6. Ben\'s (aged 40) health cov low pe no exclusions, and not having to file insu

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6. Ben's (aged 40) health cov low pe no exclusions, and not having to file insurance claims. Which of the following most coverage? erage charges a low ($15) deductible each time he visits a doctor or hospital. Other than the very little cost sharing. However, Ben has the advantages lack of deductibles, few or r-service deductible, there is likely provides Ben's health a. HMO b. Blue Cross/Blue Shield association c. Commercial insurer (major medical) d. Medicare e. Fee-for-service indemnity plan 5 7. The underwriting function of insurance companies is designed to ensure that premiums are ba sed on a. income levels b. the value of losses c. the value of gains d. the chance of losses e. expense levels Patrick's monthly take-home pay is $5,000. His net worth is $125,000. He estimated that he would receive Social ecurity benefits worth $1,000 and company disability benefits $2,000 if he becomes disabled. The additional disability 8. benefits that he needs to arrange for equals a. $3,000 b. $2,000 c. $5,000 d. $6,000 e. $7,000 risk. 9. Insurance is a tool that can reduce ones a. social b. mental c. economic d. accident e. exposure 10. Universal life insurance is: a. a deferred premium payment policy. b. primarily sold to college students. c. a combined investment plan and insurance policy d. a provision for a secondary beneficiary e. less expensive than other policy types Copyright Cengage Learning. Powered by Cognero.

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5. Negligence occurs when someone fails to act in a reasonable manner. A negligence case does not arise merely because one person breached his duty to another.

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