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Which of the following statements is (are) true concerning benefit payments under long-term care insurance? I.Expense-incurred policies pay for actual charges up to a specified daily limit. II.Per diem policies pay a specified daily benefit regardless of the charges incurred.

Tom and Nancy Boyle provide financial support for their two children. In addition, they provide financial support for Tom’s aged father and Nancy’s aged mother. The Boyle family can be described as a

Which of the following statements about disability and disability income insurance is (are) true?I.Most disability income policies replace 100 percent of gross earnings. II.The probability of being disabled before age 65 is much higher than commonly believed.

The purchase of term insurance is justified by which of the following circumstances?I.The insured wants to save money through the policy for a specific need. II. The insured has a temporary need for life insurance protection.

Angie was injured when her car was struck by a driver who ran a red light. The other driver carried the minimum liability coverage necessary to be considered financially responsible. Angie’s injuries were $15,000 above the minimum bodily injury limit. There is a coverage that can be added to the PAP that applies when a negligent driver carries the minimum liability insurance required by the state, but is less than the insured’s actual damages for bodily injury. This coverage is called

The inability of the insured to perform some but not all of the important duties of his or her occupation is called

Which of the following persons is (are) covered for liability insurance under the PAP?I.a family member who drives a covered autoII.a family member who occasionally drives a friend’s auto

Which of the following statements about long-term care insurance is (are) true?I.Long-term care insurance is inexpensive, especially if purchased at older ages. II.Purchasers have a choice of daily benefits and benefit periods.

There are no known risks to the use of pesticides in the food supply

____________ obesity is a pattern of body fat distribution associated with an increased incidence of cardiovascular disease, diabetes and hypertension.