215 - Insurance Quiz - Coopling.com.br

What is the primary purpose of insurance?

• To eliminate all risks.

• To transfer the financial burden of risks to an insurance provider.

• To prevent accidents and illnesses.

• To avoid paying for healthcare services.

What is a deductible in an insurance policy?

• The total amount of coverage provided.

• The amount paid periodically to maintain the policy.

• The out-of-pocket expense paid by the policyholder before insurance coverage begins.

• The fee charged by an insurance agent.

What type of insurance provides income replacement if you are unable to work due to illness or injury?

• Health insurance.

• Disability insurance.

• Long-term care insurance.

• Life insurance.

What is the main difference between term life insurance and whole life insurance?

• Term life insurance is more expensive than whole life insurance.

• Term life insurance provides coverage for a specific period, while whole life insurance offers lifelong coverage.

• Whole life insurance covers medical expenses, while term life insurance does not.

• Whole life insurance is only available to individuals over 50.

What factors influence the cost of health insurance premiums?

• The insured's age, health, and chosen deductible.

• The number of policyholders in a family.

• The country where the policyholder lives.

• The type of healthcare facility used.

What is the benefit of reviewing expert advice on property insurance?

• It guarantees the lowest possible premium.

• It helps you choose a policy with adequate coverage for your needs.

• It eliminates the need to compare policies from different insurers.

• It ensures you avoid natural disasters.

Why is it important to compare car insurance options and costs?

• To avoid purchasing insurance altogether.

• To select coverage that fits your budget and needs.

• To ensure your vehicle is always repaired for free.

• To comply with government regulations.

What should you consider when evaluating disability or long-term care insurance?

• The policyholder's occupation.

• The risk of disability or long-term care needs and policy limitations.

• The insurance company's reputation.

• The availability of free healthcare in your area.

How does the length of a life insurance policy impact its benefits?

• Longer policies offer better coverage for accidents.

• Term life policies cover a specific period, while whole life policies include a savings component and lifelong coverage.

• Short-term policies always cost less.

• Whole life policies are less expensive than term life policies.

What does property insurance typically cover?

• Medical expenses for the policyholder.

• Theft, fire, or natural disasters affecting personal property or a home.

• Accidents involving vehicles.

• General liability for business owners.