General Information Agent Quiz

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Quizzes Created: 1 | Total Attempts: 94
| Attempts: 94
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  • 1/20 Questions

    Which Group A members are not eligible for Accidental Death coverage for themselves or a beneficiary?

    • Those who have a No. 7 policy.
    • Those who already have Accidental Death coverage from another job insurance provider.
    • Those who have filed a claim within the past three years.
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About This Quiz


This quiz is intended to test the general knowledge of LECMPA sales agents. The agent who scores the highest on this quiz will win a Red Ox grip embroidered with the LECMPA logo. Tie breaker will be determined by the agent who finishes the quiz in the shortest amount of time.

General Information Agent Quiz - Quiz

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  • 2. 

    True or False. LECMPA is the only job income protection company that is regulated by a state insurance commission.

    • True

    • False

    Correct Answer
    A. True
    Explanation
    LECMPA stands for the Laborers' Employers Cooperation and Education Trust (LECET) Military Police Association (MPA). It is a job income protection company that is regulated by a state insurance commission. This means that LECMPA operates under the guidelines and regulations set by the state insurance commission, ensuring that it meets the necessary standards and provides reliable job income protection services. Therefore, the given answer that LECMPA is the only job income protection company regulated by a state insurance commission is correct.

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  • 3. 

    True or False. LECMPA only offers premium discounts to members who pay with payroll withdrawal. 

    • True

    • False

    Correct Answer
    A. False
    Explanation
    Semi-annual and annual premium discounts are only available to members paying with a credit card or a checking account.

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  • 4. 

    How far in advance can members pay their dues? 

    • 6 months

    • 12 months.

    • 18 months.

    Correct Answer
    A. 12 months.
    Explanation
    Members can pay their dues up to 12 months in advance. This means that they have the option to pay for a whole year's worth of dues upfront, giving them the convenience of not having to worry about monthly payments for an extended period of time. This allows members to plan and budget their finances accordingly, and ensures that they stay current with their membership fees.

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  • 5. 

    Which of the following is NOT a benefit of being a Mutual Insurance Company?

    • Company issues binding insurance contracts.

    • Our shareholders expect more profit.

    • The company is supervised by the state insurance department.

    • Company must make public filings about finances and operations.

    Correct Answer
    A. Our shareholders expect more profit.
    Explanation
    A Mutual Insurance Company is owned by its policyholders rather than shareholders, which means that the company's main focus is on providing benefits to its policyholders rather than maximizing profits for shareholders. Therefore, one of the benefits of being a Mutual Insurance Company is that there is no expectation from shareholders for higher profits.

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  • 6. 

    True or False. The amount of a member’s Loyalty Appreciation Bonus check is influenced by whether or not that member has ever collected on a claim. 

    • True

    • False

    Correct Answer
    A. False
    Explanation
    A member’s Loyalty Appreciation Bonus check is calculated based only on their years of membership and their daily rate of coverage. Filing a claim has no affect on the Loyalty Appreciation Bonus.

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  • 7. 

    True or False. Some other job insurance providers will limit coverage if a waiver is signed?

    • True

    • False

    Correct Answer
    A. True
    Explanation
    Some other job insurance providers may limit coverage if a waiver is signed. This means that by signing a waiver, individuals may be agreeing to certain conditions or restrictions that could limit the extent of their coverage. It is important for individuals to carefully review and understand any waivers they are asked to sign in order to ensure they are aware of any potential limitations on their insurance coverage.

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  • 8. 

    Which of the following is NOT required when filing a claim? 

    • An explanation of the incident resulting in discipline.

    • A witness statement.

    • A copy of the charge letter.

    • A current credit report.

    Correct Answer
    A. A current credit report.
    Explanation
    When filing a claim, an explanation of the incident resulting in discipline is required in order to provide context and details about the situation. A witness statement is also necessary to support the claim and provide additional evidence. A copy of the charge letter is needed to show the official notification of the charges being filed. However, a current credit report is not required when filing a claim as it is unrelated to the incident and discipline being reported.

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  • 9. 

    Which selling feature below puts LECMPA in a league of its own? 

    • On and off the job coverage.

    • Accidental death coverage for the beneficiary.

    • Loyalty Appreciation Bonus begins accrual after 5 years.

    • Provides annual and semi-annual premium discounts.

    • All of the above.

    Correct Answer
    A. All of the above.
    Explanation
    All of the above options are selling features that set LECMPA apart from other options. On and off the job coverage ensures that the policyholder is protected both at work and outside of work. Accidental death coverage provides additional financial support for the beneficiary in case of an accidental death. The Loyalty Appreciation Bonus rewards policyholders for their loyalty by offering benefits after 5 years. Lastly, the annual and semi-annual premium discounts make the policy more affordable for the policyholder.

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  • 10. 

    True or False. A new member who selects a No. 7 Schedule 2 policy can expect coverage on a 60 day claim that occurred in March of his 1st year, and also expect coverage for another 60 day claim in October of that same year.  This is because the No. 7 Schedule 2 policy has a key selling feature of reverting back to face value upon reinstatement.

    • True

    • False

    Correct Answer
    A. True
    Explanation
    A new member who selects a No. 7 Schedule 2 policy can expect coverage on a 60 day claim that occurred in March of his 1st year and also expect coverage for another 60 day claim in October of that same year. This is because the No. 7 Schedule 2 policy has a key selling feature of reverting back to face value upon reinstatement. This means that after the policy is reinstated, the coverage will start again as if it was a new policy, providing coverage for the specified time period. Therefore, the statement is true.

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  • 11. 

    How do you calculate the daily rate a member can carry?

    • Divide their gross monthly wage by 30.

    • Multiply their average daily wage by 25.

    • Add the member's daily wage plus any per diem and multiply by 30.

    Correct Answer
    A. Divide their gross monthly wage by 30.
    Explanation
    The correct answer is to divide their gross monthly wage by 30. This calculation assumes that there are 30 days in a month and provides the daily rate that a member can carry based on their monthly wage.

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  • 12. 

    True or False. If a member receives back pay from the Public Law Board, he or she must pay back LECMPA for any money they received from their claim. 

    • True

    • False

    Correct Answer
    A. False
    Explanation
    When a member is awarded back-pay from the public law board after an appeal, LECMPA does not require repayment of dispersed claim money. (Excludes leniency reinstatement agreements.)

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  • 13. 

    True or False. LECMPA requires a decertified conductor or engineer to take any available position, even if it pays less, in order to collect on a claim.

    • True

    • False

    Correct Answer
    A. False
    Explanation
    If an engineer or conductor is decertified, LECMPA will pay their full daily rate for any approved claim or the difference up to their insured daily rate if a different position with lower pay is accepted. LECMPA does not require a decertified member to accept any position.

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  • 14. 

    Which is not a valid reason to inactivate a policy? 

    • Medical leave.

    • Suspension due to discipline.

    • Military leave.

    • Furlough.

    • Taking an exempt position.

    Correct Answer
    A. Suspension due to discipline.
    Explanation
    The reason "Suspension due to discipline" is not a valid reason to inactivate a policy because disciplinary actions should not affect the status of a policy. Policies are typically inactivated for reasons such as medical leave, military leave, furlough, or when an individual takes an exempt position. However, disciplinary actions should be dealt with separately and should not impact the status of a policy.

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  • 15. 

    Which of the following is NOT a qualification for coverage with LECMPA? 

    • Must have 5 years in your current position.

    • Must not be on any type of probation.

    • Must be discipline free for the three years preceding your application.

    • Must be a union worker in the transportation industry.

    Correct Answer
    A. Must have 5 years in your current position.
    Explanation
    The correct answer is "Must have 5 years in your current position." This is because the other three qualifications listed are necessary for coverage with LECMPA. The individual must not be on probation, must be discipline free for the three years prior to the application, and must be a union worker in the transportation industry. However, having 5 years in the current position is not a requirement for coverage with LECMPA.

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  • 16. 

    True or False. Claim payments are made on the 1st and 15th of every month.

    • True

    • False

    Correct Answer
    A. False
    Explanation
    Payments are made every Wednesday and typically appear in a member’s bank account by Friday each week.

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  • 17. 

    Who is the first person you should contact with a question about LECMPA job insurance?  

    • A fellow agent.

    • President Susan Tukel.

    • Your state manager.

    • The appropriate Home Office employee.

    Correct Answer
    A. Your state manager.
    Explanation
    The correct answer is your state manager. The state manager is the person responsible for overseeing the LECMPA job insurance in your specific state. They have the knowledge and authority to answer any questions you may have regarding the insurance policy.

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  • 18. 

    True or False. Any Premier policy automatically qualifies for $50,000 in accidental death coverage for the policyholder and their beneficiary. 

    • True

    • False

    Correct Answer
    A. False
    Explanation
    Policy holders with Premier 120 or 180 policies must have at least $102/day in coverage to qualify for the full $50,000 Accidental Death benefit.

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  • 19. 

    If a member with a Premier 120 policy serves 30 days of a 60-day suspension in December and the remaining 30 days in January, how many covered days will the member have left for that year?

    • 120.

    • 90.

    • 60.

    Correct Answer
    A. 90.
    Explanation
    If a member with a Premier 120 policy serves 30 days of a 60-day suspension in December and the remaining 30 days in January, they will have a total of 60 days of suspension. Since the policy provides coverage for 120 days, subtracting the 60 days of suspension from the total coverage days gives us 60 days left for that year. Therefore, the member will have 90 covered days left.

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  • 20. 

    After maintaining a paid membership for five years with $102 per day of coverage, how much will a member’s loyalty payment increase each year? 

    • $40

    • $50

    • $60

    Correct Answer
    A. $60
    Explanation
    The loyalty payment will increase by $60 each year. This can be inferred from the information given in the question, which states that the member has maintained a paid membership for five years with $102 per day of coverage. Since the question does not provide any specific information about the loyalty payment, we can assume that it increases by a fixed amount each year, which is $60 based on the given options.

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Quiz Review Timeline (Updated): Nov 15, 2023 +

Our quizzes are rigorously reviewed, monitored and continuously updated by our expert board to maintain accuracy, relevance, and timeliness.

  • Current Version
  • Nov 15, 2023
    Quiz Edited by
    ProProfs Editorial Team
  • Sep 20, 2013
    Quiz Created by
    Lecmpa

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