life and health exam

An agent is ready to deliver a policy to an applicant but has not yet received payment. Upon delivery, the agent collects the applicant's premium check, answers any questions the applicant may have, and then leaves. What did he forget to do?

Ask her to sign a statement of good health

Which of the following is a generic consumer publication that explains life insurance in general terms in order to assist applicant in the decision making process?

Buyer's Guide

what phase begins after a new policy is delivered?

Free-look period

what to do when mistake is made on application

Start over with a fresh application

HIV

The applicant must give prior informed written consent

To comply with Fair Credit Reporting Act, when must a producer notify an applicant that a credit report may be requested?

at the time of the application

what document describes an insured's medical history, including diagnoses and treatments?

attending physician's statement

an insurance policy together with the policy application and any added riders form what is known as an

entire conract

Before an agent delivers a policy, the insurer makes a last-minute change to the policy. The agent informs the insured of this change, and he accepts it. In response, the agent must

have the insured sign a statement acknowledging that he is aware of the change

Under the Privacy Rule for HIPAA, protected information includes all individually identifiable health information

held or transmitted in any form

an applicant for a health insurance policy returns a completed application to her agent, along with a check for the first premium. she receives a conditional receipt two weeks later. which of the following has the insurer done by this point?

neither approved the application nor issued the policy.

what is true regarding obtaining underwriting sources?

the applicant must be informed of the sources contacted and how the information is being gathered

on a health insurance application, a signature is required from all of the following individuals except

the spouse of the Policyowner