Insurance Concepts Exam 2
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Insurance Concepts Exam 2
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25 Questions

1. A type of short term insurance is
2. What is a characteristic of term life insurance?
3. Which of the following items is not a rating factor?
4. An insurance agent who sells the products of only one insurance company is a(n)
5. Females tend to outlive males.
6. Risk managers can discover previously unidentified loss exposures from on-site inspections.
7. What is the type of insurance which pays for workers hurt in the course and scope of duty?
8. Insurance is available for intentional torts such as slander.
9. The degree of risk is essentially the same concept as the chance of loss.
10. Which of the following is not one of the three main types of life insurance?
11. Most of the premiums collected by auto insurance companies:
12. Insurance policies combining property and casualty coverage in the same contract are called
13. Few medical doctors have to worry about being sued for negligent behavior.
14. Homeowners should always pick a large deductible.
15. Individuals are not responsible for diseases spread by their pets.
16. The smaller the vehicle, the lower the death rate is in auto accidents.
17. Auto accident rates differ by age, gender and marital status.
18. The purchase of insurance is a common form of
19. Any loss specifically not covered by a policy is a(n)
20. Which if the following is not an exclusion under a health policy?
21. The primary objective of medical malpractice insurance policies is
22. Medical malpractice insurance usually provides for
23. Deductibles help lower the cost of insurance as well as increase its availability.
24. Better emergency room care has helped reduce auto accident deaths.
25. The primary loss that results from disability is typically the

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