When an Insured Specifically Requests a Certain Kind of Coverage

question 46

Multiple Choice

When an insured specifically requests a certain kind of coverage when applying for insurance and is not told it is not available, that coverage likely exists, even if the policy wording states otherwise, because the agent implied such coverage at the time of sale, and the insurer cannot deny it.Which of the following best explains this situation?

• A)Escrow
• B)Waiver
• C)Escheat
• D)Duress
• E)Estoppel

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Definitions:

Binge Episode

An occurrence where an individual consumes an excessive amount of food in a short period of time, often feeling a lack of control during the episode.

Cognitively Sluggish

Experiencing a slowed or impaired ability to process information, think clearly, or make decisions.

Guilty

The feeling or acknowledgment of having done something wrong or committed an offense, either legally or morally.

Unsatiated

A feeling of not having one's desires or needs fulfilled.