67) An insurance company is normally responsible to its appointed producers for all of the following EXCEPT:

a)Paying commissions to the producers

b)Communicating market practices guidelines

c)Providing advertising materials

d)Absorbing all of the producers' liability

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

13) In disability income insurance, the definition of total disability often considers the:

a)Unemployment rate

b)Number of years the policy has been in force

c)Insured's education, training, and experience

d)Age of the insured's dependents

32) Medicare Part D is offered by:

a)Private Health Plans

b)Long-term care facilities

c)The consumers state government

d)The Social Security Administration