Ohio Life Exam 11-44

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A rider, attached to a life insurance policy that provides coverage on the insured's family members is called the: 1) other-insured rider 2) change of insured rider 3) juvenile rider 4) payor rider

1) other-insured rider

If a cybersecurity event has occurred, licensees must maintain records of the incident for no less than: 1) 2 years 2) 5 years 3) 8 years 4) 10 years

2) 5 years

What does "liquidity' refer to in a life insurance policy? 1) the insured receives payments each month in retirement 2) cash values can be borrowed at any time 3) the death benefit replaces the assets that would have accumulated if the insured had not died 4) the policyowner receives dividend checks each year

2) cash values can be borrowed at any time

When the policyowner specifies a dollar amount in which installments are to be paid, he/she has chosen which settlement option? 1) extended term 2) fixed amount 3) fixed period 4) life income period certain

2) fixed amount

What method do insurers use to protect themselves against catastrophic losses? 1) pro rata liability 2) risk management 3) reinsurance 4) indemnity

3) reinsurance

What is the purpose of a free-look period in insurance policies? 1) it allows the insured 10 days to pay the initial premium 2) it allows the insurer to temporarily suspend coverage after an insured's disability 3) it allows the insurer to cancel coverage is a misrepresentation is discovered 4) it allows the insured to reject the policy with a full refund

4) it allows the insured to reject the policy with a full refund

Which of the following statements about the reinstatement provision is true? 1) it permits reinstatement within 10 years after a policy has lapsed 2) it provides for reinstatement of a policy of the insured's health 3) it guarantees the reinstatement of a policy that has been surrendered for cash 4) it requires the policyowner to pay all overdue premiums with interest before the policy is reinstated

4) it requires the policyowner to pay all overdue premiums with interest before the policy is reinstated

Insurance is a contract by which one seeks to protect another from: 1) exposure 2) uncertainty 3) hazards 4) loss

4) loss

Which of the following is a true comparison between annuities and life insurance? 1) both annuities and life insurance use mortality tables 2) annuities serve the same function as life insurance 3) both provide a lifetime income 4) neither annuities nor life insurance subject to income taxes

1) both annuities and life insurance use mortality tables

If an annuitant dies before annuitization occurs, what will the beneficiary receive? 1) either the amount paid into the plan or the cash value of the plan, whichever is the greater amount 2) either the amount paid into the plan or the cash value of the plan, whichever is the lesser amount 3) amount paid into the plan 4) cash value of the plan

1) either the amount paid into the plan or the cash value of the plan, whichever is the greater amount

If a life insurance policy develops cash value faster than a seven-pay whole life contract, it becomes a/an: 1) modified endowment contract 2) accelerated benefit policy 3) endowment 4) non qualified annuity

1) modified endowment contract

Regarding the free-look provision, the insurance company: 1) must allow the policyowner to return the policy for a full refund 2) cannot charge a premium after 10 days 3) must issue a free policy for 30/31 days 4) must issue a free policy for 10 days

1) must allow the policyowner to return the policy for a full refund

When çalculating the amount a policyowner may borrow from a variable life policy, what must be subtracted from the policy's cash value? 1) outstanding loans and interest 2) the face amount 3) mortality costs 4) the cash surrender amount

1) outstanding loans and interest

When a life insurance policy stipulates that the beneficiary will receive payments in specified installments or for a specified number of years, what provision prevents the beneficiary from changing or borrowing from the planned installments? 1) spendthrift provision 2) settlement option 3) accelerated benefit provision 4) loan provision

1) spendthrift provision

A viatical settlement is arranged between a viatical company and a/an: 1) terminally ill insured 2) insurance producer 3) beneficiary 4) lender

1) terminally ill insured

Which of the following would be sufficient violation to warrant rejection, revocation, or suspension of an insurance agent's license? 1) a moving violation ticket 2) a denied license in another state 3) acting as a fiduciary 4) an unintentional misrepresentation of the terms of a contract

2) a denied license in another state

All of the following are required to qualify for a resident license EXCEPT: 1) an applicant that has passed at least one examination 2) an applicant that is at least 21 years old 3) an applicant that has not committed any act that is a ground for the denial, suspension, or revocation of a license 4) an applicant that is of good reputation and character

2) an applicant that is at least 21 years old

How often are agents required to renew their insurance license? 1) every year 2) every 2 years 3) every 4 years 4) every 5 years

2) every 2 years

In a direct transfer, how is money transferred from one retirement plan to a traditional IRA? 1) from the original plan to the original custodian 2) from trustee to trustee 3) from trustee to the participant 4) from the participant to the new plan

2) from trustee to trustee

The insurer may suspect that a moral hazard exists if the policyholder: 1) always drivers over the speed limit 2) is not honest about his health on an application for insurance 3) is prone to depression 4) is indifferent to activities that may be dangerous

2) is not honest about his health on an application for insurance

Which of the following is NOT true regarding policy loans? 1) a policy loan may be repaid after the policy is surrendered 2) money borrowed from the cash value is taxable 3) policy loans can be repaid at death 4) an insurer can charge interest on outstanding policy loans

2) money borrowed from the cash value is taxable

Death benefits payable to a beneficiary under a life insurance policy are generally: 1) exempt from income taxation if over $10,000 2) not subject to income taxation by the Federal Government 3) subject to income taxation by the Federal Government 4) exempt from income taxation if under $10,000

2) not subject to income taxation by the Federal Government

Which of the following allows the insurer to relieve a minor insured from premium payments if the minor's parents have died or become disabled? 1) waiver of premium 2) payor benefit 3) humping juvenile 4) juvenile premium provision

2) payor benefit

Which of the following statements is correct about a standard risk classification in the same are group and with similar lifestyles? 1) standard risk is also known as high exposure risk 2) standard risk is representative of the majority of people 3) standard risk pays a higher premium than substandard risk 4) standard risk requires extra rating

2) standard risk is representative of the majority of people

Which of the following best describes taxation during the accumulation period of an annuity? 1) the growth is subject to immediate taxation 2) taxes are deferred 3) the annuity is subject to state taxes only 4) the annuity is subject to both state and federal taxation

2) taxes are deferred

An annuitant dies before the effective date of a purchased annuity. Assuming that the annuitant's wife is the beneficiary, what will occur? 1) the premiums will decrease 2) the interest will continue to accumulate tax deferred 3) the interest will become immediately taxable 4) the premiums will increase

2) the interest will continue to accumulate tax deferred

in terms of parties to a contract, which of the following does NOT describe a competent party? 1) the person must be mentally competent to understand the contract 2) the person must have at least completed secondary education 3) the person must not be under the influence of drugs or alcohol 4) the person must be of legal age

2) the person must have at least completed secondary education

Which of the following is the best reason to purchase life insurance rather than an annuity? 1) to liquidate a sum of money over a lifetime 2) to create an estate 3) to liquidate a sum of money over a period of years 4) to create regular income payments

2) to create an estate

75.An insured purchased a 15-year level term life insurance policy with a face amount of $100,000 The policy contained an accidental death rider. offering a double indemnity benefit. The insured was severely injured in an auto accident, and after 10 weeks of hospitalization, died from the injuries. How much will the beneficiary receive from the policy? 1) $0 2) $100,000 3) $200,000 4) $100,000 plus the total of paid premiums

3) $200,000

The maximum duration of a temporary license in this state is: 1) 30 days 2) 90 days 3) 180 days 4) 1 year

3) 180 days

What is the penalty for IRA distributions that are below the required minimum for the year? 1) 10% 2) 25% 3) 50% 4) 60%

3) 50%

If an insured changes the premium payment mode from monthly to annually, what happens to the total premium? 1) doubles 2) increases 3) decreases 4) stays the same

3) decreases

Which of the following is true regarding taxation of dividends in participating policies? 1) dividends are taxable in some life insurance policies and nontaxable in others 2) dividends are considered income for tax purposes 3) dividends are not taxable 4) dividends are taxable only after a certain amount is accumulated annually

3) dividends are not taxable

An insyred purchased an insurance policy 5 years ago, Last year, she received a dividend check from the insurance company that was not taxable. This year, she did not receive a check from the insurer. From what type of insurer did the insured purchase the policy? 1) nonprofit service organization 2) stock 3) mutual 4) reciprocal

3) mutual

In a survivorship life policy, when does the insurer pay the death benefit? 1) half at the first death, and half at the second death 2) if the insured survives to age 100 3) upon the last death 4) upon the first death

3) upon the last death

What is the waiting period on a Waiver of Premium rider in life insurance policies? 1) 30 days 2) 3 months 3) 5 months 4) 6 months

4) 6 months

Which of the following best describes a bail-out provision? 1) it waives the surrender charge for the annuitants confined to a long-term care facility 2) it allows the owner to receive a higher interest rate at certain timeframe 3) it decreases the annuity surrender value 4) it allows the owner to surrender the annuity without a charge

4) it allows the owner to surrender the annuity without a charge

Which of the following policies would be classified as a traditional level premium contract? 1) adjustable life 2) universal life 3) variable universal life 4) straight life

4) straight life

An applicant wants to buy a policy that has a cash value element. Which type should she buy? 1) permanent 2) stock 3) investment 4) term

4) term

What happens if a deferred annuity is surrendered before the annuitization period? 1) the owner will only receive a refund of premium 2) the insurer can only apply the surrender value toward another annuity 3) deferred annuities cannot be surrendered prior to the annuitization period 4) the owner will receive the surrender value of the annuity

4) the owner will receive the surrender value of the annuity

The hearing for a cease and desist order must occur within how many days of the order date? 1) 15 2) 30 3) 45 4) 60

1) 15

For how long is the certificate of prelicensing course completion valid? 1) 180 calendar days 2) 1 year 3) indefinitely 4) 90 calendar days

1) 180 calendar days

How many hours of continuing education must be completed in ethics? 1) 3 2) 5 3) 12 4) 2

1) 3

When J. applied for a life insurance policy, the agent informed him that a medical exam would be required. The exam may be completed by: 1) a paramedic or examining physician at the insurer's expense 2) the agent 3) a physician of the applicant's choice and at his expense 4) a home office underwriter

1) a paramedic or examining physician at the insurer's expense

Which of the following documents delivered to the policyowner includes information about premium amounts, cash values, surrender values and death benefits for specific policy years? 1) a policy summary 2) a notice regarding replacement 3) a privacy notice 4) a buyer's guide

1) a policy summary

What documentation grants express authority to an agent? 1) agent's contract with the principal 2) agent's insurance license 3) fiduciary contract 4) state provisions

1) agent's contract with the principal

Which of the following is NOT true regarding a Certificate of Authority? 1) it is issued to group insurance participants 2) it may be necessary for transacting business in a specific state 3) it is equivalent to an insurance license 4) it is issued by the state department of insurance

1) it is issued to group insurance participants

In a fixed :annuity, which of the following is true regarding the guaranteed interest rate on the investment? 1) the annuitant will receive the higher of either the guaranteed minimum rate or current rate 2) the annuitant will always receive the current interest rate 3) the annuitant will receive the lower of either the guaranteed minimum rate or current rate 4) the annuitant will only receive the guaranteed minimum specified in the contract

1) the annuitant will receive the higher of either the guaranteed minimum rate or the current rate

All of the following are true o of an annuity owner EXCEPT: 1) the owner must be the party to receive benefits 2) the owner pays the premium on the annuity 3) the owner has the right to name the beneficiary 4) the owner is the party who may surrender the annuity

1) the owner must be the party to receive benefits

Under what circumstances may a life insurance agent deliver a policy that is dated up to 6 months before the application was taken? 1) to avoid an increase in premium rate for the insured 2) to meet sales quotas established by the insurer 3) to make a policy effective during a period when he agent's appointment was in force 4) to shorten the period of contestability

1) to avoid an increase in premium rate for the insured

An insured owns a life insurance policy. To be able to pay some of her medical bills, she withdraws a portion of the policy's cash value. There is a limit for a withdrawal and the insurer charges a fee. What type of policy does the insured most likely have? 1) universal life 2) adjustable life 3) term life 4) limited pay

1) universal life

Under which of the following circumstances would an insurer pay accelerated benefits? 1) a couple wants to build a house and would like to make a larger down payment 2) an insured is diagnosed with cancer and needs help paying for her medical treatment 3) a couple is nearing retirement and needs a steady stream of income 4) an insured is looking for a way to put her daughter through college

2) an insured is diagnosed with cancer and needs help paying for her medical treatment

Which of the following types of agent authority is also called "perceived authority"? 1) fiduciary 2) apparent 3) express 4) implied

2) apparent

Which of the following provisions in annuity contracts allow the owner to surrender the annuity interest rates drop to a specified level? 1) annuitization 2) bail-out 3) surrender 4) nonforfeiture

2) bail-out

Which of the following is NOT allowed in credit life insurance? 1) creditor becoming a policy beneficiary 2) creditor requiring that a debtor buys insurance from a certain insurer 3) creditor having a collateral assignment on the policy 4) creditor requiring that a debtor has life insurance

2) creditor requiring that a debtor buys insurance from a certain insurer

An individual purchased a life insurance policy on his life naming his wife as primary beneficiary. and their daughter as contingent beneficiary. Under what circumstances could the daughter collect the death benefit? 1) if the insured dies from an accident 2) if the primary beneficiary predeceases the insured 3) the primary and contingent beneficiaries share death benefits equally 4) with the primary beneficiary's written consent

2) if the primary beneficiary predeceases the insured

If an insurer has fewer assets than liabilities and is unable to pay its financial obligations for at least 3 years, the insurer is considered: 1) nonadmitted 2) insolvent 3) suspended 4) bankrupt

2) insolvent

Pertaining to insurance, which of the following is an example of a producer's fiduciary responsibility? 1) offering additional coverage to insureds 2) promptly forwarding premiums to the insurance company 3) helping insureds to file claims 4) performing reviews of insured's coverage

2) promptly forwarding premiums to the insurance company

Which nonforfeiture option provides coverage for the longest period of time? 1) accumulated at interest 2) reduced paid-up 3) extended term 4) paid-up option

2) reduced paid-up

Which of the following authorities is responsible for assessing the financial ability of insurers? 1) national association of insurance commissioners 2) guaranty association 3) director 4) financial industry regulatory authority

3) director

An annuity owner is funding an annuity that will supplement her retirement. Because she does not know what effect inflation mav have on her retirement dollars. she would like a return that will equal the performance of the Standard and Poor's 500 Index. She would likely purchase a(n): 1) flexible annuity 2) immediate annuity 3) equity indexed annuity 4) variable annuity

3) equity indexed annuity

if a life policy allows the policyowner to make periodic additions to the face amount at standard rates, without proving insurability, the policy includes a: 1) cost of living provision 2) nonforfeiture option 3) guaranteed insurability rider 4) paid-up additions option

3) guaranteed insurability rider

Which of the following best describes annually renewable term insurance? 1) neither the premium nor the death benefit is affected by the insured's age 2) it provides an annually increasing death benefit 3) it is level term insurance 4) it requires proof of insurability at each renewal

3) it is a level term insurance

A married couple owns a permanent policy which covers both of their lives and pays the death benefit only upon the death of the first insured. Which policy is that? 1) second-to-die 2) family income policy 3) joint life policy 4) survivorship life policy

3) joint life policy

A couple owns a life insurance policy with a Children's Term rider. Their daughter is reaching the maximum age of dependent coverage, so she will have to convert to permanent insurance in the near future. Which of the following will she need to provide for proof of insurability? 1) her parent's federal income tax receipts 2) medical exam and parents' medical history 3) proof of insurability is not required 4) medical exam

3) proof of insurability is not required

All of the following are marketing arrangements used by insurers EXCEPT: 1) direct response marketing system 2) independent agency system 3) reinsurance system 4) general agency system

3) reinsurance system

In insurance policies, contract ambiguities are automatically ruled in the favor of the insured. What privilege does the insurer have in order to balance this? 1) the right to revoke the policy 2) the right to raise premiums as a result of court rulings 3) the right to determine the wording of a policy 4) the right to refute the rulings

3) the right to determine the wording of a policy

All of the following are true regarding the guaranteed insurability rider EXCEPT: 1) the insured may purchase additional insurance up to the amount specified in the base policy 2) it allows the insured to purchase additional amounts of insurance without proving insurability only at specified dates or events 3) this rider is available to all insureds with no additional premium 4) the insured may purchase additional coverage at the attained age

3) this rider is available to all insureds with no additional premium

The rider in a whole life policy that allows the company to forgo collecting the premium if the insured is disabled is called: 1) waiver of cost of insurance 2) payor benefit 3) waiver of premium 4) guaranteed insurability

3) waiver of premium

An IRA uses immediate annuities to pay out benefits; the IRA owner is nearly 75 years old when he decides to collect distributions. What kind of penalty would the IRA owner pay? 1) no penalties, since the owner is older than 59 1/2 2) 10% for early withdrawal 3) 15% for early withdrawal 4) 50% tax on the amount not distributed as required

4) 50% tax on the amount not distributed as required

Which of the following applicants could the insurer charge a higher rate of premium and not violate regulations regarding unfair discrimination? 1) an applicant who was born in another country 2) an applicant who is legally blind 3) an applicant who has been a victim of domestic abuse 4) an applicant who is a smoker

4) an applicant who is a smoker

Who can make a fully deductible contribution to a traditional IRA? 1) anybody; all IRA contributions are fully deductible regardless of income level 2) someone making contributions to an educational IRA 3) a person whose contributions are funded by a return on investment 4) an individual not covered by an employer-sponsored plan who has earned income

4) an individual not covered by an employer-sponsored plan who has earned income

A marred couple's retirement annuity pays them $250 per month. The husband dies and his wife continues to receive $125.50 per month for as long as she lives. When the wife dies, payments stop. What settlement option did they select? 1) joint annuity 2) cash refund annuity 3) straight life 4) joint and survivor

4) joint and survivor

If a settlement option is not chosen by the policyowner or the beneficiary, which option will be used? 1) life income 2) fixed period 3) fixed amount 4) lump sum

4) lump sum

Which part of an insurance application would contain information regarding the cause of death of the applicant's deceased relatives? 1) inspection report 2) agent's report 3) general information 4) medical information

4) medical information

Which option is being utilized when the insurer accumulates dividends at interest and then uses the accumulated dividends, plus interest, and the policy cash value to pay the policy up early? 1) accumulation at interest 2) paid-up additions 3) dividend accumulation option 4) paid-up option

4) paid-up option

Which of the following will be included in a policy summary? 1) copies of illustrations and application 2) comparisons with similar policies 3) primary and secondary beneficiary designations 4) premium amounts and surrender values

4) premium amounts and surrender values

After a request has been received for verification from a viatical settlement provider, an insurance company authorized to do business shall respond within

45 calendar days

Loans may generally be obtained against the cash value of a personal life insurance policy and policy loan proceeds

are not treated as taxable income

Interest earned on a traditional IRA is taxed ...

at distribution

What type of insurance is cheapest to pay off a 30 year mortgage?

decreasing term insurance

A whole life policy issued by a mutual insurer that provides a return of divisible surplus is called:

participating whole life insurance policy

A life insurance policy becomes effective when the...

premium is collected and the policy is issued

Which is an accurate description of the relationship between the premium of a whole life policy and the premium payment period?

the shorter the payment period, the higher the annual premium

At age 30, an applicant wants to start an insurance program, but realizing that his insurance needs will likely change, he wants a policy that can be modified to accommodate those changes as they occur. Which of the following policies would most likely fit his needs? 1) adjustable life 2) single premium whole life 3) interest-sensitive whole life 4) decreasing term

1) adjustable life

The Director issues a cease and desist order. A hearing is held in order to determine whether the order should be continued. After the hearing, the Director decides to continue the order. The agent wants to appeal this decision. Which of the following is true? 1) the order can be appealed 2) the order cannot be appealed, but the duration of the order can 3) there is not enough information to answer this question 4) the order cannot be appealed at this point, since it is the final order

1) the order can be appealed

All of the following are characteristics of group life insurance EXCEPT: 1) individuals covered under the policy receive a certificate of insurance 2) certificate holders may convert coverage to an individual policy without evidence of insurability 3) premiums are determined by the age, sex, and occupation of each individual certificate holder 4) amount of coverage is determined according to nondiscriminatory rules

3) premiums are determined by the age, sex and occupation of each individual certificate holder

To whom does the insurer certify that an appointee is competent, financially responsible, and suitable to represent them? 1) the commissioner 2) the governor 3) the director 4) the comptroller

3) the director

92.All of the following statements are true regarding installments for a fixed amount EXCEPT: 1) this option pays a specific amount until the funds are exhausted 2) the annuitant may select how big the payments will be 3) the payments will stop when the annuitant dies 4) value of the account and future earnings will determine the time period for the benefits

3) the payments will stop when the annuitant dies

All of the following are true about variable products EXCEPT: 1) the cash value is not guaranteed 2) policy owners bear the investment risk 3) the premiums are invested in the insurer's general account 4) the minimum death benefit is guaranteed

3) the premiums are invested in the insurer's general account

The risk management technique that is used to prevent a specific loss by not exposing oneself to that activity is called: 1) transfer 2) reduction 3) sharing 4) avoidance

4) avoidance

An insured receives an annual life insurance dividend check. What term best describes this arrangement? 1) reduction of premium 2) annual dividend provision 3) accumulation at interest 4) cash option

4) cash option

What provision in an insurance policy extends coverage beyond the premium due date? 1) free look 2) automatic premium loan 3) waiver of premium 4) grace period

4) grace period

Which of the following is usually true of a participating life insurance policy? 1) it may be converted to a term life policy 2) it pays dividends to stockholders 3) it assess premiums against stockholders 4) it pays dividends to policyowners

4) it pays dividends to policyowners

All of the following information about a customer must be used in determining annuity suitability, EXCEPT: 1) beneficiary's age 2) tax status 3) financial experience 4) annual income

1) beneficiary's age

A key person insurance policy can pay for which of the following? 1) costs of training a replacement 2) loss of personal income 3) workers compensation 4) hospital bills of the key employee

1) costs of training a replacement

Annuities can be used to fund which of the following? 1) estate creation 2) retirement plans 3) variable life insurance 4) group life insurance

2) retirement plans

An Adjustable Life policyowner can change which of the following policy features? 1) the insured 2) the coverage period 3) the mortality expense 4) the investment account

2) the coverage period

Based on Human Life Value Approach, which of the following is NOT used to calculate an individual's life value? 1) insured's annual expenses 2) effect of inflation on income over time 3) predicted needs of the family after the insured's death 4) insured's current and future income

3) predicted needs of the family after the insured's death

What is the tax consequence of amounts received from a Traditional IRA after the money was left in the tax-deferred account by the beneficiary? 1) income tax on distributions plus 10% penalty 2) capital gains tax on distributions and no penalty 3) capital gains tax on distributions plus 10% penalty 4) income tax on distributions and no penalty

4) income tax on distributions and no penalty

Stranger-originated life insurance policies are in direct opposition to the principle of: 1) law of large numbers 2) good faith 3) indemnity 4) insurable interest

4) insurable interest

An insured owns a term policy with a guaranteed renewable option. When the end of the policy draws near, the insured answers medical questions in order to prove insurability and qualifies for a discounted premium rate. Which option best describes this scenario? 1) preferred premium reduction 2) contract review 3) revision of consideration 4) re-entry

4) re-entry

During, the accumulation period in a nonqualified annuity, what are the tax consequences of a withdrawal? 1) nontaxable principal may be withdrawn first, but the 10% penalty will be imposed if under age 59 1/2 2) both interest and principal are taxed; no other penalties are imposed 3) neither interest nor principal is taxed, but penalties may be imposed 4) taxable interest will be withdrawn first and the 10% penalty will be imposed if under age 59 1/2

4) taxable interest will be withdrawn first and the 10% penalty will be imposed if under age 59 1/2

Which of the following would provide an underwriter with information concerning an applicant's health history? 1) a medical examination 2) the agent's report 3) the inspection report 4) the medical information bureau

4) the medical information bureau

How must a replacing producer respond to an applicant wishing to replace existing life Insurance? 1) the producer must collect the existing policies and turn them over to the replacing insurer 2) the producer must request the permission of the existing insurer 3) the producer has no specific duties 4) the producer must provide the applicant with a Notice Regarding Replacement

4) the producer must provide the applicant with a Notice Regarding Replacement

All of the following are characteristics of a group life insurance plan EXCEPT: 1) the participants receive a Certificate of Insurance as their proof of insurance 2) a minimum number of participants is required in order to underwrite the plan 3) the cost of the plan is determined by the average age of the group 4) there is a requirement to prove insurability on the part of the participants

4) there is a requirement to prove insurability on the part of the participants

When would a 20-pay whole life policy endow? 1) at the insured's age 65 2) after 20 payments 3) in 20 years 4) when the insured reaches age 100

4) when the insured reaches age 100


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