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18.1.2 Physical Condition

Web18.1.2 Physical Condition. Obviously, the proposed insured's physical state is very important. A person who has had or is likely to have more illnesses and injuries than a …

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17.1.1 Mandatory Provisions

Web17.1.1 Mandatory Provisions. The following standard provisions are mandatory in every insurance contract as mandated by the NAIC Uniform Health Insurance Policy Provision …

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12.3 Health Maintenance Organizations Overview

WebUnlike commercial insurers, Health Maintenance Organizations (HMOs) provide financing for health care plus the health care itself. HMOs are comprehensive health care service …

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17.1.2 Optional Provisions

WebInsurance With Other Insurer. This provision protects the insurance company against over-insurance in case a person has the same coverage from two different insurance policies …

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17.1 NAIC Model Health Insurance Policy Provisions

Web17.1 NAIC Model Health Insurance Policy Provisions. The NAIC developed the Uniform Health Insurance Policy Provision Law in which 23 policy provisions are outlined. Helpful …

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11.3.2 Premium Factors

Web11.3.2 Premium Factors. Premiums for health insurance are paid regularly for annually renewable benefits. That is, health coverage is subject to change year to year and …

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3.9.3 Free Look Provision

Web3.9.3 Free Look Provision. The free look provision provides the applicant the time to examine new policies with no obligation once the applicant receives the issued policy. …

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Fact Sheet: OSHA Outreach Training Managing Safety and …

WebAn effective occupational safety and health program includes the following four elements: Management commitment and employee involvement. Worksite analysis. Hazard …

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1.3 The Nature of Insurance

Web1.3 The Nature of Insurance. One of the basic factors in life and health premiums is the interest earned by the insurance company on the premiums it receives and subsequently …

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17.3 Renewability Provisions

WebIn these types of policies, the insurer has promised that the insured's policy is renewable, usually until a specified age (such as 60 or 65) as long as the insured continues to make …

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1.1 The Role of Insurance

WebThe function of insurance is to safeguard against financial loss by having the "losses of the few" paid by "contributions of the many" that are exposed to the same risk. Insurance …

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21.6 Florida Life and Health Guaranty Association

WebThe Florida Insurance Guaranty Association's (FIGA's) purpose is to protect policyowners, insureds, beneficiaries, annuitants, payees, and assignees of life insurance policies, …

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5.2.1 Underwriting Classifications

WebStandard Risk. An application can be accepted and approved "as submitted" for a policy to be issued. If the application is approved as submitted, then a standard premium would …

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12.3.2 Florida Laws and Regulations Regarding HMOs

WebSection 641.18 F.S. "Faced with the continuation of mounting costs of health care plans coupled with the state's interest in high quality care, the Legislature has determined that …

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11.3.1 Renewability Provisions

WebOptionally Renewable Policies. In an optionally renewable policy, the insurer has the option to terminate the policy by class; however, only on a specific date that is stated in the …

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5.3 The Application

Web1. Knowingly making false or fraudulent statements or representations on, or relative to, an application for an insurance policy for the purpose of obtaining a fee, commission, …

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13.3.2 Coinsurance

Web13.3.2 Coinsurance. The coinsurance is that portion of the balance due that each participant pays. The insurer pays their fair share and the insured pays his/her fair share. Typically, …

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Practice Exam Generator

WebWith the Practice Exam Generator, you will also have extended access to the online course material for an additional 60 days once you pass the course final examination. The …

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