All of the following impact the cost of a long-term care policy EXCEPT.

When comparing group long-term disability (LTD) with individual LTD policies, differences include all the following EXCEPT:

Which of the following individuals would not qualify for long-term care benefits?  

Under what type of insurance policy must an insured always have an insurable interest at the time of loss to receive payments?  

There are various factors that influence the need for long-term care insurance. Which of the following is correct regarding these factors?  

Who is/are generally required as gatekeepers for a policy holder under an HMO policy?  

Harlen is a participant in her employer’s group comprehensive major medical insurance plan and she has had no claims so far this calendar year. The plan has a $1,000 deductible, a $5,000 out-of-pocket maximum, and has 80% coinsurance. If Harlen is injured in an accident, resulting in $4,000 in medical costs, how much will Harlen need to pay for the medical bills?

Justin H. purchased a life insurance policy many years ago and now feels he no longer needs the life insurance. He would like to do a 1035 exchange to an annuity that can provide him additional income for his golden years. Which of the following is correct regarding the exchange?

The exclusions section of an insurance policy will exclude certain perils, losses, and property.  Perils may be excluded because:

Under a cross purchase buy-sell agreement for a company with 12 partners, how many insurance policies would they need to purchase?