Question 9009 of 287 · Texas Life, Accident and Health Agent Exam
Replacing an existing health policy with a new policy without regard to the client's interests is
Exactly one answer is correct.
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Correct answer to question 9009
- A: twisting or churning, depending on the circumstances, and can be a prohibited practice
Explanation
The agent must not misrepresent or compare policies unfairly in order to induce replacement. Replacement requires disclosure and comparison.
More questions: Accident and Health: Field Underwriting Procedures
- 9010Twisting is
- 9011Churning is
- 9012An applicant misstates a medical condition and the agent knows the answer is false but submits the application anyway. This could result in
- 9015An agent explains that a disability income policy will pay 'the full salary' while disabled, although the policy pays 60 percent. This is
- 9016For a health application, an agent who learns of a change in the applicant's health after the application but before delivery should
- 9017An agent submits an application without the applicant's signature, signing for the applicant with a note that permission was given. This is