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Passtrak Life And Health Insurance License Exam Manual: Life and Health Insurance

Passtrak Life And Health Insurance License Exam Manual: Life and Health Insurance,9780793144754
Edition:
5th
Author(s):
Dearborn Staff
ISBN13:

9780793144754

ISBN10:
0793144752
Format:
Paperback
Pub. Date:
7/30/2001
Publisher(s):
Dearborn Trade Pub
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List Price: $30.00

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Summary

This course surveys life and health insurance principles and concepts common to all state producer licensing exams, giving students the relevant information they need to help pass the exam on the first try. The text is intended as a comprehensive introduction to life and health insurance. Topics include insurance contracts, life insurance policies, premiums and proceeds, underwriting and policy issue, group life insurance, annuities, retirement plans, health providers and Medicare, medical expense insurance, disability income insurance, accidental death and disability insurance, health insurance policy provisions, health insurance policy underwriting and premiums. The text features interactive learning aids that enhance the userbs understanding of key concepts and improve retention. Hundreds of questions with rationales and a final exam are also included within the text.

To accurately prepare for the state licensing exam, Dearborn strongly recommends studying this License Exam Manual with the appropriate State Law Guide.

Table of Contents

Acknowledgments ix
Introduction xi
How to Use the License Exam Manual xiii
Part One: Principles of Life and Health Insurance 1(60)
Purpose of Life and Health Insurance
3(16)
The Role of Insurance
4(1)
An Industry Overview
4(2)
The Nature of Insurance
6(2)
The Concept of Risk
8(3)
Elements of Insurable Risk
11(1)
Economic Basis of Life and Health Insurance
12(1)
Summary
12(1)
Key Concepts
13(6)
The Insurance Industry
19(22)
Types of Insurers
20(4)
How Insurance Is Sold
24(3)
Regulation of the Insurance Industry
27(9)
Summary
36(1)
Key Concepts
36(5)
Law and the Insurance Contract
41(20)
General Law of Contracts
41(3)
Special Features of Insurance Contracts
44(7)
Agents and Brokers
51(3)
Other Legal Concepts
54(2)
Summary
56(1)
Key Concepts
56(5)
Part Two: Principles of Life Insurance 61(244)
Life Insurance Policies
63(40)
Categories of Life Insurance
64(1)
Term Life Insurance
65(5)
Whole Life Insurance
70(7)
Endowment Policies
77(4)
Special Use Policies
81(4)
Nontraditional Life Policies
85(9)
Summary
94(1)
Key Concepts
95(8)
Life Insurance Policy Provisions, Options and Riders
103(30)
Rights of Policy Ownership
103(1)
Standard Policy Provisions
104(9)
Policy Exclusions
113(1)
Nonforfeiture Values and Options
114(3)
Policy Dividends
117(3)
Policy Riders
120(5)
Summary
125(1)
Key Concepts
126(7)
Life Insurance Beneficiaries
133(18)
Who Can Be a Beneficiary?
134(2)
Types of Beneficiary Designations
136(5)
Special Situations
141(3)
Summary
144(1)
Key Concepts
144(7)
Life Insurance Premiums and Proceeds
151(28)
Life Insurance Premiums
152(1)
Primary Factors in Premium Calculations
152(6)
Level Premium Funding
158(5)
Life Insurance Policy Proceeds
163(5)
Tax Treatment of Proceeds
168(3)
Summary
171(1)
Key Concepts
172(7)
Life Insurance Underwriting and Policy Issue
179(24)
The Purpose of Underwriting
179(2)
The Underwriting Process
181(7)
Field Underwriting Procedures
188(7)
Policy Issue and Delivery
195(3)
Summary
198(1)
Key Concepts
198(5)
Group Life Insurance
203(16)
Principles of Group Insurance
204(1)
Features of Group Insurance
204(1)
Eligible Groups
205(2)
Group Life Insurance
207(4)
Other Forms of Group Life Coverage
211(3)
Summary
214(1)
Key Concepts
214(5)
Annuities
219(22)
Purpose and Function of Annuities
220(2)
Annuity Basics
222(1)
Structure and Design of Annuities
222(11)
Income Taxation of Annuity Benefits
233(1)
Uses of Annuities
234(2)
Summary
236(1)
Key Concepts
236(5)
Social Security
241(16)
Purpose of Social Security
241(1)
Social Security Coverage
242(2)
How Social Security Benefits Are Determined
244(3)
Types of OASDI Benefits
247(5)
Summary
252(1)
Key Concepts
252(5)
Retirement Plans
257(26)
Qualified vs. Nonqualified Plans
258(1)
Qualified Employer Retirement Plans
259(7)
Qualified Plans for the Small Employer
266(2)
Individual Retirement Plans
268(9)
Summary
277(1)
Key Concepts
277(6)
Uses of Life Insurance
283(22)
Determining Proper Insurance Amounts
283(4)
Individual Uses for Life Insurance
287(3)
Business Uses for Life Insurance
290(9)
Summary
299(1)
Key Concepts
300(5)
Part Three: Principles of Health Insurance 305(192)
Introduction to Health Insurance
307(12)
Basic Forms of Health Insurance Coverage
308(1)
How Health Insurance Is Purchased
309(1)
Characteristics of Health Insurance
310(3)
Summary
313(1)
Key Concepts
313(6)
Health Insurance Providers
319(14)
Commercial Insurance Providers
320(1)
Service Providers
320(3)
Government Insurance Programs
323(2)
Alternative Methods of Providing Health Insurance
325(2)
Summary
327(1)
Key Concepts
328(5)
Medical Expense Insurance
333(18)
Purpose of Medical Expense Insurance
333(1)
Basic Medical Expense Plans
334(4)
Major Medical Expense Plans
338(7)
Other Types of Medical Expense Coverage
345(1)
Summary
346(1)
Key Concepts
346(5)
Disability Income Insurance
351(16)
Purpose of Disability Income Insurance
352(1)
Disability Income Benefits
352(5)
Disability Income Policy Provisions
357(3)
Disability Income Policy Riders
360(1)
Summary
361(1)
Key Concepts
362(5)
Accidental Death and Dismemberment Insurance
367(10)
Nature of AD&D Policies
367(1)
AD&D Benefits
368(1)
Other Forms of AD&D
369(1)
Summary
370(1)
Key Concepts
371(6)
Government Health Insurance Programs
377(12)
Original Medicare Plan
378(2)
Medicare+Choice Program
380(2)
Medicaid
382(1)
State Workers' Compensation Programs
383(1)
Summary
384(1)
Key Concepts
384(5)
Private Insurance Plans for Seniors
389(16)
Medicare Supplement Policies
390(2)
Long-Term Care Policies
392(4)
LTC Policy Provisions and Limits
396(3)
Summary
399(1)
Key Concepts
400(5)
Health Insurance Policy Provisions
405(20)
NAIC Model Health Insurance Policy Provisions
406(7)
Common Exclusions or Restrictions
413(2)
Renewability Provisions
415(1)
Summary
416(1)
Key Concepts
417(8)
Health Insurance Underwriting and Premiums
425(18)
Risk Factors in Health Insurance
426(3)
Health Insurance Premium Factors
429(2)
Tax Treatment of Health Insurance Premiums and Benefits
431(4)
Managed Care
435(2)
Summary
437(1)
Key Concepts
437(6)
Group Health Insurance
443(18)
Nature of Group Health Insurance
444(3)
Group Health Insurance Coverages
447(7)
Tax Treatment of Group Health Plans
454(1)
Summary
455(1)
Key Concepts
456(5)
Uses of Health Insurance
461(12)
A Proper Health Insurance Program
462(1)
Individual Needs for Health Insurance
462(2)
Business Needs for Health Insurance
464(3)
Summary
467(1)
Key Concepts
467(6)
Final Exam
473(24)
General Principles
474(3)
Principles of Life Insurance
477(6)
Principles of Health Insurance
483(6)
General Principles Answers & Rationale
489(2)
Principles of Life Insurance Answers & Rationale
491(3)
Principles of Health Insurance Answers & Rationale
494(3)
Glossary 497(22)
Appendix 519(36)
Index 555


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