KY Property and Casualty Insurance Pre-Licensing Exam Questions and Answers.

0134567489   894 7
3477  785  
 
74



!"#$%"&'&()**
(+&,-./
*.'0%123&"#04%56&6!&7&8!""&
*1"9&'&()**
(+&,-./
*.'5:725%;!""101816<&!=&8!""&
>7?&!=&>7$3%&-#@0%$"&'&()**
(+&,-./
*.'6:%&@!$%&2#@0%$"&#"%A&12&7&"6761"615B&6:%&@!$%&
755#$76%&6:%&"6761"615&?188&0%&
C#$%&$1"9&'&()**
(+&,-./
*.'!28<&6:%&!""101816<&!=&8!""&
.%5#8761D%&$1"9&'&()**
(+&,-./
*.'7&"16#761!2&12&?:15:&%16:%$&$!=16&!$&8!""&1"&!""108%&
*1"9&E7273%@%26&.6$76%31%"&'&()**
(+&,-./
*.',D!1AB&*%A#5%B&*%6712B&.:7$%B&+$72"=%$&
C%$18&'&()**
(+&,-./
*.'57#"%&!=&8!""&
F7G7$A&'&()**
(+&,-./
*.'125$%7"%"&6:%&5:725%&!=&8!""&
C:<"1578&:7G7$A&'&()**
(+&,-./
*.',&6723108%&5:7$756%$1"615&!=&$!%$6<B&%$"!2"B&!$&
!%$761!2"&6:76&6%2A"&6!&125$%7"%&6:%&=$%H#%25<&!$&"%D%$16<&!=&8!""I&
E!$78&:7G7$A&'&()**
(+&,-./
*.'07"%A&!2&7&%$"!2J"&D78#%"&72A&%6:15"I&,&!815<:!8A%$&@7<&
766%@ 6&6!&5$%76%&7&8!""&!2&#$!"%&12&!$A%$&6!&679%&7AD72673%&!=&72&12"#$725%&5!@ 72<I&
E!$78%&:7G7$A&'&()**
(+&,-./
*.'A%78"&@!$%&?16:&57$%8%""2%""&!$&1$$%"!2"101816<&
>!""&'&()**
(+&,-./
*.'6:%&A1"7 %7$725%&!$&A%5$%7"%&12&D78#%&!=&7&1%5%&!=&$!%$6<&
K1$%56&8!""&'&()**
(+&,-./
*.'>!""&6:76&1"&7&A1$%56&$%"#86&!=&7&%$18B&"#5:&7"&=1$%I&
L2A1$%56&!$&5!2"%H#%26178&8!""&'&()**
(+&,-./
*.'7&=12725178&8!""&6:76&$%"#86"&12A1$%568<&=$!@&
6:%&!55#$$%25%&!=&7&A1$%56&:<"1578&A7@73%&!$&6:%=6&8!""&
L2"#$725%&'&()**
(+&,-./
*.'6:%&6$72"=%$%25%&!=&$1"9&
C$!%$6<&12"#$725%&'&()**
(+&,-./
*.'7&6?!&7$6<&5!26$756&12&?:15:&6:%&12"#$%A&M=1$"6&7$6<N&
#$5:7"%"&$!6%561!2&=$!@&6:%&12"#$%$&M"%5!2A&7$6<N&73712"6&8!""&6!&$!%$6<&=$!@&7&5!D%$%A&
%$18&
(7"#786<&12"#$725%&'&()**
(+&,-./
*.'1258#A%"&81701816<&12"#$725%B&:7"&O&7$61%"P&6:%&12"#$%AB&
12"#$%$B&72A&6:%&124#$%A&6:1$A&7$6<&

,012314156189 28 25 25685255255 595189 2
21895
8
41
852
2
85285 256

9824189 28 195 5188!9 98248 9


124189 28 5 59239189928159"9 9
#89 234185 9551828124185 952818112429182 56
#8
8112518$5
2%&4$

2895255189 19 95 5581518155499
01
150123141562416!941
15 9891314156'5
955416
&144262
189152518
 8 41
152
2"1

41
15&15182416281932982
51
5416199(5
955416&144262868 8 



2541
155
955252416&14426&1518241662
#89 525652554161991
855 52
218952499
69189 982
189 '189 36 181518'2151824
189 '19582
189 
"49182 14199 525&144853 362416
69"49189252951' 49& '"435
2214234' 152344999
89
8591 9191892554165
164216
5 2
' 29282151824  
1

013 241)2518429244&95189 5"5832 4
19425

425 2
952 85416(28852 55
1
9
991
8
8552991
8
11
595285 256
28 442518&85416 2
89155"1251825
85416
8 8&24&85189 28 
28699855 8&5
416293 8199 
 51125#89 28  155818 9&18
52528189 28 
416411923 8199 
 185298288" 585 94518
182
2
18* 6

,0112334514780998  97114544555445155223
55
825435234780998  975234
14543445453
34
34454
41
5


!780998  971
5
5234

3453"4332

543
1"1
5
780998  975235141
5
54
1"435
3443#$41244
1
434522
3414445%4
321
541
5
3434
433455
31
5
&221
5
780998  971
5
54

1
43#5144
1

54334145445%34
4334
31
5
321'1
5

94235

342780998  97445
3
31
5
321
(3
342780998  973"75434)4*
454
'+,451552354445#780998  97324
'+,4
75234353454353"#780998  97+4
9"3445532
34
3
780998  974
7523514
33
94523514780998  97
3
523514444552343
9452351443780998  971451
5
%251
5

9452351434
780998  9743444544454145525
1
5

-4152343780998  9755234335.425434
4
+34552343780998  9755234335.425434
5434
4552343780998  9755234335.425434
5431253

23.4'452343780998  97552343454351
523514544%51
445

5155
3515523514
/523.4'55452343780998  975523435454
351523514544
8531780998  975344454445
34%433535
153115
044445,780998  971
445
34'4
1
1
%4
23
4%

431114
514234445%515435

, 0123445789 11  813778 3411143

18

1
985
73445931513 4
73 

38

185!
8
13
8891
28
"3411#73211
11137358
1
78 37
$1#7321
813 4
73 %78
13
8& 1789 352
"11
89
1835!
'98(88)3
7871 8
1
113
1
3337
8 
*87
18
138341#173
8 1
184134181#17
1
371789 358
4

441
84
23
8
3138341
35
33 5389
18233 11378

88
78"1321
111 3
8 18118
13 4
73 %+8
4121
,
111 3
839
834
1
,31
343191 891
2331
371789 3511
3
318
&1

893
8
843"13

1718
184
75
3
1
8713491 

28

84
21
)3
1
8349
111 3
883+13"3 3218
381
441234
)
7
3589181
8
18
41
889181141%

371
-31878 3743
&378 3781828
81

17
4!!!3
1
1321191 
789 411!
$ 1
9

2321191 3321191 
81789 3588"
1
78"13218174
1 

41
44789 41
211


2871
-

2171
.
1 19 835
991
3178"1321"1348

1

89
-
1731
11
35/73714&14371&1#
1
3371

78

37178 37/ 1834&78

834&
43134&
31
8&341385
*$**17433
8&$
2431&8

8&#74
8&*1



8
01% 3
1&815&1
4&89
1
3
"1 8"84 3
452
"13+8

2
8 14 8141234458 1
891
234181
87181%41234
2