2016 Afua Pre Assesment Results
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- 1.How old must a client be to qualify for the Allstate Basic Term?
- A.
Between the ages of 16 and 60
- B.
Between the ages of 18 and 45
- C.
You can be any age to qualify for a basic term
- D.
Between the ages of 20 and 80
- 2.How many Primary Term layers are allowed on a TrueFit Policy?
- A.
1
- B.
4
- C.
5
- D.
3
- 3.What product is used when quoting through the Home + Life process?
- A.
Basic Term
- B.
Truefit
- C.
Allstate homeowners life insurance
- D.
The Bridge
- 4.You can find life leads on the ALR Splash Page.
- A.
True
- B.
False
- 5.What are the three databases used when underwriting a Basic Term application?
- A.
CBC, MIB, and Prescription
- B.
MIB, MLB, and MVR
- C.
MVR, MIB, and Prescription
- D.
TTT, CBC, and MLB
- 6.How many Basic Term policies are allowed per customer?
- A.
One
- B.
Two
- C.
As many as you want
- D.
Four
- 7.If you are looking for simple, affordable protection that gives you the largest amount of coverage at a low initial cost, what type of policy is best for you?
- A.
Whole Life
- B.
Universal Life
- C.
Term Insurance
- D.
All of the above
- 8.The conversion privilege on a Truefit policy is available for how long?
- A.
The first year only
- B.
10 years
- C.
As long as the insured is insurable
- D.
15 years or the anniversary after age 65 whichever is earliest
- 9.What does D.I.M.E. stand for?
- A.
Debt, Income, Mortgage, Expenses
- B.
Dogs, Invocies, Money, Extras
- C.
Debt, Income, Money, Extras
- D.
Donations, Income, Mortgages, Everything else
- 10.Which of the following products give you lifelong protection if properly funded?
- A.
Truefit
- B.
Basic
- C.
Permanent products
- D.
All of the above
- 11.When is the best time to ask our clients about Life Insurance?
- A.
Only when they ask
- B.
When we can fird the time
- C.
When we know all there is to know about life insurance
- D.
Today
- 12.There is a discount on your auto insurance if you bundle life insurance with it.
- A.
True
- B.
False
- 13.Which of the following would be an example of a Life Event?
- A.
Attending a Taylor Swift concert
- B.
Your young chld takes his or her first step
- C.
Getting Married
- D.
Taking a Caribbean cruise
- 14.Why would you sell life insurance for a juvenile?
- A.
Because juveniles have a lot of money
- B.
To make grandparents happpy
- C.
To make sure the parents standard of living won't be diminished
- D.
To establish future insurability
- 15.The Green Sheets will increase my AF sales by....
- A.
Reviewing all of the items that you currently have insured with the client
- B.
Finding out if they own a motorcycle
- C.
Verifying where they live and their email address
- D.
Finding out if they have any life insurance outside of an employer plan
- 16.Which of the following is true about Truefit?
- A.
Minimum death benefit ages 18-45 is $200,000
- B.
Any term period can be chosen from 10 to 30 years
- C.
Minimum death benefit ages 46 and up is $50,000
- D.
All of the above
- 17.The following is a way to uncover potential life leads..
- A.
Life leads on the ALR Splash Page
- B.
Use the Green Sheet process with all of your clients
- C.
Ask every person you talk to (no matter what)
- D.
All of the above
- 18.Which of the following is true about a counter offer for Basic Term?
- A.
Allstate will counter offer coverage of $75,000 at a rated price.
- B.
The counter offer is good for 30 days
- C.
Counter offers are not available for Basic Term
- D.
If the client accepts the offer in 7 days they recieve a 10% discount
- 19.Who is responsible to sell Life Insurance in your agency?
- A.
Your EFS
- B.
The Agent
- C.
LSPs
- D.
Everyone
- 20.When we ask people if they have changed jobs in the last 5 years we are trying to establish
- A.
If they are a good risk for an auto policy
- B.
What industry they work in
- C.
If they have 401K money with a previous employer
- D.
What their current income is
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