12:02 PM Fri Jul 31 91 37% 41. Which of the following is not a factor in determining the suitability of a long-term care policy placement? a. the producer's previous experience with the consumer ob. the consumer's ability to pay for the product c. the consumer's goals and objectives with regard to long-term care od. the disadvantages of using insurance to meet the consumer's objectives 42. Charles is a top producer at his company. He is careful to question his customers about their needs, desires, and objectives. He is also careful to accurately collect this information and to review the data collected before making any product recommendations. Which of the following sales techniques is Charles engaging in? O a. one-on-one marketing b. up-selling c. needs-based selling O d. soft selling 43. All of the following should definitely be disclosed to a prospect in the process of selling an insurance policy EXCEPT: O a. the consequences of early policy surrender b. the buyer's privacy rights c. the policy's cancelation provisions O d. the number of similar policies the producer has previously placed 44. Sally was covered under her employer's group long-term care insurance policy for one year at the time the policy was replaced by another group long-term care insurance policy. Both policies have a six-month exclusion of pre-existing conditions. Since Sally has a pre-existing condition, when can she expect her certificate under the new replacement policy to provide coverage for it? a. after six months b. after four months c. after two months O d. immediately 12:02 PM Fri Jul 31 91 37% 41. Which of the following is not a factor in determining the suitability of a long-term care policy placement? a. the producer's previous experience with the consumer ob. the consumer's ability to pay for the product c. the consumer's goals and objectives with regard to long-term care od. the disadvantages of using insurance to meet the consumer's objectives 42. Charles is a top producer at his company. He is careful to question his customers about their needs, desires, and objectives. He is also careful to accurately collect this information and to review the data collected before making any product recommendations. Which of the following sales techniques is Charles engaging in? O a. one-on-one marketing b. up-selling c. needs-based selling O d. soft selling 43. All of the following should definitely be disclosed to a prospect in the process of selling an insurance policy EXCEPT: O a. the consequences of early policy surrender b. the buyer's privacy rights c. the policy's cancelation provisions O d. the number of similar policies the producer has previously placed 44. Sally was covered under her employer's group long-term care insurance policy for one year at the time the policy was replaced by another group long-term care insurance policy. Both policies have a six-month exclusion of pre-existing conditions. Since Sally has a pre-existing condition, when can she expect her certificate under the new replacement policy to provide coverage for it? a. after six months b. after four months c. after two months O d. immediately
