36) The characteristic of an insurance policy which requires premium to be paid without the certainty that any money will ever be paid out by the insurer makes it:

a) An aleatory contract

b) A contract of utmost good faith

c) A personal contract

d) A legal contract

47) All of the following statements about hospital pre-authorization are true EXCEPT:

a) Alternate forms of treatment may be encouraged

b) Pre-authorization encourages weekend admissions

c) Pre-authorization does not delay emergency admission

d) Notification to the insurer is required before admission in non-emergency situations

48) Who normally bears the cost of continuing coverage under a group health plan for the surviving spouse of a deceased employee?

a) The surviving spouse

b) The deceased employee's employer

c) The Centers for Medicare & Medicaid Services

d) The state of Massachusetts