Texas Life, Accident and Health Agent Exam, Accident and Health: Field Underwriting Procedures: all 17 questions

All questions from the Accident and Health: Field Underwriting Procedures section for Texas Life, Accident and Health Agent Exam, each with the correct answer.

9001Field underwriting by the agent includes
9002An agent should ask the applicant to answer every question on the application
9003Before an application for health coverage is signed, the agent should explain
9004A HIPAA authorization signed by an applicant
9005If an agent collects the initial premium with the application, the agent should
9006An agent who deposits a client's premium in a personal account has committed
9007When delivering a policy, the agent should explain
9008If the policy issued differs from the one applied for (for example, with a rating or exclusion), the agent should
9009Replacing an existing health policy with a new policy without regard to the client's interests is
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
9018Before a Texas agent leaves the application with an applicant who must obtain a medical exam, the agent should explain
9019An agent gives the applicant a written health application summary stating that no coverage exists until the policy is delivered, unless a receipt says otherwise. This statement helps avoid

Texas Life, Accident and Health Agent Exam, Accident and Health: Field Underwriting Procedures: all 17 questions

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