1. Alan had a funeral policy to the amount of R50 000. He died whilst walking along railway tracks, whereafter he was knocked down by a train. The insurer refuses to settle the claim, arguing that Alan was acting illegally in trying to cross the railway track, which is regarded as a criminal offence as this was not a place where there was a pedestrian crossing. Choose the correct statement. a. The insurer is acting within their rights to reject the claim as a result of the alleged criminal offence committed, provided this is mentioned in their terms. b. The insurer is not allow to exempt themselves of liability in terms of the Policyholder Protection Rules. c. A criminal offence is regarded as an automatic rejection of a claim in terms of legislation. d. The insurer can impose a fine on the deceased estate, but has to settle the claim. e. None of the above

2. Joe is one of your long standing clients. He travels quite a lot overseas, as he is a marketing executive for a large international company. He dropped in early this morning at your office on his way to the airport. He wanted to see you as he would like to insure a car which he recently bought for his daughter to drive to varsity. He will still be the owner and payer of the premium. Because of the haste which Joe was in, you merely had him sign the necessary forms, confirming that you would complete these later on as you have all his details. Choose the correct statement. a. This is a general issue which arises in a lot of cases. As a result of the longstanding relationship between you and Joe, the request is not unreasonable and not a problem. b. As long as the necessary information is completed on all forms, and sent to Joe via email to double check, then no contravention of any rule would have been broken. c. You should ensure that the forms are completed and emailed to Joe for signature. d. Joe will not be able to complete and/or sign the forms, as his daughter is the regular driver and should consequently sign all forms. e. None of the above

3. Lilly and James are in a permanent life partnership. They moved in together 2 years ago. Lilly has comprehensive insurance over her household goods to the value of R200 000. Choose the correct statement. a. If Lilly and James had a break in, where goods were stolen, only Lillys goods will be covered. b. If Lilly and James had a break in, where goods were stolen, any goods will be covered, to the value of R200 000. c. If Lilly and James had a break in, where goods were stolen, goods will be covered only if specified in the agreement. d. If Lilly and James had a break in, where goods were stolen, it would have to be proved, what was stolen and to whom the goods belong to. e. None of the above