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Kentucky Life and Health State Exam Study Guide with complete Solutions | Latest 2025/2026, Exams of Insurance law

Kentucky Life and Health State Exam Study Guide with complete Solutions | Latest 2025/2026 Update.

Typology: Exams

2024/2025

Available from 07/02/2025

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Kentuckyi,-Lifei,-andi,-Healthi,-Statei,-Exami,-
Studyi,-Guidei,-withi,-completei,-Solutionsi,-|i,-
Latesti,-2025/2026i,-Update.
Industriali,-lifei,-insurancei,-isi,-ai,-formi,-ofi,-lifei,-insurancei,-writteni,-underi,-
policiesi,-havingi,-ai,-facei,-valuei,-amounti,-ofi,-i,- i,-$3,000i,-ori,-less
Besti,-describesi,-thei,-intenti,-ofi,-ai,-Coinsurancei,-clausei,-ini,-ai,-majori,-
medicali,-policyi,-i,- i,-discouragesi,-overutillizationi,-ofi,-thei,-insurancei,-
coverage
NOTi,-requiredi,-wheni,-ani,-insurancei,-companyi,-requestsi,-ani,-inspectioni,-
reporti,-i,- i,-Consenti,-ofi,-thei,-agent
Insureri,-andi,-Employeri,-i,- i,-Partiesi,-directlyi,-involvedi,-ini,-ai,-groupi,-
accidenti,-andi,-healthi,-insurancei,-contract
Wheni,-determiningi,-thei,-accumulationi,-valuei,-ofi,-ai,-deferredi,-annuity,i,-
thei,-totali,-isi,-calculatedi,-byi,-takingi,-thei,-premiumsi,-paidi,-plusi,-interest,i,-
andi,-theni,-subtractingi,-the:i,-i,- i,-Withdrawalsi,-andi,-expenses
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Download Kentucky Life and Health State Exam Study Guide with complete Solutions | Latest 2025/2026 and more Exams Insurance law in PDF only on Docsity!

Kentuckyi,-Lifei,-andi,-Healthi,-Statei,-Exami,-

Studyi,-Guidei,-withi,-completei,-Solutionsi,-|i,-

Latesti,-2025/2026i,-Update.

Industriali,-lifei,-insurancei,-isi,-ai,-formi,-ofi,-lifei,-insurancei,-writteni,-underi,-

policiesi,-havingi,-ai,-facei,-valuei,-amounti,-ofi,-i,- i,-$3,000i,-ori,-less

Besti,-describesi,-thei,-intenti,-ofi,-ai,-Coinsurancei,-clausei,-ini,-ai,-majori,-

medicali,-policyi,-i,- i,-discouragesi,-overutillizationi,-ofi,-thei,-insurancei,-

coverage

NOTi,-requiredi,-wheni,-ani,-insurancei,-companyi,-requestsi,-ani,-inspectioni,-

reporti,-i,- i,-Consenti,-ofi,-thei,-agent

Insureri,-andi,-Employeri,-i,- i,-Partiesi,-directlyi,-involvedi,-ini,-ai,-groupi,-

accidenti,-andi,-healthi,-insurancei,-contract

Wheni,-determiningi,-thei,-accumulationi,-valuei,-ofi,-ai,-deferredi,-annuity,i,-

thei,-totali,-isi,-calculatedi,-byi,-takingi,-thei,-premiumsi,-paidi,-plusi,-interest,i,-

andi,-theni,-subtractingi,-the:i,-i,- i,-Withdrawalsi,-andi,-expenses

Statementsi,-containedi,-ini,-advertisementsi,-withi,-respecti,-toi,-thei,-

businessi,-ofi,-insurancei,-whichi,-arei,-untrue,i,-deceptive,i,-ori,-misleadingi,-

are:i,-i,- i,-Prohibitedi,-underi,-statei,-late

Medicali,-Informationi,-Bureaui,-consistsi,-ofi,-membersi,-fromi,-whichi,-

group?i,-i,- i,-insurancei,-companies

Defamationi,-i,- i,-Ai,-statementi,-thati,-isi,-falsei,-ori,-maliciouslyi,-criticali,-ofi,-

thei,-financiali,-conditioni,-ofi,-ani,-insurer

Medicarei,-Parti,-Bi,-excessi,-chargesi,-arei,-coveredi,-by:i,-i,- i,-Medicarei,-

supplements

Maximumi,-periodi,-ofi,-timei,-fori,-whichi,-ai,-personi,-cani,-holdi,-ai,-

temporaryi,-license?i,-i,- i,- 180 i,-days

Ani,-agenti,-isi,-requiredi,-toi,-registeri,-withi,-FINRAi,-ini,-orderi,-toi,-sell?i,-i,- i,-

Variablei,-Life

Misrepresentationi,-

i,-i,- i,-Making,i,-issuingi,-ori,-circulatingi,-anyi,-estimate,i,-illustration,i,-

circular,i,-ori,-statementi,-thati,-distortsi,-thei,-termsi,-ofi,-anyi,-policyi,-isi,-

prohibitedi,-andi,-definedi,-a

Ai,-signedi,-goodi,-healthi,-statementi,-wouldi,-bei,-collectedi,-byi,-ai,-lifei,-

produceri,-ati,-thei,-timei,-of:i,-i,- i,-Policyi,-Delivery

Thei,-Commissioneri,-ofi,-Insurancei,-is:i,-i,- i,-Appointedi,-byi,-thei,-governor

Whati,-doesi,-Medicarei,-Partsi,-Ai,-andi,-Bi,-cover?i,-i,- i,-Parti,-Ai,-coversi,-

hospitalization;i,-Parti,-Bi,-coversi,-doctor'si,-services

Ani,-insurablei,-riski,-requires:i,-i,- i,-Thati,-thei,-chancei,-ofi,-lossi,-bei,-

measurable

Ini,-ani,-insurancei,-contract,i,-thei,-insureri,-isi,-thei,-onlyi,-partyi,-whoi,-makesi,-

ai,-legallyi,-enforceablei,-promise.i,-Whati,-kindi,-ofi,-contracti,-isi,-this?i,-i,- i,-

Unilateral

Toi,-avoidi,-havingi,-toi,-takei,-anotheri,-examination,i,-ani,-agenti,-whoi,-

allowsi,-hisi,-licensei,-toi,-lapsei,-musti,-reinstatei,-thei,-licensei,-withini,-i,- i,- 12 i,-

monthsi,-fromi,-thei,-duei,-datei,-ofi,-thei,-renewali,-fee

Ai,-personi,-whoi,-commitsi,-insurancei,-fraudi,-isi,-guiltyi,-ofi,-ai,-

misdemeanori,-ifi,-thei,-claim,i,-benefit,i,-ori,-moneyi,-involvedi,-ini,-thei,-

illegali,-activityi,-is:i,-i,- i,-$300i,-ori,-less

Whati,-isi,-thei,-finei,-fori,-violationi,-ofi,-thei,-HIVi,-testingi,-andi,-disclosurei,-

procedures?i,-i,- i,-Noti,-lessi,-thani,-$50i,-ori,-morei,-thani,-$

Medicaidi,-isi,-fundedi,-byi,-whichi,-entityi,-(entities)?i,-i,- i,-bothi,-federali,-

andi,-statei,-governments

Policyi,-thati,-hasi,-benefitsi,-thati,-arei,-consideredi,-taxable?i,-i,- i,-

Noncontributoryi,-Groupi,-Disabilityi,-Incomei,-Policy

Stevei,-isi,-ai,-produceri,-whoi,-offersi,- 2 i,-ticketsi,-toi,-thei,-Superi,-Bowli,-asi,-ani,-

incentivei,-fori,-drawni,-toi,-buyi,-ai,-veryi,-largei,-wholei,-lifei,-policy.i,-Whichi,-

unfairi,-tradei,-practicesi,-Stevei,-ini,-violationi,-of?i,-i,- i,-Rebatingi,-(illegali,-

inducements)

Underi,-ai,-healthi,-benefiti,-plan,i,-whichi,-ofi,-thei,-followingi,-actionsi,-

manageri,-properlyi,-takei,-oni,-thei,-basisi,-ofi,-ai,-genetici,-testi,-fori,-whichi,-

symptomsi,-havei,-noti,-manifested?i,-i,- i,-Renewi,-thei,-policy

Underi,-Kentuckyi,-code,i,-thei,-commissioneri,-mayi,-imposei,-ai,-premiumi,-

taxi,-ofi,-______i,-ofi,-grossi,-premiumsi,-fori,-ani,-unauthorizedi,-insureri,-i,- i,-

Thei,-maximumi,-periodi,-fori,-whichi,-ai,-groupi,-healthi,-plani,-mayi,-excludei,-

benefitsi,-fori,-pre-existingi,-conditionsi,-fori,-ai,-participanti,-whoi,-isi,-noti,-ai,-

latei,-enrolleei,-is?i,-i,- i,- 12 i,-months

Ai,-Lifei,-Insurancei,-companyi,-justi,-paidi,-ai,-$100000i,-debti,-benefiti,-toi,-ai,-

beneficiary.i,-Wheni,-thei,-insuredi,-died,i,-thei,-cashi,-valuei,-wasi,- 15000 i,-andi,-

thei,-totali,-premiumsi,-paidi,-equalsi,- 10000 i,-howi,-muchi,-ofi,-thei,-proceedsi,-

willi,-bei,-addedi,-toi,-thei,-beneficiariesi,-grossi,-incomei,-fori,-federali,-andi,-

incomei,-taxi,-purposes?i,-i,- i,-$0.i,-Wheni,-ani,-insuredi,-diesi,-proceedsi,-ofi,-

ai,-Lifei,-Insurancei,-Policyi,-paidi,-asi,-ai,-lumpi,-sum,i,-deathi,-benefiti,-toi,-ai,-

beneficiaryi,-arei,-exempti,-fromi,-federali,-incomei,-tax.

Ani,-agenti,-ori,-insureri,-musti,-maintaini,-ai,-recordi,-ofi,-alli,-transactionsi,-fori,-

ati,-leasti,-howi,-manyi,-years?i,-i,- i,-Ati,-leasti,- 5 i,-years

Ini,-whati,-situationi,-isi,-ai,-criticali,-illnessi,-plani,-covered?i,-i,- i,-Leukemia

Ai,-schooli,-teacheri,-hasi,-contributedi,-eightyi,-thousandi,-dollarsi,-intoi,-ai,-

taxi,-shelteredi,-annuity.i,-Ati,-thei,-timei,-shei,-surrenderedi,-thei,-contract.i,-

Thei,-accounti,-valuei,-wasi,-ai,- 180000 i,-dollandi,-heri,-taxi,-bracket.i,-Wasi,-

30%i,-thei,-resultanti,-taxi,-amountsi,-to?i,-i,- i,-$54,

Thei,-onlyi,-partyi,-ini,-ani,-insurancei,-contracti,-thati,-makesi,-ai,-legallyi,-

enforceablei,-promisei,-isi,-Thei,-insurancei,-company.i,-Becausei,-ofi,-this,i,-

Insurancei,-contractsi,-arei,-consideredi,-toi,-bei,-i,- i,-Unilateral

Thei,-maini,-objectivei,-ofi,-thei,-examinationi,-ofi,-insurersi,-byi,-statei,-

insurancei,-departmentsi,-isi,-toi,-determinei,-i,- i,-Continuedi,-solvencyi,-ofi,-

thei,-insurers

Thisi,-policyi,-doesi,-noti,-havei,-thei,-automatici,-premiumi,-loani,-provisioni,-

attachedi,-toi,-iti,-i,- i,-Decreasingi,-term

Afteri,-ani,-insuredi,-givesi,-noticei,-ofi,-loss,i,-Whati,-musti,-hei,-ori,-shei,-doi,-ifi,-

thei,-insureri,-doesi,-noti,-furnishi,-forms?i,-i,- i,-Filei,-writteni,-proofi,-ofi,-loss.

Ani,-insurancei,-companyi,-cani,-writei,-ani,-accidentali,-deathi,-Andi,-

dismembermenti,-policyi,-asi,-a(an):i,-i,- i,-Stand-alone,i,-policyi,-ori,-rider

Thisi,-isi,-noti,-relevanti,-wheni,-determiningi,-thei,-amounti,-ofi,-personali,-Lifei,-

Insurancei,-neededi,-i,- i,-Locali,-unemploymenti,-rate.

Basici,-hospitali,-andi,-surgicali,-policyi,-benefitsi,-arei,-i,- i,-loweri,-thani,-thei,-

actuali,-expensesi,-incurred

Ti,-hasi,-Ai,-disabilityi,-incomei,-policyi,-Thati,-paysi,-ai,-monthlyi,-benefiti,-ofi,-

fivei,-thousandi,-dollars.i,-Ifi,-Ti,-becomesi,-partiallyi,-disabled,i,-Whati,-cani,-

hei,-likelyi,-expecti,-i,- i,-Lessi,-thani,-$5000i,-peri,-monthi,-benefiti,-

regardlessi,-ofi,-thei,-cause.

Mi,-becomesi,-disabledi,-andi,-isi,-unablei,-toi,-worki,-fori,-sixi,-months.i,-Mi,-diesi,-

sooni,-afteri,-fromi,-complicationsi,-arisingi,-fromi,-thisi,-disability.i,-Mi,-hasi,-ai,-

Disabilityi,-Incomei,-policyi,-thati,-paysi,-$2,000i,-ai,-month.i,-Whichi,-ofi,-thei,-

followingi,-statementsi,-BESTi,-describesi,-whati,-isi,-owedi,-toi,-heri,-estate?i,-i,-

i,-Earn,i,-buti,-unpaidi,-benefits.

Wheni,-ani,-employeei,-isi,-requiredi,-toi,-payi,-ai,-portioni,-ofi,-thei,-premiumi,-

fori,-ani,-employer/employeei,-groupi,-healthi,-plan,i,-thei,-employeei,-isi,-

coveredi,-underi,-whichi,-ofi,-thei,-followingi,-plans?i,-i,- i,-Contributory.

Underi,-Kentuckyi,-Codei,-304.2,i,-Thei,-commissioner,i,-Asi,-thei,-Appointedi,-

headi,-ofi,-thei,-insurancei,-departmenti,-willi,-servei,-fori,-ai,-periodi,-noti,-toi,-

exceedi,-i,- i,- 4 i,-years.

Pi,-isi,-ai,-Majori,-Medicali,-policyowneri,-whoi,-isi,-hospitalizedi,-asi,-ai,-resulti,-ofi,-

injuriesi,-sustainedi,-fromi,-participatingi,-ini,-ai,-carjacking.i,-Howi,-willi,-thei,-

insureri,-mosti,-likelyi,-handlei,-thisi,-claim?i,-i,- i,-Claimi,-willi,-bei,-denied.

Thei,-fairi,-crediti,-reportingi,-acti,-isi,-Intendedi,-toi,-givei,-i,- i,-consumersi,-

thei,-righti,-toi,-protecti,-theiri,-owni,-crediti,-information

Noti,-ani,-examplei,-ofi,-rebatingi,-i,- i,-Sharingi,-commissionsi,-withi,-otheri,-

licensedi,-Andi,-appointedi,-agents.

Ai,-typei,-ofi,-insurancei,-companyi,-thati,-isi,-establishedi,-asi,-ai,-lodgei,-ori,-

charitablei,-organizationi,-isi,-i,- i,-Fraternal.

Howi,-manyi,-daysi,-musti,-ani,-insuredi,-notifyi,-thei,-insureri,-ofi,-ai,-claimi,-

underi,-thei,-noticei,-ofi,-claimi,-provision?i,-i,- i,-Twentyi,-days

Jayi,-wouldi,-likei,-toi,-maintaini,-thei,-righti,-Toi,-changei,-beneficiaries.i,-

Whichi,-beneficiaryi,-designationi,-shouldi,-bei,-used?i,-i,- i,-Revocable.

Thei,-insurancei,-Companyi,-thati,-sharesi,-profitsi,-ori,-lossesi,-withi,-itsi,-

investorsi,-isi,-calledi,-Ai,-i,- i,-Stocki,-company.

Ani,-untruei,-statementi,-abouti,-majori,-medicali,-benefitsi,-i,- i,-Benefitsi,-

havei,-noi,-maximumi,-limit.

Ani,-examplei,-ofi,-businessi,-disabilityi,-buy-selli,-policyi,-designedi,-toi,-helpi,-

ini,-thei,-salei,-ofi,-ai,-businessi,-i,- i,-Businessi,-owneri,-becomingi,-disabled

Whati,-doesi,-thei,-ownershipi,-clausei,-ini,-ai,-Lifei,-Insurancei,-Policyi,-state?i,-i,-

i,-Whoi,-thei,-policyowneri,-isi,-andi,-whati,-rightsi,-thei,-policyowneri,-isi,-

entitledi,-to

Thisi,-settlementi,-optioni,-doesi,-noti,-involvei,-thei,-systematici,-liquidationi,-

ofi,-thei,-deathi,-proceedsi,-ini,-thei,-eventi,-ofi,-thei,-insured'si,-death.i,-i,- i,-

Interesti,-only

Thisi,-optioni,-besti,-describesi,-ai,-shorti,-termi,-medicali,-expensei,-policyi,-i,-

i,-Noni,-renewable

Ai,-characteristici,-ofi,-ai,-preferredi,-provideri,-organizationsi,-(PPO)i,-isi,-i,- i,-

Ifi,-servicei,-isi,-obtainedi,-outsidei,-thei,-PPO,i,-benefitsi,-arei,-reducedi,-andi,-

costsi,-increase

Thisi,-contracti,-permitsi,-thei,-remainingi,-partnersi,-toi,-buyi,-outi,-thei,-

interesti,-ofi,-ai,-disabledi,-businessi,-partneri,-i,- i,-Disabilityi,-Buy-Sell

Whati,-musti,-bei,-giveni,-toi,-ai,-Lifei,-Insurancei,-applicanti,-Wheni,-thei,-agenti,-

receivesi,-ani,-applicationi,-andi,-thei,-initiali,-premium?i,-i,- i,-Ai,-

conditionali,-receipt

Ai,-lifei,-insurancei,-policyi,-owneri,-wasi,-injuredi,-ini,-ani,-automobilei,-

accidenti,-whichi,-Resultsi,-ini,-ai,-totali,-andi,-permanenti,-disability.i,-Whichi,-

rideri,-wouldi,-payi,-ai,-monthlyi,-amounti,-becausei,-ofi,-thisi,-Disability?i,-i,- i,-

Disabilityi,-Incomei,-rider

Thei,-premiumsi,-fori,-continuedi,-Healthi,-Insurancei,-coveragei,-underi,-

Cobrai,-arei,-paidi,-fori,-byi,-the.i,-i,- i,-Employee

Thei,-documenti,-thati,-givesi,-ai,-healthi,-insurancei,-companyi,-thei,-

authorityi,-toi,-payi,-benefitsi,-Directlyi,-toi,-ai,-policyi,-holder'si,-healthi,-carei,-

provideri,-isi,-the:i,-i,- i,-Assignmenti,-ofi,-benefits.

Whati,-isi,-issuedi,-toi,-eachi,-employeei,-ofi,-ani,-employeri,-healthi,-plani,-i,- i,-

Certificate.

Di,-wasi,-activelyi,-servingi,-ini,-thei,-marinesi,-wheni,-hei,-wasi,-killedi,-ini,-ani,-

automobilei,-accidenti,-whilei,-oni,-leave.i,-Hisi,-onei,-hundredi,-thousandi,-

dollari,-wholei,-lifei,-policyi,-containsi,-ai,-wari,-exclusioni,-clause.i,-Howi,-

muchi,-willi,-D'si,-beneficiariesi,-receive?i,-i,- i,-Thei,-fulli,-facei,-amount

Ai,-non-participatingi,-policyi,-will.i,-i,- i,-Noti,-payi,-dividends

Ani,-individuali,-hasi,-ai,-majori,-medicali,-policyi,-withi,-$5000i,-deductiblei,-

andi,-ani,- 8020 i,-coi,-insurancei,-clause.i,-Howi,-muchi,-willi,-thei,-insuredi,-havei,-

toi,-pay?i,-Ifi,-ai,-totali,-ofi,-$15000i,-ini,-coveredi,-medicali,-expensesi,-arei,-I'mi,-

cured.i,-i,- i,-$7,

100%i,-ofi,-heri,-hearing.i,-Whati,-wouldi,-thei,-insurancei,-companyi,-bei,-

responsiblei,-for?i,-i,- i,-Fulli,-disabilityi,-incomei,-benefits.

Thei,-agreementi,-ini,-whichi,-hospitalsi,-andi,-physiciansi,-groupsi,-ini,-ai,-

specifici,-areai,-contracti,-withi,-ani,-insurancei,-companyi,-toi,-providei,-

medicali,-carei,-ati,-prei,-determinedi,-costsi,-isi,-i,- i,-Preferredi,-provideri,-

organizationi,-(PPO)

Whati,-musti,-thei,-policyi,-owneri,-providei,-toi,-thei,-insureri,-fori,-validationi,-

thati,-ai,-lossi,-hasi,-occurredi,-i,- i,-Proofi,-ofi,-loss.

Noti,-ai,-reasoni,-fori,-ai,-businessi,-toi,-buyi,-ai,-keyi,-Personi,-lifei,-insurancei,-i,- i,-

Ai,-pensioni,-deficiencyi,-ifi,-thei,-keyi,-employeei,-dies

Ani,-accidenti,-Ani,-Healthi,-Insurancei,-Policyi,-definesi,-ani,-Injuryi,-asi,-

"Bodilyi,-injuryi,-byi,-accidentali,-means."i,-Fori,-ani,-injuryi,-toi,-bei,-coveredi,-

oni,-thisi,-policy,i,-whati,-isi,-required?i,-i,- i,-Bothi,-thei,-causei,-andi,-thei,-resulti,-

ofi,-ani,-accidenti,-musti,-bei,-unintentional.

Makingi,-publishingi,-disseminatingi,-ori,-circulatingi,-directlyi,-ori,-

indirectly.i,-Ori,-aidingi,-ai,-bettingi,-ori,-encouragingi,-anyi,-orali,-ori,-writteni,-

statement,i,-whichi,-isi,-falsei,-ori,-derobertoryi,-toi,-thei,-financiali,-conditioni,-

ofi,-ani,-insureri,-isi,-definedi,-as.i,-i,- i,-Defamation.

Accordingi,-toi,-thei,-lawi,-ofi,-largei,-numbersi,-howi,-wouldi,-lossesi,-bei,-

affectedi,-ifi,-thei,-numberi,-ofi,-similari,-insuredi,-unitsi,-increasesi,-i,- i,-

Lossesi,-wouldi,-bei,-betteri,-predicted.

Whoi,-werei,-Keoghi,-plansi,-designedi,-toi,-providei,-pensioni,-benefitsi,-for?i,-

i,- i,-self-employed

Underi,-thei,-physicali,-andi,-mentali,-handicapi,-provision,i,-parentsi,-havei,-

howi,-manyi,-daysi,-toi,-contacti,-thei,-insureri,-uponi,-thei,-dependenti,-

attainmenti,-ofi,-age.i,-i,- i,- 31 i,-days.

Whati,-riski,-isi,-insurablei,-i,- i,-purei,-risk

Thisi,-statementi,-isi,-incorrecti,-regardingi,-thei,-federali,-incomei,-taxi,-

treatmenti,-ofi,-lifei,-insurancei,-i,- i,-Entirei,-cashi,-surrenderi,-valuei,-isi,-

taxable.

Anyi,-personi,-failingi,-toi,-complyi,-withi,-ai,-subpoenai,-issuedi,-byi,-thei,-

commissioneri,-ofi,-insurance.i,-i,- i,-Mayi,-bei,-punishedi,-byi,-thei,-superiori,-

courti,-fori,-contempt.

Ini,-ai,-familyi,-plani,-ai,-childi,-borni,-afteri,-issuancei,-ofi,-thei,-policyi,-wouldi,-

requirei,-whichi,-ofi,-thei,-followingi,-i,- i,-Coveragei,-beginsi,-immediatelyi,-

ati,-birth.i,-Noi,-additionali,-premium.

Ai,-policyi,-loani,-isi,-madei,-possiblei,-byi,-whichi,-ofi,-thesei,-lifei,-insurancei,-

policyi,-Features?i,-i,- i,-Policyi,-loani,-provision

ai,-trustee-to-Trusteei,-transferi,-Ai,-rolli,-overi,-fundsi,-ini,-ai,-qualifiedi,-plani,-

allowsi,-ai,-participanti,-toi,-avoidi,-i,- i,-Mandatoryi,-incomei,-taxi,-withi,-

holdingi,-oni,-thei,-transferi,-amount.

Insurersi,-issuingi,-longi,-termi,-carei,-policiesi,-musti,-givei,-purchasersi,-thei,-

optioni,-toi,-buyi,-ani,-inflationi,-protectioni,-featurei,-thati,-increasesi,-

benefitsi,-ati,-ani,-annuali,-ratei,-ofi,-ati,-leasti,-i,- i,-Fivei,-percent

Thei,-Kentuckyi,-continuingi,-educationi,-requirementi,-fori,-eachi,-

continuingi,-educationi,-bienniumi,-isi,-i,- i,- 24 i,-hoursi,-ofi,-courses.

Thei,-investmenti,-gainsi,-fromi,-ai,-universali,-lifei,-policyi,-usuallyi,-goesi,-

towards.i,-i,- i,-cashi,-value

Mikei,-appliedi,-fori,-Lifei,-Insurancei,-andi,-wasi,-issuedi,-Ai,-Conditionali,-

receipt.i,-Hei,-isi,-lateri,-foundi,-toi,-bei,-ani,-acceptablei,-riski,-andi,-isi,-issuedi,-ai,-

Policy.i,-Whati,-isi,-consideredi,-toi,-bei,-thei,-effectivei,-datei,-ofi,-thisi,-

insurancei,-contract?i,-i,- i,-Datei,-thei,-conditionali,-receipti,-wasi,-issued.

Whichi,-ofi,-thesei,-statementsi,-regardingi,-insurancei,-isi,-falsei,-i,- i,-Thei,-

numberi,-ofi,-lossesi,-decreasei,-asi,-thei,-numberi,-ofi,-insuredi,-unitsi,-

increase

Eachi,-ofi,-thei,-followingi,-isi,-ani,-unfairi,-marketingi,-ori,-tradei,-practicei,-

excepti,-i,- i,-Replacement.

Whati,-isi,-toi,-bei,-expectedi,-ofi,-ai,-modifiedi,-lifei,-policyi,-i,- i,-Ani,-eventuali,-

changei,-ini,-premiumi,-payments

Ai,-waiveri,-ofi,-premiumi,-benefiti,-fori,-ai,-lifei,-insurancei,-policyi,-isi,-utilizedi,-

wheni,-theyi,-insuredi,-i,- i,-Becomesi,-completelyi,-disabled

Ai,-reciprocali,-isi,-managedi,-byi,-whichi,-ofi,-thei,-followingi,-i,- i,-Ani,-

attorney-in-fact.

Isi,-toi,-bei,-aligiblei,-fori,-sociali,-securityi,-Disabilityi,-benefits,i,-Ani,-employeei,-

musti,-bei,-unablei,-toi,-perform.i,-i,- i,-Anyi,-occupation?

Whichi,-ofi,-thei,-followingi,-longi,-termi,-carei,-benefitsi,-providesi,-twentyi,-

fouri,-houri,-carei,-i,- i,-Skilledi,-nursingi,-care.