Which of the Following Statements About Group Insurance Underwriting Principles

question 46

Multiple Choice

Which of the following statements about group insurance underwriting principles is true?

• A)Employees should be required to remit premiums directly to the insurance company.
• B)The average age of the group should ideally increase over time.
• C)A group should be formed for the specific purpose of obtaining insurance.
• D)A flow of people through the group is desirable.

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Definitions:

Schizophrenia

A long-term mental disorder involving a breakdown in the relation between thought, emotion, and behavior, leading to inappropriate actions and feelings, withdrawal from reality into fantasy and delusions, and a sense of mental fragmentation.

DSM-IV

The Diagnostic and Statistical Manual of Mental Disorders, Fourth Edition (DSM-IV), is a manual published by the American Psychiatric Association that outlines the standard criteria for the classification and diagnosis of mental disorders.

Daily Activities

encompasses all the tasks, routines, and rituals a person engages in throughout a typical day.

Agoraphobia

An anxiety disorder characterized by an intense fear of being in places where escape might be difficult or embarrassing, or help might not be available in the event of a panic attack.