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Explain briefly the purpose of the McCarran Act.
Explain what a policy reserve is. How is a policy reserve calculated?
Why is there unequal knowledge and bargaining power in the insurance transaction?
A) The complexity of the insurance contract and the intangible nature of the product
B) The insurance companies want to confuse consumers so it is difficult...
A foreign insurer is:
A) one that is home-officed outside the U.S.
B) one that has offices both in the U.S. and in other countries
C) one that is incorporated in another state
D) one that has not been in existence for at least...
Which of the following is not a reason for the comprehensive regulation of insurance?
A) Widespread abuse of consumer rights
B) Severe impact of insurer insolvency
C) Unequal knowledge and bargaining power of buyers and sellers
D)...
The arguments for federal regulation of insurance all of the following except:
A) lack of uniformity of state regulation
B) state regulation costs more to administer
C) federal regulation would be less expensive
D) federal...
Which of the following is not an argument for federal regulation?
A) There will be substantial improvement in efficiency due to fewer jurisdictional requirements.
B) There will be less influence over federal regulators by insurance...
A domestic insurer is:
A) one that is home-officed outside the U.S.
B) one that has offices both in the U.S. and in other countries
C) one that is incorporated in another state
D) none of the above
Which of the following is not directly a subject of state insurance regulation?
A) Financial solvency of insurance companies
B) Trade practices of insurance companies, such as agent compensation and product pricing
C) Marketing...
NAIC stands for:
A) National Association of Investment Commissioners
B) National Affiliated Insurance Commissioners
C) National Association of Insurance Commissioners
D) none of the above
Currently, the extent of the federal government's right to exercise regulatory authority over insurance companies is dictated by:
A) SEUA case
B) Paul v. Virginia decision
C) Robinson-Patman Act
D) McCarran-Ferguson Act
The regulator's objective with respect to insurance rates is to ensure that rates are:
A) understood by consumers and affordable for most consumers
B) equal for all applicants, adequate, and minimally discriminatory
C) fair,...
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