- The policy will not become valid until the initial premium is collected or until
- if the insured is intoxicated or under the influence of narcotics at the time of the loss
- The general rule is that no alterations of any __________ can be made by any person other than the applicant without the applicant's written permission
- two methods insurers use to determine the amount of benefits payable under their disability income policies
- A _________ may be changed or removed by the policy owner at any time without _______ from the beneficiary
- Social Security benefits are subject to ____________ if the beneficiary files an individual tax return and their annual income is ____________
- When this option is exercised, the paid-up policy is the same kind as the original
- Disability Income policy includes a _________ elimination period
- receive the death benefit only if the (or all) primary beneficiary has died prior to the insured
- nformation received from the Medical Information Bureau (MIB) about a proposed insured may be released to
- When attached to the insurance policy, the application becomes ___________ between the ____________ and the _____________
- The benefit is usually determined by ______________ of lost income by the stated monthly benefit for total disability
- Any producer is required to act in a ______________ when collecting premiums or dealing with the public; all producers possess a _____________ when engaging in ________________
- residual amount benefit based on the ____________ actually lost due to the _________________ taking into account the fact that _____________ and earn some income
- Under the single, pure, or straight life income option, monthly installments are paid to the __________ for as long as they live
- Group life insurance plans may be sponsored by employers, _____________, credit unions, ________ and any other organization formed for a reason other than ________
- An insured will collect ___________ of the monthly income benefit while partially disabled __________ or a maximum of _________
- Unless specifically requested as part of the contract or __________, the estate or heirs of a deceased beneficiary will not ____________ in this case
- An insurance company will ____________ if the agent submits an incomplete application
- Credit disability can be purchased to help make __________ if the insured were to ever become __________