Unit 11 Test - Managing Risk
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1. Medicare is usually for people with disabilities or for people who are _____. *
1 point
2.  Individuals who work with several companies or insurers to find the best insurance for clients are _____. *
1 point
3.  Zack has health insurance and has low out-of-pocket fees, but all his medical needs must go through a primary physician. What type of health insurance does Zack have?   *
1 point
4.   Marissa has health insurance that pays a greater percentage of medical expenses when she uses a health care provider in a certain network, although she can use a provider that is out-of-network. What type of health insurance does Marissa have? *
1 point
5. Devin and Amrita have recently had their first child and decided they should obtain life insurance. Each purchased a policy that lasts five years. What type of life insurance did they purchase?
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1 point
6.  Chance purchased a life insurance policy that will build cash value throughout his life. What type of life insurance did Chance purchase?
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1 point
7. Jennifer is married and in her early twenties with an infant daughter. What type of insurance should Jennifer purchase to protect her family in case she becomes unable to work because of an accident? *
1 point
8.  Torrance and Tina are having a party at their home and one of the guests slips on their tile entryway and breaks an arm. What type of insurance will help Torrance and Tina pay the guest’s medical bills? *
1 point
9.  Which group is most likely to have the highest auto insurance premiums? *
1 point
10.  Which factor is most likely to result in lower auto insurance premiums? *
1 point
11.  Mike is surprised that his auto insurance premiums increased since he had not had any accidents. Mike did receive a speeding ticket, but he paid the ticket. What factor has caused Mike’s premiums to increase? *
1 point
12. Which is the best way to lower your auto insurance premiums? *
1 point
13.  Angie has an older car that is paid off and worth less than $1,000. Angie wants to reduce her auto premium. Which insurance should Angie cancel from her auto policy? *
1 point
14. Nathan is single and has recently graduated from college and moved into an apartment. What type of insurance will help Nathan protect his possessions in his apartment?
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1 point
15.  Covers people driving your car in addition to accidents with people who don’t have auto insurance. *
1 point
16.  Covers damage to others, either property or injuries; required in most states. *
1 point
17. Covers repairs to your car in an accident with another car or an object.  
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1 point
18.  Covers your car for things such as vandalism, theft, and natural disasters.
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1 point
19.   Pays for health care bills in the event that you, immediate family, or passengers in your vehicle are injured in an accident.
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1 point
20. Insurance provides financial protection against loss or damage of belongings or your ability to maintain a standard of life.
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1 point
21.  Employers always offer health insurance as part of their benefits package.
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1 point
22.  An individual who has major medical health coverage will not ever have to pay out-of-pocket expenses. *
1 point
23.   Almost all lenders require a homeowner’s insurance policy to protect you in case of disaster theft, or accidents in your home. *
1 point
24.   In most states it is a legal requirement to have liability coverage on your auto. *
1 point
25.    If you rent a home, insurance for your possessions and liability are the responsibility of the landlord. *
1 point
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