3)Disability resulting from which one of the following occurrences would be EXCLUDED under a disability income insurance policy providing ONLY nonoccupational coverage?

a)The insured is injured while diving into a neighbor's swimming pool

b)The insured is injured in an auto accident wide on vacation

c)The insured is injured in a commuter train crash while riding to work

d)The insured trips while at work and breaks a leg

6) A nonoccupational disability income policy:

a)Does not pay benefits when workers compensation payments are made

b)Is primarily designed to provide rehabilitation benefits

c)Is called a travel-accident policy

d)Provides coverage only for disability from illness

14) The producer originating a accident and sickness insurance application:

a)Usually has underwriting authority

b)May alter the application

c)Usually is the major personal contact with the insured

d)Can alter the terms of the coverage through verbal statements to the applicant