In addition to providing coverage in the United States, its territories and possessions, and Puerto Rico, where else does the PAP provide coverage?

Which of the following statements about premature death is (are) true? I.From an economic standpoint, premature means death before a specified age, such as 65. II.The economic problem of problem of premature death in the United States has declined substantially over time.

Which of the following $100,000 whole life insurance policies, issued by the same company to a man age 32, would require the highest first-year premium?

Which of the following statements about endowment insurance policies is (are) true?I. The face amount is paid if the insured dies during the policy period or at the end of the policy period if the insured is still alive. II. The use of endowment insurance has increased in recent years because of its favorable tax treatment.

Which of the following statements about second-to-die life insurance is (are) true?I.The insurance is a form of endowment coverage. II. The premium is lower than the combined cost of purchasing a life insurance policy on each insured.

Which of the following statements about individual disability income policies that use a two-part definition of total disability is (are) true?I.During the initial period of disability, the insured must be unable to perform the duties of any gainful occupation.II.After the initial period of disability, the insured must be unable to perform the duties of any occupation for which he or she is reasonably fitted by education, training, and experience.

Tony has an unendorsed Personal Auto Policy which provides medical payments coverage. Under which of the following circumstances would the injured person be eligible for benefits under Tony’s policy?I.A friend in the car is injured while Tony is driving a covered auto.II.A passenger on a motorcycle driven by Tony is injured when Tony hit another vehicle.

Gary purchased a Personal Auto Policy (PAP) that included collision coverage. Gary lost control of his vehicle on an icy road. He slid across the center line into oncoming traffic. Another vehicle hit his car, causing severe damage to it. Ignoring any deductible, what is the insurer’s liability for damage to Gary’s car?

Which of the following statements regarding convertible term insurance is true?

Kevin has an individual disability income policy that his insurer agrees to keep in force until age 60. However, the company has the right to increase the premium each year for the underwriting class in which Kevin has been placed. Which renewal provision is found in Kevin’s policy?