86) Field underwriting usually differs from home office underwriting in that the producer:

a) Requires information on existing coverage

b) Requires information on the applicant's heath

c) Has personal contact with the applicant

d) Attempts to reduce moral hazard

88) In Massachusetts, all of the following are true about coverage for an eligible surviving spouse under a deceased employee's group health plan EXCEPT:

The scope of coverage must be identical to the group plan

The coverage may be conditioned on passing a physical examination

The coverage, when elected, continues without interruption

No probationary or waiting period is required

90) All of the following are basic underwriting actions in health insurance EXCEPT:

a) Rejecting applicants

b) Deleting uniform policy provisions

c) Issuing standard policies as applied for

d) Issuing policies with exclusion riders

31)An attorney covered under an own-occupation disability income policy has been receiving a $10,000 monthly benefit for several months due to illness. If the attorney remains unable to practice law, but works halftime as a janitor for $1,000 per month, the ongoing monthly benefit will be:

a) $ 5,000

b) $59,000

c) $510,000

d) Nothing at all