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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions (Q14-Q19):

NEW QUESTION # 14
What is the difference between deferred annuities and immediate annuities?

A. Deferred annuities have no surrender charges.
B. Deferred annuities have longer accumulation periods.
C. Deferred annuities have longer liquidation periods.
D. Deferred annuities cover more lives.

Answer: B

Explanation:
Deferred Annuities: These are designed to accumulate funds over a period before payments begin. The accumulation phase can last for many years, depending on the terms of the contract.
Immediate Annuities: These start payment almost immediately after a lump sum is deposited. There is no significant accumulation period as the focus is on the immediate payout.
Key Difference: The main difference lies in the accumulation period-deferred annuities have a long phase where funds are invested and grow, while immediate annuities begin disbursing payments right away.
References: California Insurance Code Section 10171.1 details the regulations and definitions regarding annuities, including deferred and immediate annuities.

NEW QUESTION # 15
The primary objectives of insurance regulation include all of the following EXCEPT

A. interpret policy provisions.
B. consumer protection.
C. rate regulation.
D. solvency surveillance.

Answer: A

Explanation:
The primary objectives of insurance regulation include rate regulation (A), consumer protection (B), and solvency surveillance (C). These objectives are focused on ensuring fair pricing, protecting consumers from unfair practices, and maintaining the financial stability of insurers. However, interpreting policy provisions (D) is generally not an objective of insurance regulation. Instead, interpretation of policy provisions is typically handled by courts or through arbitration if disputesarise.

NEW QUESTION # 16
After the deductible is satisfied, what percentage of a reasonable charge does Medicare Part B pay?

A. 20%
B. 40%
C. 80%
D. 100%

Answer: C

Explanation:
Medicare Part B covers outpatient medical services, including doctor visits, preventive services, and medical equipment. After the deductible is satisfied, Medicare Part B typically pays 80% of the reasonable charge for covered services, while the beneficiary is responsible for the remaining 20% coinsurance. This cost-sharing structure helps manage the out-of-pocket expenses for beneficiaries while providing substantial coverage for medical needs. The specifics of these payments are detailed in the Medicare guidelines and the California Department of Insurance documentation.

NEW QUESTION # 17
Which life insurance feature allows an insured to exchange a term policy for a cash value policy?

A. Convertibility
B. Renewability
C. Reentry
D. Incontestability

Answer: A

Explanation:
Convertibility Feature: Convertibility is a provision in term life insurance policies that allows the policyholder to convert the term policy into a permanent cash value policy without providing evidence of insurability.
Purpose: This feature is beneficial for those who may want to extend their coverage or build cash value over time.
Policy Details: The conversion option is usually available within a specific period and under certain conditions as specified in the original term policy.
Regulatory Reference: The California Insurance Code provides guidelines on policy features, including convertibility, ensuring consumer protection and clear policy terms.

NEW QUESTION # 18
For income tax purposes, premiums for personal life insurance are

A. tax deferred.
B. not deductible.
C. excluded from the adjusted gross income.
D. deductible to the extent that they exceed 7.5% of the adjusted gross income.

Answer: B

Explanation:
For income tax purposes, premiums for personal life insurance are B. not deductible.
* Tax Deductibility: Under the Internal Revenue Code and California state tax laws, premiums paid for personal life insurance are not tax-deductible.
* Reasoning: This is because personal life insurance premiums are considered a personal expense, and personal expenses are generally not deductible.
* Exceptions: The only exceptions where life insurance premiums might be deductible are in the case of life insurance purchased as part of a business expense or in specific cases involving charitable contributions where the life insurance policy is donated to a charity.
* IRS Guidelines: The IRS Publication 535 (Business Expenses) and California's Franchise Tax Board regulations provide clarity that premiums for personal life insurance do not qualify for tax deductions.

NEW QUESTION # 19
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