** Do not answer this if you're not going to answer all 12 questions. I will downvote and report you.

1. The health Insurance portability and accountability Act (HIPAA) ensures that qualified individuals who change jobs will have access to group health insurance with their new employer without

a. Having to satisfy a new pre existing condition period

b. Having any increase in premium costs

c. Having to meet a new deductible

d. An change in the level of benefits they receive

2. Expenses resulting from all of the following would be considered acceptable under coverage E- additional living expenses EXCEPT

a. Hotel

b. Dining

c. Transportation

d. Clothing

3. Under the Producer compensation transparency regulation, the initial disclosure to be provided to the applicant by the producer MUST include which of the following?

a. The names of all insurers likely to reject the risk being insured

b. A description of the role of the insurance producer in the sale

c. A copy of the notification to the managing general agent of the insureds

d. A copy of the producers credit card

4. The FAIR Plan is designed for

a. Owners of multi-family dwellings who want to insure all their properties under one policy

b. Individuals who cannot obtain insurance in the voluntary market

c. Individuals who have better than average experience and want to obtain property coverage at a discount

d. Owners of large commercial buildings who need very high limits of coverage

5. The purpose of the New York State Disability Benefits Law is to provide:

a. Short-term disability benefits

b. Short-term disability and medical benefits

c. Long-term disability benefits

d. Long-term disability and medical benefits

6. A homeowners policy covers which of the following losses?

a. Theft in a dwelling under construction

b. Vandalism within 30 days of vacancy

c. Loss caused by birds and cosmetic animals

d. Damage by flood

7. Due to a furnace malfunction, sparks ignited nearby cleaning rags, which resulted in a grocery store being burned to the ground. What is the peril?

a. Fire

b. Sparks

c. Cleaning rags

d. Furnace

8. How many hours after the theft of the insureds car MUST an insured wait before Transportation Expense Coverage begins?

a. 12 hours

b. 24 hours

c. 36 hours

d. 48 hours

9. The Maximum amount a homeowners policy will pay in the even of a covered loss under SEction II- Personal liability is the

a. Deductible

b. Limits of liability

c. Medical payments

d. Coinsurance

10. Under an HO_3 policy the coverage B- other structures limit for a three-family dwelling is what percentage of coverage A?

a. 5%

b. 10%

c. 15%

d. 20%

11. The liability section of the homeowners policy provides additional coverage for claim expenses, reimbursing the insured for all of the following EXCEPT

a. Post-judgement interest

b. Defense cost

c. Punitive damages

d. Lost earnings

12. What is the purpose of a business owner policy?

a. To allow insureds to cover their personal and commercial liability only.

b. To write policies that unable to be written in the admitted market

c. To allow insured to provide coverage for their small business

d. To add workers compensation benefits