mathrm{\$}4,000$$4,000\$ 4,000 per year for life, which means that he will receive a total of $\mathrm{\$}100,000$$\mathrm{\$}100,000$$100,000\$ 100,000. In the first 10 years of payments how much is taxable each year?
41. 一个人在 20 年内支付了 $\mathrm{\$}50,000$$\mathrm{\$}50,000$$50,000\$ 50,000 到一个固定年金中。当他决定开始领取收入支付时，保险公司计算他将终身每年收到 $\mathrm{\$}4,000$$\mathrm{\$}4,000$$4,000\$ 4,000 ，这意味着他将总共收到 $\mathrm{\$}100,000$$\mathrm{\$}100,000$$100,000\$ 100,000 。在前 10 年的支付中，每年应纳税多少？
a) $\mathrm{\$}0$$\mathrm{\$}0$$0\$ 0
b) $\mathrm{\$}800$$\mathrm{\$}800$$800\$ 800
c) $\mathrm{\$}2,000$$\mathrm{\$}2,000$$2,000\$ 2,000
d) $\mathrm{\$}4,000$$\mathrm{\$}4,000$$4,000\$ 4,000
42. The Family Medical Leave Act covers all of the following, EXCEPT:
家庭医疗假法案涵盖以下所有内容，除了：
a) Expenses incurred due to traveling with a partner that has been transferred abroad
因与已被调往国外的合作伙伴旅行而产生的费用
b) The adoption of a child
收养一个孩子
c) Caring for a disabled parent
照顾残疾父母
d) Personal medical needs
个人医疗需求
43. When children are covered under a Family Life insurance policy:
当儿童被纳入家庭人寿保险政策时：
a) Only those children that are not adopted are protected under the policy after policy issue
只有那些未被收养的儿童在政策发布后受到政策的保护
b) Those children will increase the premium
那些孩子会增加保费
c) Whole life will typically be applied for them
c) 通常会为他们申请终身寿险
d) Evidence of insurability is not required if conversion is made to permanent insurance for those children
d) 如果为这些儿童转换为永久保险，则不需要提供可保性证明
44. All of the following are classed by the ADA as life activities, EXCEPT:
44. 以下所有活动都被美国残疾人法案（ADA）归类为生活活动，除了：
a) Running a) 跑步
b) Walking 步行
c) Seeing c) 看到
d) Hearing 听证会
45. An insured bought an annuity ten years ago. He will retire in five years. To determine the value of the annuity, the number of accumulation units is multiplied by the value of the separate account. What type of annuity was purchased?
被保险人十年前购买了一份年金。他将在五年后退休。为了确定年金的价值，积累单位的数量乘以单独账户的价值。购买的是什么类型的年金？
a) Variable annuity 可变年金
b) Fixed premium annuity 固定保费年金
c) Tax sheltered annuity 税收庇护年金
d) Single payment annuity
d) 单次支付年金
46. Twelve months ago, a man slipped and fell down a flight of stairs at his workplace. As a result he has a paralysis for which he is not expected to recover. This 46 year old person will probably be able to collect disability income benefits from:
46. 十二个月前，一名男子在工作场所滑倒并摔下楼梯。因此，他出现了瘫痪，预计无法恢复。这位 46 岁的人可能能够领取残疾收入福利。
a) Medicare 医疗保险
b) Workers’ Compensation 工人赔偿
c) Medicaid 医疗补助
d) Social Security 社会保障
47. In order to be qualified to sell LTC insurance in the state of CA, agents must comply with all of the following, EXCEPT:
为了在加利福尼亚州销售长期护理保险，代理人必须遵守以下所有规定，除了：
a) All licensees are required to pass a LTC knowledge exam every 10 years
所有持证人每 10 年必须通过一次 LTC 知识考试
b) For licenses issued after January 1, 1992, 8 hours of training for the first four 12 -month periods from date of license issuance, then 8 hours prior to each renewal
b) 对于 1992 年 1 月 1 日后颁发的许可证，从许可证颁发之日起的前四个 12 个月期间需进行 8 小时的培训，然后在每次续期前需进行 8 小时的培训
c) Non-resident licensees file with the Insurance Commissioner and have Commissioner approve education requirement
c) 非居民执照持有人向保险专员提交文件，并获得专员批准教育要求
d) Eight hours prior to renewal for licenses issued prior to January 1, 1992
在 1992 年 1 月 1 日之前发放的许可证续期前八小时
74. All of the following would be considered unfair trade practices, EXCEPT:
74. 以下所有行为都将被视为不公平贸易行为，除了：
a) Making a statement to the public about a person in the insurance business that is untrue or misleading
a) 向公众发表关于保险行业某人的不真实或误导性声明
b) Committing an act of discrimination whether it be fair or unfair
b) 进行歧视行为，无论是公平还是不公平
c) Filing with any public official a false statement of financial condition concerning an insurer
c) 向任何公共官员提交关于保险公司的虚假财务状况声明
d) Making any statement misrepresenting terms of any policy
d) 发表任何误导性陈述，歪曲任何政策的条款
75. Which of the following is a feature of regular IRAs?
75. 以下哪项是常规个人退休账户（IRA）的特点？
a) Deductible contributions and taxable distributions
可扣除的捐款和应税分配
b) Deductible contributions and tax free distributions
b) 可扣除的捐款和免税分配
c) Non-deductible contributions and tax free distributions
c) 不可扣除的捐款和免税分配
d) Non-deductible contributions and taxable distributions
d) 不可扣除的捐款和应税分配
76. Senior citizens are given a 30 day right to return a life insurance policy:
76. 老年人享有 30 天的退还人寿保险政策的权利：
a) At age 65 a) 在 65 岁时
b) Under individual or group plans
b) 在个人或团体计划下
c) At age 60 or older
c) 年龄在 60 岁或以上
d) All of the above
d) 以上所有
77. Which of the following is a feature of Roth IRAs?
77. 以下哪项是罗斯 IRA 的特点？
a) Deductible contributions and tax free distributions
可扣除的捐款和免税分配
b) Deductible contributions and taxable distributions
b) 可扣除的捐款和应纳税的分配
c) Non-deductible contributions and tax free distributions
c) 不可扣除的捐款和免税分配
d) Non-deductible contributions and taxable distributions
d) 不可扣除的捐款和应税分配
78. If an insurance agent or broker receives a commission for arranging a premium finance agreement they must do which of the following?
如果保险代理人或经纪人因安排保费融资协议而获得佣金，他们必须做以下哪项？
a) Disclose to the client the amount of all commissions received
a) 向客户披露所收到的所有佣金金额
b) Disclose to the client the amount of commission received for arranging the financing agreement
b) 向客户披露为安排融资协议所收取的佣金金额
c) Share the commission with the client
c) 与客户分享佣金
d) None of the above
d) 以上都不是
79. Which of the following expenses is never covered by a LTC insurance policy?
79. 以下哪项费用永远不被长期护理保险政策覆盖？
a) Home health care 家庭医疗护理
b) Adult day care 成人日间照护
c) Hospital acute care unit
医院急救病房
d) Alzheimer’s disease 阿尔茨海默病
80. Which of the following is NOT ordinary life insurance?
80. 以下哪项不是普通人寿保险？
a) Alfe-paid-up-to-65 policy
a) Alfe 缴费至 65 岁政策
b) A 30-year decreasing term policy
b) 一份 30 年的递减定期保险
c) A group life insurance policy
团体人寿保险政策
d) A 20-year endowment policy
20 年期的年金保险政策
81. Which of the following is correctly listed from lowest to highest initial premium?
81. 以下哪项是从最低到最高的初始保费正确列出的？
a) Single premium, modified premium, continuous premium
a) 单次保费、修改保费、持续保费
b) Modified premium, continuous premium, single premium
b) 修改后的保费，持续保费，单次保费
c) Single premium, continuous premium, modified premium
c) 单次保费、持续保费、调整保费
d) Continuous premium, modified premium, single premium
d) 持续保费、修改保费、单次保费
82. A failure to communicate information which a party to an insurance contract knows and should communicate is called an act of:
82. 未能传达保险合同一方知道并应当传达的信息称为：
a) Concealment a) 隐藏
b) Intimidation 恐吓
c) Warranty c) 保修
d) Coercion d) 强迫
83. Deductibles, coinsurance, and co-payments in a health insurance policy are cost-effective choices that have the effect of:
83. 健康保险政策中的免赔额、共保和共付是具有成本效益的选择，其效果是：
a) Cost sharing a) 成本分担
b) Cost avoidance b) 成本规避
c) Cost containment c) 成本控制
d) Cost evasion d) 成本规避
84. Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), a qualifying event insures that an employee who is covered can:
根据《综合综合预算调解法案》（COBRA），合格事件确保被覆盖的员工可以：
a) Elect to continue coverage
a) 选择继续保险覆盖
b) Request a waiver of premium
b) 请求免除保费
c) Convert to an interim policy
c) 转换为临时政策
d) Transfer coverage to another group
d) 将覆盖范围转移到另一个组
85. An insurer’s violation of state rules regarding the transaction of insurance can result in imprisonment for any of the following, EXCEPT:
保险公司违反州关于保险交易的规则可能导致监禁，以下情况除外：
a) 10 to 15 years
10 到 15 年
b) 2 years b) 2 年
c) 5 years c) 5 年
d) 1 year d) 1 年
86. An insurer’s violation of the federal laws regarding the transaction of insurance can result in fines of up to:
保险公司违反有关保险交易的联邦法律可能会导致最高罚款：
a) $\mathrm{\$}100,000$$\mathrm{\$}100,000$$100,000\$ 100,000
b) $\mathrm{\$}20,000$$\mathrm{\$}20,000$$20,000\$ 20,000
c) $\mathrm{\$}80,000$$\mathrm{\$}80,000$$80,000\$ 80,000
d) $\mathrm{\$}50,000$$\mathrm{\$}50,000$$50,000\$ 50,000
87. Which party has rights in a life insurance policy only after the death of the insured?
87. 哪一方在被保险人去世后才拥有人寿保险单的权利？
a) The policyholder 投保人
b) The beneficiary 受益人
c) The applicant 申请人
d) The insured 被保险人
60. Which of the following gives individuals the right to purchase additional life insurance regardless of their insurability?
60. 以下哪项赋予个人无论其可保性如何都可以购买额外人寿保险的权利？
a) Incontestability a) 不可争辩性
b) Accelerated death benefit
b) 加速死亡福利
c) Guaranteed insurability
c) 保证可投保性
d) Waiver of premium d) 免除保费
61. Which of the following is NOT true regarding qualification for residual disability benefits?
61. 以下哪项关于残余伤残福利的资格是不正确的？
a) The insured must be under the orders of a physician
被保险人必须在医生的指示下
b) The insured must qualify for Social Security disability benefits
被保险人必须符合社会保障残疾福利的资格
c) The insured’s income must be at least $20\mathrm{\%}$$20\mathrm{\%}$20%20 \% below their pre-disability level
被保险人的收入必须至少低于其残疾前水平 $20\mathrm{\%}$$20\mathrm{\%}$20%20 \%
d) The insured must be unable to work full/part-time
被保险人必须无法全职或兼职工作
62. An insurer organized under the laws of the State of California is a:
根据加利福尼亚州法律组织的保险公司是：
a) Domestic insurer 国内保险公司
b) Foreign insurer b) 外国保险公司
c) Non-alien insurer c) 非外资保险公司
d) Non-admitted insurer d) 非承认保险公司
63. Which of the following applies to the social insurance program known as Social Security?
63. 以下哪项适用于被称为社会保障的社会保险计划？
a) Contributions are compulsory for most workers
a) 对大多数工人来说，缴纳贡献是强制性的
b) Benefits are based upon a contract with the insured
b) 赔偿基于与被保险人的合同
c) Benefits are paid to each individual matching their contributions
c) 养老金根据每个人的缴费进行支付
d) All insured workers begin to receive benefits at age 65
所有投保工人从 65 岁开始领取福利
64. A Probationary Period in a group health policy is intended for people:
64. 团体健康保险中的试用期是为以下人群设定的：
a) Who decline to join the group during the eligibility period
a) 在资格期内拒绝加入小组的人
b) With other coverage after a qualifying event
b) 在符合条件的事件后与其他保险覆盖一起
c) With a pre-existing condition when they joined the group
c) 加入该团体时有既往病史
d) Who joined the group after the effective date
d) 谁在生效日期后加入了该小组
65. Which of the following categories of benefits are NoT covered in a Long-Term Care policy?
65. 以下哪一类福利不包括在长期护理保险中？
a) Home care benefits 家庭护理福利
b) Custodial care benefits
b) 看护服务福利
c) Acute care coverage in a hospital
c) 医院的急性护理覆盖
d) Community based care benefits
d) 社区基础护理的好处
66. An insurer owned by policyholders is:
66. 由保单持有人拥有的保险公司是：
a) Fraternal insurer 兄弟保险公司
b) Capital stock insurer b) 资本股票保险公司
c) Mutual insurer 互助保险公司
d) Reciprocal exchange d) 互惠交换
67. The amount paid for residual disability benefits in a Disability Income Policy is based on:
残疾收入保险中支付的残余残疾福利金额基于：
a) An amount that will encourage the insured to return to work
a) 一笔能够鼓励被保险人重返工作的金额
b) A loss of at least $20\mathrm{\%}$$20\mathrm{\%}$20%20 \% of pre-disability income
b) 至少损失 $20\mathrm{\%}$$20\mathrm{\%}$20%20 \% 的残疾前收入
c) An amount necessary to cover the family’s entire income needs
c) 满足家庭全部收入需求的金额
d) The length of benefit period provided by the disability policy
残疾保险提供的福利期限长度
68. All of the following are valid reasons for the Insurance Commissioner to deny the applicant for an insurance license, EXCEPT:
68. 以下所有理由都是保险专员拒绝申请人获得保险执照的有效理由，除了：
a) Applicant does not have a good business reputation
申请人没有良好的商业声誉
b) Applicant is not properly qualified to perform duties
申请人没有适当的资格履行职责
c) Applicant does not have a California business address
申请人没有加利福尼亚州的商业地址
d) Applicant lacks integrity
申请人缺乏诚信
69. Why should a contingent beneficiary be named in a life insurance policy?
69. 为什么在寿险保单中应该指定一个附带受益人？
a) To determine who receives the policy benefits if the primary beneficiary is deceased
a) 如果主要受益人去世，确定谁将获得保单利益
b) To become the policy owner if the primary beneficiary is deceased
b) 如果主要受益人去世，成为保单持有人
c) To allow creditors to receive policy proceeds
c) 允许债权人接收保单收益
d) To share the proceeds with the primary beneficiary
d) 与主要受益人分享收益
70. All of the following are true regarding recurrent disability benefits in a Disability Income Policy, EXCEPT:
70. 关于残疾收入政策中的复发性残疾福利，以下所有说法都正确，除了：
a) The insured must have lost at least $20\mathrm{\%}$$20\mathrm{\%}$20%20 \% of income
被保险人必须至少损失 $20\mathrm{\%}$$20\mathrm{\%}$20%20 \% 的收入
b) There must be a period of recovery following the initial disability
b) 在初始残疾后必须有一个恢复期
c) The new disability must be related to the prior disability
c) 新的残疾必须与之前的残疾相关
d) A new elimination period will apply
d) 将适用新的排除期
71. Which of the following is NOT an example of cost sharing in a health insurance policy?
71. 以下哪项不是健康保险政策中费用分担的例子？
a) Coinsurance 共同保险
b) Co-payment b) 共同支付
c) Coordination 协调
d) Deductible 可扣除的
72. Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), which of the following is a qualifying event?
根据《综合综合预算调解法案》（COBRA），以下哪项是合格事件？
a) Promotion a) 促销
b) Divorce 离婚
c) Marriage 婚姻
d) Relocation d) 迁移
73. Which of the following is NOT a physician?
73. 以下哪项不是医生？
a) Urologist 泌尿科医生
b) Neurologist 神经科医生
c) Optometrist 验光师
d) Dermatologist 皮肤科医生
48. If the financial loss on a certain group of people occurring over a certain period of time defines the pricing of a disability policy, it is the pricing principle known as:
如果某一群体在特定时间内的财务损失决定了残疾保险的定价，这被称为定价原则：
a) Rapidity 迅速性
b) Security b) 安全
c) Risk 风险
d) Frequency 频率
49. What happens to a license after the death of a natural person who holds a valid insurance license?
49. 持有有效保险执照的自然人去世后，执照会发生什么情况？
a) It always terminates a) 它总是终止
b) It may be transferred to another person
b) 它可以转让给其他人
c) The license becomes inactive until the expiration date
c) 许可证在到期日期之前变为无效
d) The license must be returned to the Commissioner to cancel the license
d) 许可证必须退还给专员以取消许可证
50. Life insurance settlement options include all of the following, EXCEPT:
50. 人寿保险结算选项包括以下所有内容，除了：
a) Interest option a) 利息选项
b) Extended term option b) 延长期选项
c) Fixed amount option c) 固定金额选项
d) Fixed period option d) 固定期限选项
51. With the cost of living rider, the life insurance policy holder:
51. 通过生活成本附加条款，寿险保单持有人：
a) Must increase or decrease the face value of the policy as the index increases or decreases
a) 必须随着指数的增加或减少而增加或减少保单的面值
b) Gets the automatic increase in the face value if there is an increase in the cost of living index. There is an additional premium for the additional coverage
b) 如果生活成本指数上升，面值会自动增加。额外保障需要额外的保费。
c) Gets the automatic increase in the face value if the index goes up. There is no charge except for the flat charge for the rider
c) 如果指数上升，面值会自动增加。除了附加条款的固定费用外，没有其他费用。
d) All of the above are false
d) 以上所有都是错误的
52. Which of the following is NOT a standard level of care for a LTC policy?
52. 以下哪项不是长期护理保险的标准护理级别？
a) Intermediate care 中级护理
b) Custodial care b) 看护服务
c) Skilled nursing care 熟练护理服务
d) Convalescent care d) 康复护理
53. When a family policy covers children, all of the following are true, EXCEPT:
53. 当家庭政策涵盖儿童时，以下所有说法都正确，除了：
a) The coverage is term insurance for a fixed amount
a) 该保险是固定金额的定期保险
b) Evidence of insurability is required if coverage for children is permanent insurance
如果儿童的保险是永久性保险，则需要提供可保性证明
c) There is no additional charge for covering new additions to the family
c) 对于家庭中新增加的成员，不会收取额外费用
d) All children living with the family are covered even if born or adopted after the policy is issued
d) 所有与家庭同住的孩子都在保障范围内，即使是在保单签发后出生或被收养的孩子
54. When a corporation uses life insurance to purchase shares through a buy-sell agreement, which is true regarding the federal income tax treatment of the transaction?
54. 当公司通过买卖协议使用人寿保险购买股份时，关于该交易的联邦所得税处理，哪项是正确的？
a) Death benefits used to cross-purchase shares are taxable to the insured shareholder’s estate if the shareholder had any incidents of ownership in the insurance
a) 用于交叉购买股份的死亡福利如果股东在保险中有任何所有权事件，则对被保险股东的遗产征税
b) The purchase is treated as a nonregarded loss or gain if the shares are composed of common stock
b) 如果股票由普通股组成，则购买被视为不被考虑的损失或收益
c) The purchaser’s total bases of shares will increase as a result of the transaction
c) 由于交易，购买者的股份总基数将增加
d) Premiums are deductible if the cross-purchase transfer falls under an exemption under the transfer-for-value rule
d) 如果交叉购买转让符合转让价值规则下的豁免，则保费可扣除
55. All of the following is required on a life insurance application, EXCEPT:
55. 生命保险申请中要求提供以下所有信息，除了：
a) Health history 健康历史
b) Amount of other life insurance in force
b) 其他有效人寿保险的金额
c) Age of the insured
被保险人的年龄
d) The amount of disability income insurance in force
d) 现行的残疾收入保险金额
56. What information can a party to a contract of insurance be allowed NOT to communicate according to California law?
根据加利福尼亚州法律，保险合同的一方可以不披露哪些信息？
a) Information which the other party already knows
a) 对方已经知道的信息
b) Information not specifically asked by an agent and company, even if it’s considered relevant
b) 代理人和公司未特别要求的信息，即使被认为是相关的
c) Information which is material to the contract
c) 对合同重要的信息
d) Information which cannot be proven but is material
d) 无法证明但重要的信息
57. According to the CA Insurance Code, a judgment against an applicant who entered a plea of “nolo contendere” is considered to be:
根据加州保险法典，对一个提出“无异议”抗辩的申请人的判决被视为：
a) innocent by code, but guilty by law
a) 代码无罪，但法律有罪
b) innocent 无辜
c) Referred to the Insurance Commissioner for opinion
c) 转交保险专员以征求意见
d) Convicted 被定罪
58. An association of industry specific employers who are joined together in order to qualify for, or gain premium advantages, in group insurance is:
58. 一个特定行业雇主的协会，他们联合在一起以便获得团体保险的资格或获得优越的优势是：
a) MEWA
b) MEC
c) MET
d) MIB
59. Which of the following recall provisions of a disability contract is likely to change the contract least and cost the most?
59. 以下哪项残疾合同的召回条款最可能对合同产生最小的变化并且成本最高？
a) Continuous indemnity contract
a) 连续赔偿合同
b) Noncancellable contract
b) 不可取消的合同
c) Guaranteed renewable contract
c) 保证可续签合同
d) Expense arrangement contract
费用安排合同
88. A person who spends $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000 in a single premium annulty, and another $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000 in a Certificate of Deposit (CD). Both pay 10% interest annually. The person is in a $31\mathrm{\%}$$31\mathrm{\%}$31%31 \% income tax bracket. For 40 years, this person does not touch his annuity, and reinvests all income from the CD at $10\mathrm{\%}$$10\mathrm{\%}$10%10 \%. Which of the following statements is true?
88. 一个人在单一保费年金中花费了 $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000 ，在定期存款（CD）中花费了 $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000 。两者每年支付 10% 的利息。此人处于 $31\mathrm{\%}$$31\mathrm{\%}$31%31 \% 的所得税税率。40 年来，此人不动用他的年金，并将 CD 的所有收入以 $10\mathrm{\%}$$10\mathrm{\%}$10%10 \% 再投资。以下哪项陈述是正确的？
a) The CD would be worth several hundred thousand more because there is no commission paid on a $CD$$CD$CDC D
该 CD 的价值将增加数十万美元，因为在 $CD$$CD$CDC D 上没有支付佣金
b) The annuity would be worth several hundred thousand more because of the tax deferral of the earnings
b) 由于收益的税收递延，该年金的价值将增加数十万美元
c) The CD would be worth several hundred thousand more because of tax deferral
c) 由于税收递延，CD 的价值将增加数十万美元
d) They would be worth approximately the same amount after the payment of deferred income taxes
d) 在支付递延所得税后，它们的价值大致相同
89. Listed below are descriptions of four types of policies. Which is the Term Policy?
89. 以下是四种政策的描述。哪一种是定期政策？
a) The policy premium increases after three years and then it remains the same until the policy is paid up at age 55
a) 保单保费在三年后增加，然后保持不变，直到保单在 55 岁时付清
b) The policy has a face amount of $\mathrm{\$}100,000$$\mathrm{\$}100,000$$100,000\$ 100,000. The policy holder pays premiums annually. At the end of 10 years the cash value is $\mathrm{\$}25,000$$\mathrm{\$}25,000$$25,000\$ 25,000
b) 该保单的面值为 $\mathrm{\$}100,000$$\mathrm{\$}100,000$$100,000\$ 100,000 。保单持有人每年支付保费。10 年后现金价值为 $\mathrm{\$}25,000$$\mathrm{\$}25,000$$25,000\$ 25,000 。
c) The policy premiums must be paid for 20 years. Afterwards, the policy continues with no additional premiums paid. The policy has non-forfeiture values
c) 保单保费必须支付 20 年。之后，保单继续有效，无需支付额外保费。该保单具有不失效价值。
d) The policy has a face amount of $\mathrm{\$}100,000$$\mathrm{\$}100,000$$100,000\$ 100,000. Every five years, the premium paid increases. After ten years, the policyholder stops paying premiums and the coverage stops. The policy has no cash value
d) 该保单的保险金额为 $\mathrm{\$}100,000$$\mathrm{\$}100,000$$100,000\$ 100,000 。每五年，所支付的保费会增加。十年后，保单持有人停止支付保费，保险保障也随之停止。该保单没有现金价值。
90. All of the following are true concerning the treatment of income tax on life insurance, EXCEPT:
90. 关于人寿保险的所得税处理，以下所有说法都正确，除了：
a) Premiums paid for individual life insurance policies are not tax deductible
个人寿险保单支付的保费不可税前扣除
b) Employers can deduct the cost of premiums paid to benefit employees as a business expense
雇主可以将支付给员工的保险费作为商业费用扣除
c) Annuity death benefit proceeds are exempt from all taxation
c) 年金死亡福利收益免于所有税收
d) Death benefits are generally exempt from federal income taxation
d) 死亡福利通常免于联邦所得税
91. In insurance terms a representation can be considered:
在保险术语中，陈述可以被视为：
a) An absolute fact 绝对事实
b) An implied warranty 隐含担保
c) An express warranty c) 明示担保
d) None of the above
d) 以上都不是
92. All of the following are penalties for use of an illegal policy illustration, EXCEPT:
92. 以下所有内容都是使用非法保单插图的处罚，除了：
a) Application denied for up to 240 months
申请被拒绝，最长可达 240 个月
b) License suspension b) 许可证暂停
c) License revocation c) 许可证撤销
d) Fine 好的
93. Identify the penalty for each violation for a person engaging in any unfair method of competition:
93. 确定从事任何不公平竞争手段的个人每项违规行为的处罚：
a) No more than $\mathrm{\$}5,000$$\mathrm{\$}5,000$$5,000\$ 5,000 per agent
每个代理不超过 $\mathrm{\$}5,000$$\mathrm{\$}5,000$$5,000\$ 5,000
b) No more than $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000 total no matter how many violations or type of violation
b) 无论违规次数或违规类型，总金额不得超过 $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000
c) No more than $\mathrm{\$}5,000$$\mathrm{\$}5,000$$5,000\$ 5,000 for each act, or no more than $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000 for each act if the act is judged to be willful
每个行为不超过 $\mathrm{\$}5,000$$\mathrm{\$}5,000$$5,000\$ 5,000 ，如果该行为被判定为故意，则每个行为不超过 $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000
d) $\mathrm{\$}5,000$$\mathrm{\$}5,000$$5,000\$ 5,000 for each violation up to a total of $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000
d) 每次违规 $\mathrm{\$}5,000$$\mathrm{\$}5,000$$5,000\$ 5,000 ，总计不超过 $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000
94. Jim sells Long-Term Care coverage to the public. This means he must:
吉姆向公众销售长期护理保险。这意味着他必须：
a) Complete 8 hours in an approved LTC continuing education course
完成 8 小时的批准长期护理继续教育课程
b) Complete 25 hours in an approved LTC continuing education course
b) 完成 25 小时的认可长期护理继续教育课程
c) Do nothing; LTC continuing education is included in the Life Agent continuing education course
c) 不采取任何行动；LTC 继续教育已包含在生命代理人的继续教育课程中
d) Do nothing; there is no continuing education requirement for LTC
d) 不采取任何行动；长期护理没有继续教育的要求
95. Unless it is merely a statement of an expectation or a belief, a representation as to the future is considered which of the following?
95. 除非它仅仅是对期望或信念的陈述，否则关于未来的陈述被视为以下哪项？
a) Promise 承诺
b) Provision b) 规定
c) Liability c) 责任
d) Description d) 描述
96. The purchase of an insurance policy may not provide one of the following for the insured. Select the most complete answer:
购买保险单可能不会为被保险人提供以下之一。选择最完整的答案：
a) The replacement of a large possible loss for a small certain loss
a) 用小的确定损失来替代大的可能损失
b) A reduction of uncertainty
b) 不确定性的减少
c) Reduction in the worry/greater peace of mind
c) 减少担忧/更大的内心平静
d) Elimination of the risk
消除风险
97. Which of the following is a correct statement about life insurance policy types?
97. 以下哪项关于人寿保险政策类型的说法是正确的？
a) Limited payment whole life policies stay in effect only as long as the premium is paid
a) 有限缴费终身保险政策仅在支付保费期间有效
b) Group life insurance policies are offered only to employees who provide proof of insurability
b) 团体人寿保险仅提供给能够提供保险资格证明的员工
c) The initial premium for term insurance is lower than the initial premium for whole life insurance
c) 定期保险的初始保费低于终身保险的初始保费
d) Universal life insurance has a structured premium payment schedule that must be followed for the entire contract period
d) 万能寿险有一个结构化的保费支付计划，必须在整个合同期间内遵循
98. Terminally ill persons would need which of the following?
末期病人需要以下哪项？
a) Skilled nursing care 熟练护理
b) Intermediate care 中级护理
c) Hospice care 临终关怀
d) Acute care 急性护理
99. The department responsible for evaluation, selection and distribution of risks is:
负责评估、选择和分配风险的部门是：
a) The marketing and sales department
市场和销售部门
b) The underwriting department
承保部门
c) The claims department 索赔部门
d) The actuarial department
精算部门
100. In group insurance the Certificates of insurance are issued to:
在团体保险中，保险凭证发放给：
a) The group sponsor a) 组别赞助商
b) The group members b) 小组成员
c) The employer 雇主
d) The plan administrator
计划管理员
101. A person has a disability policy with the following definition of disability: "the inability to perform any occupation for which the insured is suited through education, training, experience or prior economic status. ${}^{\prime \prime }$${}^{\prime \prime }$^(''){ }^{\prime \prime} This is an:
101. 一个人拥有一份残疾保险，残疾的定义为：“无法从事任何被保险人通过教育、培训、经验或先前经济状况所适合的职业。 ${}^{\prime \prime }$${}^{\prime \prime }$^(''){ }^{\prime \prime} 这是一份：
a) Own occupation definition and is very restrictive
a) 自己职业的定义非常严格
b) Any occupation definition and is less restrictive
b) 任何职业定义都不那么严格
c) Own occupation definition and is less restrictive
c) 自己职业的定义，限制性较小
d) Any occupation definition and is very restrictive
d) 任何职业定义都非常限制性
102. What would a person be guilty of who refuses to submit books and records to the Commissioner?
102. 拒绝向专员提交书籍和记录的人会犯什么罪？
a) Misrepresentation a) 误述
b) Contempt of court 蔑视法庭
c) Felony 重罪
d) Misdemeanor 轻罪
103. In group plans ERISA relates to:
103. 在团体计划中，ERISA 相关于：
a) Reporting and disclosure requirements
a) 报告和披露要求
b) Family and medical issues
b) 家庭和医疗问题
c) Americans with disabilities
c) 残疾人美国人
d) Continuation of benefits
d) 福利的延续
104. Which of the following requires a reporting company to respond to a consumer’s complaint that his file contains inaccurate information?
104. 以下哪项要求报告公司对消费者投诉其档案包含不准确信息作出回应？
a) Unfair Practices Act 不公平行为法
b) Medical Information Act
医疗信息法
c) COBRA
d) Fair Credit Reporting Act
公平信用报告法
105. Which of the following statements about policy dividends is true?
105. 关于保单红利，以下哪项陈述是正确的？
a) Dividends can be guaranteed
a) 股息可以得到保证
b) The insured usually selects the dividend option at the time of policy purchase
被保险人通常在购买保单时选择红利选项
c) Dividends are only issued with non-participating policies
c) 只有非参与型保单才会发放红利
d) All dividends are taxable
d) 所有股息均需纳税
106. A health insurance co-payment is:
106. 健康保险的共付额是：
a) A percentage of the probable costs of services provided to the insured
提供给被保险人的服务可能成本的百分比
b) A portion of the deductible that the insured pays for the service
被保险人支付的服务自付额的一部分
c) A payment paid by the insured to the provider for the service
c) 由被保险人向提供者支付的服务费用
d) A percentage of the cost of service shared between the insured and the insurer
d) 保险人和被保险人共同分担的服务费用百分比
107. Which pays on the death of the first insured?
107. 哪个在第一个被保险人去世时支付？
a) Joint Life 共同生活
b) Survivorship Life b) 生存人寿保险
c) Family Policy 家庭政策
d) Limited Payment Whole Life
d) 有限缴费终身寿险
108. When a claimant is covered by more than one plan the situation is resolved through:
当索赔人被多个计划覆盖时，情况通过以下方式解决：
a) Maximum benefit 最大利益
b) Coinsurance 共同保险
c) Integration 整合
d) Coordination of benefits
d) 福利协调
109. Which pays on the death of the second insured?
109. 哪个在第二位被保险人去世时支付？
a) Joint Life 共同生活
b) Survivorship Life b) 生存人寿保险
c) Limited Payment Whole Life
c) 有限支付终身寿险
d) Family Policy 家庭政策
110. Which of the following is true about life insurance beneficiary designations?
110. 关于人寿保险受益人指定，以下哪项是正确的？
a) The primary and secondary beneficiary share proceeds equally
主要和次要受益人平分收益
b) If the primary beneficiary dies before the insured, the benefits are paid to the estate of the insured even if there is a contingent beneficiary
如果主要受益人在被保险人之前去世，尽管有附带受益人，保险金将支付给被保险人的遗产
c) When the insured dies the death benefit is paid to the secondary beneficiary even if there is a primary beneficiary
c) 当被保险人去世时，死亡赔偿金将支付给次要受益人，即使有主要受益人
d) If there is no surviving beneficiary, the death benefit is paid to the insured’s estate
如果没有幸存的受益人，死亡赔偿金将支付给被保险人的遗产
111. The basic feature of a managed care indemnity plan is that the participants:
111. 管理式医疗赔偿计划的基本特征是参与者：
a) Select a provider and submit claims to the insurance company
a) 选择一个服务提供者并向保险公司提交索赔
b) Select a provider at work and claims processor
b) 选择一个工作中的服务提供商和索赔处理器
c) Pre-select a physician and third-party claims administrator
c) 预先选择一名医生和第三方索赔管理员
d) Pre-select a clinic and submit claims to the insurance company
d) 预先选择一家诊所并向保险公司提交索赔
112. Which of the following is NOT an option for the use of the policy dividends?
112. 以下哪项不是使用保单红利的选项？
a) Fund the distribution of monthly income payments
a) 资助每月收入支付的分配
b) Purchase paid-up additions
b) 购买已支付的附加保险
c) Reduce the current premium
c) 降低当前的保费
d) Purchase one year term insurance
购买一年期保险
113. A Disability Income Social Insurance Supplement (SIS) benefit rider:
113. 残疾收入社会保险补充（SIS）福利附加条款：
a) Pays a benefit if the insured is qualified for Workers’ Compensation benefits
如果被保险人符合工人赔偿福利的资格，则支付福利
b) Pays benefits regardless of any social insurance benefits provided
b) 无论提供任何社会保险福利，均支付福利
c) Provides a benefit if the insured does not qualify for social insurance benefits
c) 如果被保险人不符合社会保险福利的资格，则提供一种福利
d) Provides a benefit only if the insured is totally disabled and qualifies for social insurance plan benefits
仅在被保险人完全失能并符合社会保险计划福利资格时提供福利
114. Which of the following describes an insurer who has enough financial resources only to provide for all its liabilities and for all reinsurance of all outstanding risks?
114. 以下哪项描述了一家保险公司，其财务资源仅足以满足其所有负债和所有未决风险的再保险？
a) Guaranteed 保证
b) Insolvent 破产
c) Solvent 溶剂
d) Non-participating d) 不参与
115. What would be the Insurance Commissioner’s most likely course of action if an applicant for an insurance license had a previous application for a professional license denied for cause by any licensing authority within five years of the date of the filing?
如果保险执照申请人在提交申请之日起五年内曾因原因被任何许可机构拒绝过专业执照申请，保险专员最可能采取的行动是什么？
a) Deny the application probably after a hearing
a) 在听证会后可能拒绝申请
b) As long as it was not insurance related, the application will be granted
b) 只要与保险无关，申请将被批准
c) Approve only after a review by a panel of insurance professionals
c) 仅在保险专业人士小组审核后批准
d) Deny the application without a hearing
d) 在没有听证的情况下拒绝申请
116. A disability policy, described as “guaranteed renewable” is one where the insurance company:
116. 一项被描述为“保证可续保”的残疾保险政策是指保险公司：
a) Surrenders the right to change the premiums
a) 放弃更改保费的权利
b) Reserves the right to change any of its terms
保留更改其任何条款的权利
c) Reserves the right to change the premiums, but may not change any of its terms
c) 保留更改保费的权利，但不得更改其任何条款
d) May not renew the policy if the insured ceases to comply with certain conditions such as continued employment
d) 如果被保险人不再遵守某些条件，例如继续就业，可能不再续保该保单
117. Which statement is true regarding Medicare Supplement Insurance plans?
117. 关于医疗保险补充保险计划，哪个说法是正确的？
a) Insurers may offer only broad coverage plans that contain both core benefits and additional benefits
保险公司可以只提供包含核心福利和附加福利的广泛保障计划
b) Insurers may freely offer whatever supplemental coverages they prefer to market
保险公司可以自由提供他们希望市场销售的任何补充保险
c) Insurers may offer policies that contain only the core benefits
c) 保险公司可以提供仅包含核心利益的保单
d) Insurers may create insurance policies for approval by the CA Department of Insurance
保险公司可以制定保险政策以供加州保险局批准
118. Which of the following cannot qualify for a self-funded health plan?
118. 以下哪项不能符合自筹资金健康计划的资格？
a) Cooperatives 合作社
b) Fraternals 兄弟会
c) Individuals c) 个人
d) Credit Unions 信用合作社
119. $ABC$$ABC$ABCA B C and Associates is an agency which represents $XYZ$$XYZ$XYZX Y Z Insurance Corporation. $ABC$$ABC$ABCA B C and Associates may leave the name XYZ Insurance Corporation in its advertisements by clearly stating the relationship between the two businesses in any of the following ways, EXCEPT:
119. $ABC$$ABC$ABCA B C 和合伙人是一家代表 $XYZ$$XYZ$XYZX Y Z 保险公司的机构。 $ABC$$ABC$ABCA B C 和合伙人可以在其广告中保留 XYZ 保险公司的名称，但必须以以下任何方式清楚说明两家企业之间的关系，除了：
a) ABC and Associates who represent XYZ Insurance Corporation
ABC 及其合伙人代表 XYZ 保险公司
b) ABC and Associates underwriting for XYZ Insurance Corporation
b) ABC 及其合伙人为 XYZ 保险公司承保
c) ABC and Associates placing business through XYZ Insurance Corporation
c) ABC 及其合伙人通过 XYZ 保险公司进行业务
d) $ABC$$ABC$ABCA B C and Associates using the services of XYZ Insurance Corporation
d) $ABC$$ABC$ABCA B C 和 XYZ 保险公司合作提供服务
120. Choose from the following selections the best description of a premium.
120. 从以下选项中选择对优质产品的最佳描述。
a) Funds received by an insured from an insurer to receive the benefits of the policy
a) 被保险人从保险公司收到的资金，以获得保单的利益
b) Funds received by an insurer from an insured to receive the benefits of the policy
保险公司从投保人处收到的资金，以获得保单的利益
c) A bonus paid to an agent for high insurance sales production
c) 支付给代理人的高保险销售业绩奖金
d) The amount an insured pays for each unit of coverage. $\mathrm{\$}10$$\mathrm{\$}10$$10\$ 10 for every $\mathrm{\$}1,000$$\mathrm{\$}1,000$$1,000\$ 1,000 of coverage is an example
d) 被保险人每单位保险覆盖所支付的金额。 $\mathrm{\$}10$$\mathrm{\$}10$$10\$ 10 每 $\mathrm{\$}1,000$$\mathrm{\$}1,000$$1,000\$ 1,000 的保险覆盖就是一个例子。
121. How much continuing education is a new agent who is both life insurance licensed and property and casualty licensed required to complete?
121. 一名同时持有寿险和财产意外险执照的新代理人需要完成多少继续教育？
a) 24 hours prior to license renewal for each license
在每个许可证续期前 24 小时
b) 15 hours prior to license renewal for either license
b) 在任何许可证续期前 15 小时
c) 24 hours prior to license renewal for either license
在任何许可证续期前 24 小时
d) 15 hours prior to license renewal for each license
d) 每个许可证续期前 15 小时
122. A form of rest or relief offered to family members who are caring for a person who requires continual care is:
为照顾需要持续护理的人的家庭成员提供的一种休息或缓解的形式是：
a) Hospice care 临终关怀
b) Hospital care 医院护理
c) Respite care 临时照护
d) Intermediate care 中级护理
123. Currently insured status is achieved in which of the following ways?
123. 目前的保险状态是通过以下哪种方式获得的？
a) Accumulated 13 out of the last 20 quarters
在过去 20 个季度中累计了 13 个季度
b) Accumulated 40 quarters
累计 40 个季度
c) Accumulated 6 out of the last 13 quarters
c) 在过去 13 个季度中累计了 6 个季度
d) Accumulated 20 out of the last 40 quarters
在过去 40 个季度中累计 20 个季度
124. All of the following statements about contingent beneficiaries are true, EXCEPT:
124. 关于附带受益人的以下所有陈述都是正确的，除了：
a) They receive remaining payments to be made under a settlement agreement upon the primary beneficiary’s death
a) 他们在主要受益人去世后收到根据和解协议应支付的剩余款项
b) The contingent beneficiary shares death proceeds equally with the primary beneficiary
b) 附带受益人与主要受益人平分死亡赔偿金
c) They receive the death proceeds if the primary beneficiary is deceased at the time of the insured’s death
c) 如果主要受益人在被保险人去世时已去世，他们将获得死亡赔偿金
d) More than one contingent beneficiary may be named
d) 可以指定多个附带受益人
125. The insured is totally and permanently disabled. The insured’s policy continues in force without the payment of a premium because the policy contains a:
被保险人完全和永久性残疾。被保险人的保单在不支付保费的情况下继续有效，因为该保单包含：
a) Grace period provision
a) 宽限期条款
b) Guaranteed insurability provision
b) 保证可保性条款
c) Reinstatement provision
c) 复职条款
d) Waiver of premium provision
d) 免除保费条款
126. Fully insured status is achieved in which of the following ways?
126. 完全投保状态是通过以下哪种方式实现的？
a) Accumulated 13 out of the last 20 quarters
在过去 20 个季度中累计了 13 个季度
b) Accumulated 40 quarters
累计 40 个季度
c) Accumulated 6 out of the last 13 quarters
c) 在过去 13 个季度中累计了 6 个季度
d) Accumulated 20 out of the last 40 quarters
在过去 40 个季度中累计 20 个季度
127. Which of the following is the definition of incontestability?
127. 以下哪项是不可争议性的定义？
a) An insurer is prevented from voiding a policy for misstatements after two years
保险公司在两年后不得因错误陈述而使保单无效
b) The proceeds of a life insurance policy are protected from attachment by creditors after the death of the insured
b) 人寿保险的收益在被保险人去世后受到保护，免受债权人的扣押
c) Individuals have the right to purchase additional life insurance regardless of their insurability
个人有权购买额外的人寿保险，无论其可保性如何
d) The policy remains in effect if the insured becomes totally disabled
如果被保险人完全失能，政策仍然有效
128. In the event of an accidental death, the principal sum in a disability policy will be paid:
在意外死亡的情况下，残疾保险的本金将被支付：
a) Over the course of a set period
在一段设定的时间内
b) On a sliding schedule
b) 在滑动时间表上
c) In one lump sum
一次性支付
d) As a monthly indemnity
作为每月赔偿金
129. Which of the following statements about the HICAP program is false? HICAP:
129. 关于 HICAP 项目，以下哪项陈述是错误的？HICAP：
a) Stands for Health Insurance Counseling Advocacy Program
健康保险咨询倡导计划
b) Serves people needing information about Medicare
b) 为需要有关医疗保险信息的人提供服务
c) Does not sell or endorse any specific types of insurance
c) 不销售或支持任何特定类型的保险
d) Provides assistance for a fee based upon ability to pay
d) 根据支付能力提供收费帮助
130. A measure for rating an individual’s need for LTC benefits is called:
130. 评估个人对长期护理福利需求的指标称为：
a) Case management 案件管理
b) Activities of daily living
日常生活活动
c) The gatekeeper mechanism
c) 门卫机制
d) Co-insurance 共同保险
131. A health insurance deductible is:
健康保险的免赔额是：
a) The insured’s payment for healthcare that is not considered a covered expense
被保险人支付的医疗费用不被视为承保费用
b) The cost of a covered expense minus the office co-payment
覆盖费用的成本减去办公室共付额
c) The portion of insurance premium paid for coverage by the insured
c) 被保险人支付的保险费中用于保障的部分
d) The amount of covered expense that the insured pays before the insurer pays
被保险人在保险公司支付之前支付的已覆盖费用的金额
132. All are group health underwriting factors, EXCEPT:
132. 所有都是团体健康承保因素，除了：
a) Age and gender composition of the group
a) 该组的年龄和性别构成
b) Location of the insured business
被保险业务的地点
c) Length of the elimination period
c) 消除期的长度
d) Length of the probationary period
d) 试用期的长度
133. When the terms of a policy are misrepresented by a producer to a client, that producer has committed a:
当一名生产者向客户错误陈述保单条款时，该生产者已犯下：
a) Felony 重罪
b) Aleatoric breach b) 随机违约
c) Misdemeanor 轻罪
d) Fiduciary infraction d) 受托人违规
134. When a licensed agent submits a renewal application with applicable fee on or before the expiration date:
134. 当持牌代理人在到期日前提交续期申请及相关费用时：
a) The agent will be able to operate if a receipt for payment is returned prior to the license expiration date
代理将在许可证到期日前收到付款收据后能够操作
b) The agent will be able to operate for up to 60 days after the specified expiration date
代理将在指定的到期日期后最多可操作 60 天
c) The agent will be able to operate if the agent goes in person to the insurance department to receive a temporary extension of the license
c) 代理人如果亲自前往保险部门申请临时延续许可证，将能够继续操作
d) The agent will be able to continue to operate after a 30 day extension to operate without receipt if requested and approved
代理将在请求并获得批准后，可以在无收据的情况下继续运营 30 天的延长
135. What must an insurer do who accepts an application from an agent who is not specifically appointed by that insurer and then issues a policy from that application?
135. 保险公司接受来自未被该保险公司特别任命的代理人的申请，并根据该申请发出保单时，必须做些什么？
a) The agent must become an employee of that company within 30 days or re-submit the application
代理人必须在 30 天内成为该公司的员工，否则需重新提交申请
b) Add the agent’s name on the company’s list of approved agents
b) 将代理人的姓名添加到公司的批准代理人名单上
c) Send the agent an employment approval notice within 30 days of policy issuance
在政策发布后的 30 天内向代理发送就业批准通知
d) Forward to the Insurance Commissioner a Notice of Appointment within 14 days of receipt of application
d) 在收到申请后的 14 天内，将任命通知转发给保险专员
136. Common life insurance policy riders include all of the following, EXCEPT:
136. 常见的人寿保险附加条款包括以下所有内容，除了：
a) Extended term a) 延长期限
b) Guaranteed insurability
b) 保证可投保性
c) Accidental death 意外死亡
d) Waiver of premium d) 免除保费
137. A $\mathrm{\$}50,000$$\mathrm{\$}50,000$$50,000\$ 50,000 whole life policy with a cash value of $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000 has been in force for 11 years. The policy owner is unable to continue the premium payments. Which of the following describes the Reduced Paid-Up non-forfeiture option?
137. 一份现金价值为 $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000 的 $\mathrm{\$}50,000$$\mathrm{\$}50,000$$50,000\$ 50,000 终身保险单已生效 11 年。保单持有人无法继续支付保费。以下哪项描述了减额交清非丧失选项？
a) The policy owner begins to receive $\mathrm{\$}200$$\mathrm{\$}200$$200\$ 200 monthly payments from the insurer that will continue for life
保单持有人开始从保险公司每月收到 $\mathrm{\$}200$$\mathrm{\$}200$$200\$ 200 的付款，这将持续终身
b) The policy is surrendered and the policy owner is paid $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000 by the insurer
b) 保单被退保，保单持有人由保险公司支付 $\mathrm{\$}10,000$$\mathrm{\$}10,000$$10,000\$ 10,000
c) The cash value is used to purchase a $\mathrm{\$}50,000$$\mathrm{\$}50,000$$50,000\$ 50,000 term policy that is paid-up for 10 years
现金价值用于购买一份 $\mathrm{\$}50,000$$\mathrm{\$}50,000$$50,000\$ 50,000 的定期保险，已缴费 10 年
d) The cash value is used to purchase a $\mathrm{\$}20,000$$\mathrm{\$}20,000$$20,000\$ 20,000 paid-up policy
d) 现金价值用于购买一份 $\mathrm{\$}20,000$$\mathrm{\$}20,000$$20,000\$ 20,000 交清保单
138. What would we call a representation which fails to correspond with its stipulations or assertions?
138. 我们会称什么样的表述为未能与其规定或主张相符的表述？
a) Fatal 致命的
b) Fraud 欺诈
c) Frivolous c) 无聊的
d) False d) 错误
139. The adjustments that an insurer makes in a cash value account in a universal life policy each time a payment is made includes all of the following, EXCEPT:
139. 保险公司在每次付款时对万能寿险的现金价值账户所做的调整包括以下所有内容，除了：
a) Subtract from mortality and general expense charges
从死亡率和一般费用中扣除
b) Add the current interest
b) 添加当前利息
c) Subtract the policy surrender charges
c) 扣除保单退保费用
d) Add the current premium paid
d) 添加当前支付的保费
140. Under Social Security, the definition of disability is the inability to engage in:
在社会保障下，残疾的定义是无法从事：
a) An approved occupation
经批准的职业
b) An activity with a given level of compensation
b) 一项具有特定报酬水平的活动
c) Any substantial gainful activity
c) 任何实质性的有利活动
d) The person’s chosen career
d) 该人选择的职业
141. All are group disability income underwriting factors, EXCEPT:
141. 所有都是团体残疾收入承保因素，除了：
a) Age and gender composition of the group
a) 该组的年龄和性别构成
b) Location of the insured business
被保险业务的地点
c) Length of the elimination period
c) 消除期的长度
d) Length of the probationary period
d) 试用期的长度
142. What maximum time period does the insure have to pay claims after adequate proof of loss has been received?
142. 保险公司在收到充分的索赔证明后，最多需要多长时间支付索赔？
a) 15 days 15 天
b) 30 days b) 30 天
c) 45 days c) 45 天
d) 40 days d) 40 天
143. The insured’s policy has a deductible that is applied between the exhaustion of basic plan limits and the commencement of excess coverage. This is called a:
143. 被保险人的保单有一个免赔额，该免赔额适用于基本计划限额耗尽与超额保障开始之间。这被称为：
a) Family deductible 家庭免赔额
b) Per cause deductible b) 按原因可扣除
c) Corridor deductible 走廊免赔额
d) Stop-loss limit 止损限额
144. What makes up the entire contract in a life insurance policy?
144. 人寿保险合同的全部内容包括什么？
a) The policy, and when attached, the application
a) 政策，以及附上的申请
b) The policy, and any sales literature presented by the agent of the policy holder
b) 该政策及由保单持有人的代理人提供的任何销售资料
c) The policy, the application, and any verbal understandings
c) 政策、申请和任何口头理解
d) The policy by itself, but never the application
d) 仅政策本身，但绝不包括申请
145. What maximum time period does the insurer have to accept or deny claims after adequate proof of loss has been received?
145. 保险公司在收到充分的损失证明后，最多有多长时间来接受或拒绝索赔？
a) 15 days 15 天
b) 30 days b) 30 天
c) 45 days c) 45 天
d) 40 days d) 40 天
146. When does the license of a life agent become inactive?
146. 生命代理的执照何时变为不活跃？
a) When the agent is not transacting with the general public
当代理人不与公众交易时
b) When the agent is not currently appointed by an insurer, but renewal fees are paid and continuing education requirements have been met
b) 当代理人目前未被保险公司任命，但续费已支付且继续教育要求已满足时
c) When the license passes its renewal date
c) 当许可证超过其续期日期时
d) When the appointment agreement time period expires
d) 当任命协议的时间期限到期时
147. While an insurer is paying the premium for a life insurance policy under the waiver of premium rider:
147. 当保险公司根据免缴保费附加条款支付人寿保险保费时：
a) The insurer is named as the primary beneficiary
a) 保险公司被指定为主要受益人
b) The cash value does not increase
b) 现金价值没有增加
c) The dividend payments cease
c) 股息支付停止
d) The policy remains in full force in every respect
该政策在各个方面仍然有效
148. Medicare Part A provides coverage for all of the following, EXCEPT:
148. 医疗保险 A 部分提供以下所有内容的覆盖，除了：
a) Home health care 家庭医疗护理
b) Hospice 临终关怀
c) Hospitalization 住院
d) Physicians services 医生服务
149. Which of the following is not allowed by code in connection with the sale of Medicare Supplement policies?
149. 以下哪项在与销售医疗保险补充政策时不被法规允许？
a) Offer only core benefits
仅提供核心福利
b) Offer only broader plans
b) 仅提供更广泛的计划
c) Offer core plans as a stand-alone or offer core plans along with broader plans
c) 提供核心计划作为独立选项或与更广泛的计划一起提供核心计划
d) Both $A$$A$AA and $B$$B$BB are not allowed
d) $A$$A$AA 和 $B$$B$BB 都不被允许
150. Part I of the Workers’ Compensation Policy covers payments the employer (insured) must pay:
150. 工人赔偿政策的第一部分涵盖雇主（被保险人）必须支付的款项：
a) Under Workers’ Compensation law
根据工人赔偿法
b) To bring the work environment up to state safety codes
b) 使工作环境符合国家安全标准
c) To cover common law exposures
c) 以覆盖普通法风险
d) To coordinate with HMO coverage
d) 与 HMO 保险协调