Question

1. what is a non - union ad&d certificate worth after an accidental death?

your answer

1. what is the family health services discount program? select all that apply.

a replacement for our clients existing health insurance
an app for a smart phone
our way of helping our members save on out - of - pocket medical expenses
a way to bridge the gap our clients have in health insurance while theyre between jobs

1. what is a will & testament? select all that apply.

a set of instructions for an executor to follow
\better\ than a trust
a list of final wishes
something that prevents an estate from going to probate

1. which type of life insurance is permanent?

term life
temporary life
whole life
permanent life
group life

Explanation:

Question 12

A non - union Accidental Death & Dismemberment (AD&D) certificate typically pays a benefit (the face value of the certificate) to the beneficiary if the insured dies due to an accident. The value is the benefit amount specified in the certificate (e.g., a $100,000 AD&D certificate would pay $100,000 for an accidental death, subject to policy terms).

• “A replacement for our client’s existing health insurance” is incorrect. Discount programs are not insurance replacements.
• “An app for a smart phone” is incorrect. It’s a discount program, not an app.
• “Our way of helping our members save on out - of - pocket medical expenses” is correct. These programs offer discounts on medical services to reduce out - of - pocket costs.
• “A way to bridge the gap our clients have in health insurance while they’re between jobs” is correct. It helps fill gaps when insurance is temporary or lacking.

• “A set of instructions for an executor to follow” is correct. A will tells the executor how to distribute assets.
• “‘Better’ than a trust” is incorrect. Wills and trusts have different uses; one isn’t inherently better.
• “A list of final wishes” is correct. It can include personal and financial final wishes.
• “Something that prevents an estate from going to probate” is incorrect. Wills typically go through probate.

Answer:

The worth of a non - union AD&D certificate after an accidental death is the benefit amount (face value) specified in the certificate, paid to the beneficiary as per the policy’s terms.

Question 13