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:

Prime Mover

In philosophy, the first cause or initial source of motion in the universe; in physiology, the muscle primarily responsible for a particular movement.

Important Life Tasks

Essential activities or goals that an individual considers significant for personal satisfaction and well-being, often including career, relationships, and personal growth.

Sexuality

The capacity for sexual feelings, activities, and orientations, encompassing a broad spectrum of identities and behaviors.

Anxiety's Primary Purpose

The fundamental role of anxiety, which is to signal to the individual that there is a potential threat, prompting a response.