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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions (Q115-Q120):

NEW QUESTION # 115
For income tax purposes, premiums for personal life insurance are

A. deductible to the extent that they exceed 7.5% of the adjusted gross income.
B. not deductible.
C. tax deferred.
D. excluded from the adjusted gross income.

Answer: B

Explanation:
For income tax purposes, premiums for personal life insurance are B. not deductible.
* Tax Deductibility: Under the Internal Revenue Code and California state tax laws, premiums paid for personal life insurance are not tax-deductible.
* Reasoning: This is because personal life insurance premiums are considered a personal expense, and personal expenses are generally not deductible.
* Exceptions: The only exceptions where life insurance premiums might be deductible are in the case of life insurance purchased as part of a business expense or in specific cases involving charitable contributions where the life insurance policy is donated to a charity.
* IRS Guidelines: The IRS Publication 535 (Business Expenses) and California's Franchise Tax Board regulations provide clarity that premiums for personal life insurance do not qualify for tax deductions.

NEW QUESTION # 116
A contract in which one party promises to indemnify another against loss that arises from an unknown event is

A. a hold-harmless agreement.
B. an insurance policy.
C. a retrocession agreement.
D. a restoration policy.

Answer: B

Explanation:
Definition:An insurance policy is a contract in which one party (the insurer) promises to indemnify another party (the insured) against loss that arises from an unknown event, providing financial protection against specified risks.
Other Terms:Restoration policy (B), retrocession agreement (C), and hold-harmless agreement (D) refer to different types of agreements not specifically defined as insurance policies.
Reference:The definition aligns with standard insurance terminology and is supported by the California Department of Insurance documentation.

NEW QUESTION # 117
Which contract provision forgives the payment of all health or disability insurance premiums whilethe insured is disabled?

A. family leave
B. waiver of premium
C. cost of living
D. guaranteed insurability

Answer: B

Explanation:
Waiver of Premium Provision: This provision is designed to help policyholders maintain their health or disability insurance coverage even if they become disabled and unable to work.
Function: When the insured is disabled, the waiver of premium provision forgives the payment of premiums, allowing the policy to remain in force without the insured having to make further payments.
Relevance: This provision is crucial for policyholders who might otherwise lose their insurance coverage due to an inability to pay premiums during a period of disability.References: California Insurance Code Section
10271 outlines the provisions related to the waiver of premium in health and disability insurance policies.

NEW QUESTION # 118
According to the California Insurance Code, an insurance policy must specify all of the following EXCEPT the

A. policy period.
B. property or life being insured.
C. financial rating of the insurer.
D. risks insured against.

Answer: C

Explanation:
The California Insurance Code specifies that an insurance policy must include certain details, such as the property or life being insured (B), the risks insured against (C), and the policy period (D). However, it does not require the policy to specify the financial rating of the insurer (A). The financial rating, often provided by independent rating agencies, indicates the financial strength and stability of the insurance company, but this information is not mandated to be included in the policy itself.

NEW QUESTION # 119
When must insurance records of insurance agents and brokers be made available to the Insurance Commissioner?

A. Within 30 days of written request by the Commissioner.
B. After the policy is issued.
C. At all times.
D. Annually and submitted with the proper paperwork.

Answer: C

Explanation:
Insurance agents and brokers in California are required to maintain their records in a manner that makes them available for inspection by the Insurance Commissioner at any time. This requirement ensures that the Commissioner can perform audits and inspections to ensure compliance with the law. According to the California Insurance Code Section 1727, all records must be kept available for inspection at all times, ensuring transparency and regulatory compliance.

NEW QUESTION # 120
......

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California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions (Q115-Q120):

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