INS Georgia Ethics Exam Study Guide
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1 INS Georgia Ethics Exam Study Guide This document contains the questions that will be on the exam. When you have studied the course materials, reviewed the questions in this document, and feel that you are ready to take the exam, return to the login page to take the online exam. A Center for Continuing Education 1465 Northside Drive, Suite 213 Atlanta, Georgia (404) (800) Fax: (404) Georgia Ethics Page 1
2 Georgia Ethics Final Exam 1. Insurance is considered of benefit to society for all of the following reasons, except: a. Insurance protects individuals from financial loss, protecting citizens from some economic hardship. b. Insurance protects businesses from financial loss, reducing the risk employees will be laid off due to such financial loss. c. Insurers pay taxes. d. Insurance protects against financial loss, reducing the likelihood that taxes will be used to pay for these losses. 2. The public trusts the ethical insurance agent to : a. represent insurance products accurately. b. push them into buying a product they don t need. c. make malicious statements against others in the insurance business. d. inaccurately disclose risks related to an insurance product. 3. If an insurer cannot meet its, its policyholders will be harmed. a. advertising budget b. financial obligations c. mergers and acquisitions goals 4. The insurance profession supports ethical practices in the industry because: a. ethical practices improve the public image of the industry. b. ethical practices help reduce the enactment of additional regulation. c. ethical practices aid in the overall competitive health of the industry. 5. Which view of success encourages ethical behavior? a. A view that includes doing what is best for the customer in its measurement of success. b. A view that measures success based primarily on the number of policies sold. c. A view that measures success based primarily on the amount of commission earned. d. A view that measures success based primarily on how rapidly the agent becomes a general agent. 6. An alien insurer is an insurer which is: a. formed in another state and doing business in Georgia. b. formed in Georgia and doing business in Georgia. c. formed in another country and doing business in Georgia.. 7. Each of the following may result in the revocation or suspension of an insurer s certificate of authority, except: a. refusing to be examined b. violating any provision to which the insurer is subject c. being a member of another state s guaranty association d. being found in unsound condition 8. When authorizing and monitoring agents, the state insurance department is primarily interested in all of the following, except: a. the agent s hobbies b. the agent s competency c. the agent s character d. the agent s professional practices Georgia Ethics Page 2
3 9. All of the following activities can result in the revocation or suspension of an agent s license, except: a. violating any provision of the insurance code. b. committing fraudulent or dishonest practices. c. conducting seminars. d. knowingly participating in the writing or issuance of substantial overinsurance of any property insurance risk. 10. Under the Georgia standards for the collection, use and disclosure of information, an adverse underwriting decision does not include: a. a declination of insurance coverage b. a termination of insurance coverage c. the termination of an individual policy form on a class basis d. the charging of higher rates for individuals in certain classes 11. Under the Standards for the Collection, Use and Disclosure of Information, a notice of information practices must be delivered to applicants no later than the time the policy is if personal information is collected only from the applicant or from public records. a. issued b. delivered c. applied for d. paid for 12. Churning is defined as: a. Sales practice which involves selling a policy to replace another policy issued by a different insurer for the purpose of generating a new commission for the agent. b. Sales practice which involves selling a policy to replace another policy from the same insurance company for the purpose of generating a new commission for the agent. c. The practice of inducing the purchase of an insurance contract by giving any part of an agent s commission or other item of value. d. Written or oral statements made by the insured, the insurer, or a representative of the insurer, which misstates information regarding the risk, terms, coverages, benefits, returns, or other material fact related to the contract. 13. Which of the following is not an example of unfair discrimination? a. Property insurance rates that are based solely upon age or geographical location without consideration of objective loss experience. b. An individual is refused insurance solely on the basis that she is blind. c. Different life insurance rates are charged to two individuals with the same class, same policy amount, same life expectancy and overall risk. d. Different health insurance rates are charge to two individuals with the same life expectancy and policy amount, but one individual is asthmatic and the other is not. 14. Misrepresentations on applications: a. can be harmful to an insurer because the insurer may put aside insufficient reserves for the actual risk being insured. b. do not really impact insurers because material information is obtained through inspection reports. c. are considered an uncontrollable risk of doing business by the regulators. 15. Refusing to provide municipal services or property or hazard insurance for dwellings or providing such services or insurance differently because of race, religion, sex, handicap, familial status or national origin is prohibited under: a. The Fair Credit Reporting Act b. The Americans With Disabilities Act c. The Fair Housing Act Georgia Ethics Page 3
4 16. The Americans with Disabilities Act applies: a. only to life and health insurance. b. only to health insurance. c. to all types of insurance. d. only to property-casualty insurance. 17. All of the following are methods used by risk managers to handle risk, except: a. retaining risk b. denying risk c. controlling risk d. transferring risk 18. Any written, oral, or other communication of information bearing on a natural person s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used in connection with an insurance transaction is a (an) report. a. consumer b. examination c. financial d. inspection 19. Records required to be kept by an agent may be kept at any of the following places, except: a. at the insurer s regional or home office outside of Georgia b. at the address shown on the agent s license c. at the insurer s regional or home office in Georgia d. at the insurance agency in which the agent is employed and which is licensed in Georgia 20. According to the Georgia Code, An agent sign or countersign in blank any policy to be issued outside of such agent s office. a. may b. shall not c. may, under specified circumstances 21. Insurers authorized to write and writing property insurance in Georgia a member of the FAIR plan. a. may be b. are required to be c. may join if invited to be 22. All of the following items should be considered when performing a needs assessment, except: a. current insurance on the risk b. the profile of the risk to be insured c. the customer s race d. the customer s financial situation 23. Each of the following illustration requirements are included in the NAIC s model regulation regarding life illustrations, except: a. illustrations must identify the insurer, the agent, the insured, the underwriting classification, the policy type, the initial death benefit, and the assumption options selected for the illustration. b. illustrations must be accurate, complete, clearly labeled, and contain true representation. c. insurers need not keep copies of illustrations once a policy is issued. d. illustrations must contain both a narrative explanation and a numeric summary of the policy illustrated for policy years five, ten, twenty and at age 70 based on policy guarantees, the illustrated scale, and halfway between the policy guarantee amount and the illustrated scale. Georgia Ethics Page 4
5 24. When responding to objections, all of the following are acceptable actions, except: a. responding directly and accurately to the objection. b. using a memorized answer which avoids answering the concern expressed. c. spending sufficient time to answer the concern. d. using a memorized answer which accurately addresses the concern. 25. Casualty insurance is: a. Insurance which protects against financial loss due to property damage. b. Lines of insurance that protect against financial loss due to legal liability and also include lines such as auto, crime, Workers Compensation, and surety. c. Insurance which protects against financial loss due to sickness or bodily injury. Also known as Accident and Health, or Accident and Sickness. d. Insurance which protects against financial loss due to death. 26. In an agency relationship, the entity or person the agent represents is called the: a. agency b. risk manager c. home office underwriter d. principal 27. Potential consequences of violating insurance laws are: a. revocation or suspension of an agent s license b. monetary fines c. criminal charges 28. An agent who makes malicious statements about an insurer is: a. defaming an insurer b. rebating c. twisting d. churning 29. The ethics of the insurance profession are impacted by: a. legislation. b. the profession. c. the standards and beliefs of the individual agent. 30. Insurance provides protection against: a. financial loss b. death c. accidents d. sickness 31. The result of negative public perception can be: a. a reduction in overall sales volume. b. an increase in regulation. c. a deterrent to competent, ethical people from entering the industry Each of these activities can lead to unethical behavior, except: a. waiting to make an insurance recommendation until the agent has time to review the customer s situation. b. not spending sufficient time with a customer. c. suggesting a little more insurance than is needed. d. rushing a sale. Georgia Ethics Page 5
6 33. Under the Americans with Disabilities Act, the definition of disability includes: a. a physical or mental impairment that substantially limits one or more of the major life activities of such individual. b. a record of such an impairment. c. being regarded as having such an impairment. 34. A waiver is not valid if: a. it relinquishes a right which was given by law and created in the interest of the public. b. it is not written. c. it is not oral Insurance is the most common method used to risk: a. avoid b. control c. transfer d. retain Georgia Ethics Page 6
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