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Many insurers offer a waiver of premium rider that also includes

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Is a legitimate ERISA Self-Insurance plan necessarily an insurance plan subject to state regulation?Choose one answer. a. A genuine single-employer ERISA plan is not subject to direct state insurance regulation b. A legitimate ERISA Self-Insurance plan is never deemed to be insurance c. None of these answers are d. A legitimate ERISA Self-Insurance plan is always deemed to be insurance

The insured has a Commercial General Liability policy written on a Claims Made basis. During the policy term an incident occurred and was reported to the agent. No claim was made until two years after expiration of the policy and after coverage had been renewed by another insurer. Which of the following describes how the insurer will respond?Choose one answer. a. The claim will be denied because the claim was not presented during the policy period b. The claim will be denied because the Statute of Limitations has expired c. The claim will be paid by the current insurance company d. The claim is covered by the carrier at the time of the incident since the incident was reported during the policy period and the claim was made within five years of expiration of the claims made policy

Self-insurance is:Choose one answer. a. A plan administered by or for the Federal Government b. A plan established for the purpose of providing for employees' or their beneficiaries' accident, disability or death benefits c. A plan covering fewer than 10 employees d. A plan, which provides for continuing employees' regular compensation during illness or disability

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