題目與答案

@@ every agent licensed in Virginia must report a change of residential or business mane or address in writing to the commission within 30 days .

@@在弗吉尼亞州獲得許可的每個代理必須在30天內以書面形式向委員會報告的住宅或商業鬃毛或地址的變更。

@@ social security is an entitlement program not a welfare program.

@@社會保障是一種權利的程序不是福利計劃。

@@ any cash value life insurance policy that develops cash value faster than a seven-pay whole life contract is called a modified endowment contract.it loses the benefits of a standard life contract.

@@，開發現金價值超過七付出一生的合同快被稱作修改養老contract.it失去生活標準合同的好處任何現金價值壽險保單。

@@ a qualified retirement plan entitles the owner to tax benefits .in order for a retirement plan to be qualified,certain federal requirements must be met.

@ @ 合格的退休計畫有權擁有者稅收秩序加以限定的退休計畫的好處，必須滿足某些聯邦的要求。

@@ the new policy continues to build its own cash value and will remain in forced untill the insured's death or maturity.

@ @ 新政策繼續建立它自己的現金價值, 並將留喺焗直到被保險人的死亡或到期。

@@ deferred annuities are often used to accumulate retirement funds that grow tax deferred income payments however begin sometime after one year from the date of the annuity purchase.

@@延期年金通常用於存放然而成長稅收遞延收益金開始一段時間後一年，從年金購買之日起退休基金。

@@ the four essential elements of all legal contracts are offer and acceptance consideration competent parties and legal purpose.

@@所有法律合同的四個基本要素是要約和承諾的考慮資格人員和法律的目的。

@@ all admitted insurers must be a member of the life accident and sickness insurance guaranty association as condition of their license the association is in existence to protect policyowner and beneficiaries against losses cause by the insolvency of an insurance company

@@承認所有保險公司必須在生活中意外和疾病保險保障協會作為其許可證條件的關聯是存在由保險公司破產保護policyowner和受益人不受損失的原因中的一員

@@ consideration is the value offered by the insured to the insurer, and vice versa the insured makes accurate statements in the application and remits premium payments in exchange,the insurer provides benefits as stipulated in the contract.

@@考慮的是被保險人提供給保險人的價值，反之亦然投保人使得在應用準確的表述和交流中匯支付保費的，保險人提供好處，合同規定。

js retirement plan meets all federal requirements and entitles him to certain tax benefits as the owner of the plan ,what term best describes js retirement plan? a*- unqualified b*- variable c*- deferred d*- qualified @d

js 的退休規劃符合所有聯邦的要求和他享有一定的稅收優惠，作為計畫，最好什麼詞描述了 js 退休計畫的擁有者？ *-不合格 b *-變數 c *-延期 d *-合格

which of the following accurately compares and personal life insurance? @ both create an immediate payment upon the death of the insured.

下列哪些比較準確和個人生活保險？ @雙方創建於被保險人死亡的直接付款。

if a life insurance policy develops cash value faster than a sever-pay whole life contract ,it is @ a modified endowment contract.

如果壽險保單發展現金價值比快斷絕，支付一生的合同，這是 @修改後的養老合同。

@@ group contracts are owned by the group not by the insureds .

@集體合同由本集團所擁有不是由被保險人。

@@ the department may impose a civil penalty of up to $5000 for each separate violation.

總署可能會加達 5000 美元，為每個單獨的違反民事處罰。

@@ aqualified plan is approved by the IRS which the employee benefits in deductiblity of contribution and tax deferral of growth.

@@ aqualified計劃是由國稅局在其中的貢獻deductiblity和增長的稅收遞延的員工福利批准。

@@ a qualified annuity permits an employer or individual the opportunity to use contributions to the as a tax deduction in addition in in addition the income earned by the contribution whole in the plan accurnutates income tax-free, the money is not taxed until withdrawn from the plan.it is then taxed at the current rate.

@@一個合格的年金允許雇主或個人除了使用貢獻，作為另外一個稅前扣除的機會，貢獻整體計劃賺取收入accurnutates收入免稅，不徵稅的錢，直到提取自該plan.it然後在當前的稅率徵稅。

@@ once the cash surrender value is paid the contract is over.

@@一旦退保現金價值支付合同已經結束。

@@ anytime a new policy is issued that replaces or modifies existing insurance a replacement form must be submitted to the ceding company.

@@任何時候一個新的政策出台，取代或現有保險的替代形式的修改必須提交分出公司。

@@ both business and personal life insurance pay an immediate death benefit.

@@企業和個人壽險支付立即死亡的好處。

@@ premiums are determined by the age sex and occupation of the entire group.

@@保費是由整個群體的年齡，性別和職業決定的。

@@ an insurance company may contest payment of a claim on the basis of a material misstatement of facts or concealment of a material fact no later than 2 years after the policy became effective.

@@保險公司不遲於2年後的政策生效資格報名付款重大事實的事實或隱瞞的重大錯報的基礎上，提出索賠的。

@@ insurance is the transfer of the possibility of a loss (risk) to an insurance company, which in turn spreads the costs only a small number of those insured will actall suffer a loss insurance redistributes the financial consequences of individual losses to all persons insured.

@@保險損失（風險）到保險公司，從而傳播的費用只有少數參保者將actall遭受損失保險再分配的個人損益的金融後果投保的所有人的可能性轉移。

@@ in a unilateral contract, only one of the parties to the parties to the contract is legally bound to do anything.the insured makes no legally binding promises however an insurer is legally bound to pay losses covered by a policy in force.

@@在單邊合同，只有當事人雙方在合同中的一個在法律上做什麼保險是沒有法律約束力的承諾，但保險人在法律上要通過武力政策所涉及的損失。

all of the following are characteristics of group life insurance except @premiums are determined by the age sex and occupation of each individual

以下全部是除團體壽險的特點 @premiums由每個人的年齡，性別，職業確定

which of the following would provide an underwriter with information concerning an applicant's health history? @ the medical information bureau

以下哪一個將會提供審核員關於申請人的健康歷史資料? @ 醫療資訊局

all of the following are true of group life insurance except. a -- premium rates are based upon the average age,gender and purpose of the group. b-- when the insured terminates membership in the group the coverage can be converted to whole life. c-- the insureds each own their own contract. d-- evidence of Insurability is usually not required. @ c

以下哪個是對的在團體人壽保險 除了 一個 - 保險費率是基於組的平均年齡，性別和目的。 b - 當被保險人組中的成員資格終止的覆蓋範圍可轉化為生活的全部。 Ç - 每個被保險人擁有自己的合同。 ð - 通常不需要保性的證據。

which of the following is ture of a qualified plan? @it has a tax benefit for both employer and employee .

以下哪項是TURE一個合格的計劃？ @it有兩個雇主和僱員稅收優惠。

which of the following is a permissble reason for an insurance company to contest payment of a claim based on statements in the application? a*- the insured died too soon after applying for the policy. b*- the insurer has already paid out the expected amount of benefits for the year. c*- the application contains a correction. d*- the application contains material misstatements

以下哪項是一個允差原因，保險公司基於應用程序語句較量支付索賠？ A * - 被保險人申請政策後不久也去世了。 B * - 保險人已支付出效益預計金額為一年。 C * - 應用程序中包含的修正。 D * - 應用程序中包含重大錯報

all of the following benefits are available under social security except @ welfare benefits

以下所有的好處是，除了社會保障下提供 @福利

all of the following are consideration in an insurance policy expect. a*-the premium paid at the time of application. b*-the promise to pay covered losses. c*-the cash value in the policy. d*- the statements on the application.

以下所有的都在考慮保險政策的期望。 A * - 在申請時支付的溢價。 B * -the承諾支付所涉及的損失。 C *在政策-the現金價值。 D * - 應用程序的語句。

insurance contracts are unilateral in nature what does that mean? a*- the insured must make a promise of paying the premium. b*- all parties to the contract exchange something of value. c*- a promise is made only at the time of policy application. d*- only one party makes a promise. @ d

保險合同是單邊性質是什麼意思呢？ A * - 被保險人必須支付保費的承諾。 B * - 各方交換的合約有價值的東西。 C * - 一個承諾只在策略應用時作出。 D * - 只有一方做出承諾。

what does the life,accident and sickness insurance guaranty association guard against? a*- insurance fraud b*- double indemnity c*- rebating d*- insurer insolvency @@ d

做什麼對生命，意外和疾病保險保障協會後衛？ A * - 保險詐騙 B * - 雙倍賠償 C * - rebating D * - 保險公司破產

the purpose of the fair credit reporting ACT is to a*- protect the insurer from adverse selection. b*- ensure the consumers receive a copy of investigative consumer reports. c*- ensure coverage for all applicants. d*- protect consumers against the circulation of inaccurate or obsolete personal or financial information. @ d

公平信用報告法的目的是 A * - 防止逆向選擇保險公司。 B * - 確保消費者獲得的消費者調查報告的副本。 C * - 確保覆蓋所有申請人。 D * - 保護消費者免受不準確或過時的個人或財務信息的流通。

contracts that are prepared by one party and submitted to other party on a "take it or leave it " basis are classified as . a*- contracts of adhesion. b*- unilateral contracts. c*- aleatory contracts. d*- binding contracts. @ a

合同一方準備並提交到其他締約國對 "take 它或離開它 "作為分類依據。 *-合同。 b *-單方面的合同。 c *-射幸合同。 d *-具有約束力的合約。

In classifying a risk, the home office underwriting department will look at all of the following except @ applicant's past income

在分類一個風險保險公司審核部門將會審核以下除了甚麼 @申請人過去的收入

partners in business enter into buy-sell agreement to purchase life insurance which states that should one of them die prematurely,the other would be financially able to buy the interest of the deceased partner, what type of insurance policy may be used to fund this agreement? a*- term insurance only . b*- permanent insurance only. c*- universal life insurance only. d*- any form of life insurance. @@ d

在商業夥伴進入團購銷售協議，以購買人壽保險這應當其中一人過早死亡的狀態，其他的將是財政上能買到已故合夥人的利益，可以使用什麼類型的保險政策，該協議提供資金？ A * - 只有定期壽險。 B * - 只有永遠的保險。 C * - 只有萬能壽險。 D * - 任何形式的人壽保險。

in forming an insurance contract, when does acceptance usually occur? a*- when an insurer's underwriter approves coverage. b*- when an insurer delivers the policy. c*- when an insurer receives an application. d*- when an insured submits an application. @ a

在形成一份保險合同，什麼時候接受通常發生的？ *-當承保人的承銷商批准覆蓋。 b *-當保險人提供的政策。 c *-當保險人收到應用程式。 d *-當被保險人提交應用程式時。

how does insurance distribute the financial consequences of individual losses? a*- it transfers the risk to associates of the insured b*- it transfers the risk to a small number of persons insured. c*- it transfers the risk to all persons insured. d*- it retains the financial consequences.

如何分配保險個人損益的金融後果？ A * - 它轉移的風險，被保險人的同夥 B * - 它轉移風險少數被保險人的。 C * - 它轉移的風險，保險的所有人員。 D * - 它保留的財務後果。

which rule would apply if an agent knows an applicant is going to cash in an old policy and use the funds to purchase new insurance? a*- reinstatement rule. b*- conversion rule. c*- disclosure rule. d*- replacement rule @ d

如果代理知道申請人去舊政策的現金，用這筆資金購買新的保險，哪個規則會申請？ *-複職規則。 b *-轉換規則。 c *-披露規則。 d *-替換規則

which rule would apply if an agent knows an applicant is going to cash in an old policy any use the funds to purchase new insurance? @replacement rule

如果代理知道申請人是要兌現的舊政策的使用資金來購買新的保險哪個規則將適用？ @replacement規則

if a producer acts in violation of the insurance code,how much may he or she be fined for each intentional violation? a*-2500 b*-5000 c*-10000 d*-1000 @ b

如果生產者違反了保險法的行為，多少可能他或她被罰款每故意違規？

If a retirement plan or annuity is qualified this means a *- it has favorable tax treatment

如果退休計劃或年金有資格這樣的手段 A * - 它擁有優惠的稅收待遇

the commission finds that a licensee knowingly acted separate occasions what is the maximum fine that the person would have to pay? a*- $ 15000 b*- $ 5000 c*- $ 8000 d*- $ 10000 @@ d

委員會發現，持牌人知情的情況下採取行動，不同場合人將不得不支付的最高罰款是什麼？ *-$ 15000 b *-$ 5000 c *-$ 8000 d *-$ 10000

under which nonforfeiture option does the pay the surrender value and have no further obligation to the policyowner ? @cash surrender

根據該nonforfeiture選項不支付的退保價值，並沒有進一步的義務的policyowner？ @cash投降

a whole life policy is surrendered for a reduced-paid up policy .the cash value in the new policy will a*- remain the same . b*- decrease over time . c*- reduce to the pay-surrender value . d*- continue to increase. @ d

終身壽險投降為減-繳足政策. the 現金價值喺新嘅政策將 *-保持不變。 B *-降低隨著時間的推移。 c *-減的薪酬退保現金價值。 d *-繼續增加。 @ d

@@ to be eligible for a tax-free rollover the distribution must be reinvested in an IRA within 60 days following the distribution and the plan participant must not take actual physical receipt of the distribution unless the entire amount is rolled over the part retained will be taxed as ordinary income.

除非整個量輾過保留將部分@@才有資格分配和計劃參與者必須不採取實際的物理收據分佈如下免稅側翻分配必須以愛爾蘭共和軍在60日內進行再投資作為徵稅普通收入。