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6 The waiver of premium provision of a life policy allows the insurer to take which of the following actions? a) Walve an insured's premiums if the insured becomes totally disabled before a certain age b) Walve an insured's premiums if the insured becomes partially disabled for a minimum time c) Increase an insured's coverage at an attained age without imposing a premium increase d) Reduce an insured's premiums if the insured pays them annually instead of monthly 7 All of the following may be examples of third party ownership EXCEPT a) Modified Life b) Group Life c) Split dollar life d) Key Employee Life 8 When a producer submits an insurance application to the company, the producer must take all of the following actions EXCEPT a) Submit the initial premium, if it was collected b) ensure any changes on the application were initialed by applicant c) submit a completed medical information report d) complete the producer's report 9 A client needs a substantial amount of protection but has limited financial resources. Which of the following insurance policies would best meet the client needs a) Term Life b) Adjustable Life c) Whole Life d) Limited Pay Life 10 Which of the following statements about a Renewable Term policy is CORRET? a) It is renewable at the option of the insurer b) It is renewable at the option of the insured c) It is renewable at the option of the insurer, with proof of insurability