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Life Insurance (11.3, 11.4)

Total questions: 21

Worksheet time: 12mins

Name
Class
Date
1.
The person who gets the money when the insured person dies is called?
a)
Beneficiary
b)
Rate
c)
Term Insurance
d)
Face Value
2.
What is the amount of money a policy is worth called?
a)
Term life insurance
b)
Face value
c)
Renewable insurance
d)
Whole life insurance
3.
What is life insurance?
a)
Insurance that insures your own life
b)
Insurance that insures your car
c)
Insurance that insures your home
d)
Money that is paid to you to live
4.
Term coverage allows a person to be insured for their entire life.
a)
True 
b)
False
5.
This life insurance has a savings feature.
a)
Term life insurance
b)
Whole life insurance
6.

Dan Cooper’s life insurance coverage expires on Dec. 31, 2020

a)

Term

b)

Perm

7.

Doris Mann’s policy from Acme Insurance Co. currently has a cash value of $4,782.68

a)

Term

b)

Perm

8.

Alice Yates’ life insurance policy doesn’t have any value unless she dies during the policy term.

a)

Term

b)

Perm

9.

When do you need life insurance?

a)

If you're married

b)

If you're a single parent

c)

If you have kids

d)

If you don't have a spouse and/or kids

e)

You don't need it.

10.

Who gets your death benefit once you die?

a)

Insurance Company

b)

Business Partner

c)

Your Beneficiaries

d)

Your Pets

e)

Charity

11.

What should you do when your partner is not covered by health insurance and you are?

a)

See if you can add him/her to your health insurance policy.

b)

Help him/her find a health insurance policy through their job.

c)

Do nothing.

d)

Find your own health insurance policy outside of work.

12.

What is true about health insurance?

a)

It's expensive

b)

It's complicated

c)

There's too many options to choose from

d)

It's optional

e)

It's easy to pick the right plan

13.

How can you get covered by health insurance?

a)

Through your job

b)

Through your partners job

c)

Through outside plans

d)

You are always covered since birth

14.
Why do most people invest in life insurance polices?
a)
To provide them with a way of protecting their assets, like savings and investments
b)
To replace the lost income to their families after they die
c)
To pay for final expenses, like funerals
d)
All of these
15.
Who usually pays more for life insurance?
a)
Men
b)
Women
16.
Which of the following people do you think would need life insurance the most?
a)
A single working mom with two kids
b)
A single college grad without dependents starting his first job
c)
A single wealthy businesswoman without dependents
d)
An elderly retired man with a wife who is also retired
17.
An insurance policy can provide more than a death benefit.
a)
True
b)
False
18.
A 45 year old man with a full time job, a wife who works part-time, and three children under 12 is considering buying life insurance.  Which of the factors below should have the most influence on his decision?
a)
His age
b)
His financial status
c)
His family
d)
His employer
19.

The total cost of buying insurance, usually per year

a)

Premium

b)

coverage

c)

deductible

d)

policy

20.

What is the main purpose of insurance?

a)

to follow the law

b)

to get weathly

c)

For investment purposes

d)

To reduce risk

21.
Can life insurance companies charge smokers more money for life insurance than nonsmokers?
a)
Yes
b)
No