16.Dental insurance policies are available in both the individual and group market. In these policies, procedures such as fillings, crowns, and bridges are included under:

Select one:

a. restorative services.

b. preventive services.

c. normal diagnostic services.

d. surgical services.

e. orthodontia.

17.Identify the line of insurance that has the largest break-even combined ratio.

Select one:

a. Medical malpractice

b. Personal auto

c. Homeowners'

d. Fire

e. Workers' compensation

18.An independent agent owns the x-date. Identify the correct explanation for this statement.

Select one:

a. The agent pays all agency expenses.

b. The agent has he right to contact the customer when a policy is due for renewal.

c. The agent makes all decisions concerning how the agency operates.

d. The agent has the responsibility of collecting premiums in all circumstances.

e. The agent makes all decisions about the insureds method of paying premiums.

19.When a company updates its computer system, its software package, or the process for conducting business using the computer system, business is interrupted while employees learn how to conduct business using the new system. The result of this downtime is lost revenue. Categorize this risk into one of the following e-commerce property risk category.

Select one:

a. Trademark infringements

b. Hardware and software thefts

c. Regulatory and legal changes

d. Technological changes

e. Internet-based telephony crimes

20.Top-heavy plans are plans where:

Select one:

a. the employee has to pay all of the fund contribution in exchange of a tax benefit.

b. the company contributes more to the plan than the employee.

c. the employee and employer can obtain heavy tax benefits simultaneously.

d. the employer has to pay all of the fund contribution by classifying it as a business expense.

e. the owners or highest-paid employees hold over 60 percent of the value of the pension plan.