45) An unfair insurance trade practice is: a) Sharing a commission with another licensed producer b) Discriminating in rates between risks of different hazards c) Making direct comparisons between your insurance products and those of competitors d)Offering premium rebates not specified in the contract of insurance

100) An example of a comprehensive health policy is: a)A major medical policy b) A dental policy c) A vision policy d) A workers compensation policy

50) Inflation protection must be included in all long-term care policies delivered in the Commonwealth of Massachusetts unless: a) The inflation rate is below a specified level b) The policyholder rejects the coverage in writing c)The policyholder elects a coverage percentage equal to reasonable charges d) The policy contains a premium rate guarantee

57) Which is true about disability buy-sell insurance policies? a) The policyowner may not be the beneficiary b) The insurer pays the benefits to the disabled individual c) The policy proceeds are normally received income tax-free d) The premiums are tax-deductible

58) Under a typical utilization review arrangement, the initial review is usually conducted by: a) A primary care physician b) A physician specializing in the area under review c) A nurse trained in utilization review procedures d) A claims committee