Test Help for California

[on1sony]

I can't find the answers to 2 test questions... can you help?

which of the following is permitted in the marketing of LTC insurance in california?
1) excluding preexisiting conditions not disclosed on app
2) cold lead advertising
3) post claims underwriting
4) field issued policies


Under a per diem vs reimbursement LTC policy, which of the following is false?
1)the insured is more likely to have the entire policy benefit prior to death
2)the insured is more likely to have some of the benefits considered taxable
3)the benefit period is more likely to be shorter
4)the insured is more likely to have to keep records of LTC expenses.

 

[JRoot]

Re: test help... california

I can't find the answers to 2 test questions... can you help?

which of the following is permitted in the marketing of LTC insurance in california?
1) excluding preexisiting conditions not disclosed on app
2) cold lead advertising
3) post claims underwriting
4) field issued policies


Under a per diem vs reimbursement LTC policy, which of the following is false?
1)the insured is more likely to have the entire policy benefit prior to death
2)the insured is more likely to have some of the benefits considered taxable
3)the benefit period is more likely to be shorter
4)the insured is more likely to have to keep records of LTC expenses.

I'm gonna tell your teacher you're cheating!

I'll take a shot...

Tricky worded answer for the 1st one. I know if you don't disclose preexisting conditions, then they can deny benefits. I don't know what cold lead advertising is. You can't issue policies in the field and it's illegal to do post claims underwriting. Not sure what the answer has to do with marketing though.

Per Diem policies are being sold? lol. I know it pays a fixed amount and anything over what's actually used is taxable so I choose #2.