Fred Bought Life Insurance Five Years Ago

question 28

Multiple Choice

Fred bought life insurance five years ago. He forgot to tell them that he had a heart condition, and, as a result of that condition, he recently died. Which of the following provisions prevents the life insurance company from refusing to pay his beneficiaries because of his original fraudulent misrepresentation?

• A) Incontestability clause
• B) Misstatement of age provision
• C) Naming a beneficiary
• D) Policy reinstatement
• E) The grace period

Gain narrative competence for generating a client's life portrait through counseling skills.

Outline the phases of counseling described by Savickas and the role of counselors in each.

Understand and differentiate between product costs and period costs.

Calculate total product and period costs based on production or sales units.

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Definitions:

Thrombin

A blood plasma enzyme responsible for blood clot formation by changing fibrinogen into fibrin.

Ions

Atoms or molecules with a net electric charge due to the loss or gain of one or more electrons.

Osmosis

The movement of water molecules through a semi-permeable membrane from a region of lower solute concentration to a region of higher solute concentration.

Membrane Potentials

The electrical potential difference across a cell's plasma membrane, critical for the propagation of nerve impulses and muscle contraction.