AINS 101 SIMULATED EXAM CERTIFICATION
EVALUATION 2026 QUESTIONS WITH
PRACTICE SOLUTION GRADED A+
◉ When preprinted forms do not provide the terms of coverage
needed by a particular insured or small group of insureds, the
insurer may. Answer: Draft a manuscript form to meet the
customer's needs
◉ Which one of the following types of insurance policies would be
most likely to incorporate state-specific statutory terms? Answer:
Workers compensation
◉ Every insurance policy includes how many main provisions?
Answer: Five
◉ Which one of the following is true concerning the provisions in an
insurance policy? Answer: The insuring agreement states the
insurer's promises to the insured
◉ Robin, a producer from Grantley Insurance, is always alert to
changes in her clients' loss exposures. Why is this so important?
Answer: Implemented risk management techniques may prove to be
ineffective or become obsolete.
,◉ Waycroft Industries is working with their insurance producer
Graydon Murphy. Graydon and the risk managers at Waycroft have
already completed the first step of the risk consultation process. The
second step of the process is Answer: Comparing an organization's
results with established performance standards.
◉ Private insurers are reluctant to provide windstorm insurance on
coastal properties. This is because the loss exposures fail to meet the
criterion that ideally insurable exposures must be Answer:
Independent and not catastrophic
◉ Claims supervisor Charlotte is reviewing the incoming claims for
the day to decide which ones to assign to various claims reps. Of
those claims, which one of the following descriptions will Charlotte
find is an example of a fortuitous loss? Answer: An unknown vandal
spray-paints graffiti on the insured's garage.
◉ An insurer will make a loss payment if an insured loss occurs and
if the insured performs certain duties. This illustrates that an
insurance policy is a Answer: Conditional contract
◉ Damages for disfigurement are a form of Answer: General
damages
, ◉ Which one of the following best explains the optimal relationship
of insurance customer Sandy, producer Monica, and claims
representative Eduardo? Answer: Loss run
◉ Greta is a customer service representative with the Highland
Partners Insurance. Which one of the following best describes her
job duties? Answer: Greta's superior service contributes to
attracting new customers to HPI
◉ Lacey is a customer service representative (CSR) who has been
employed by Greeley Insurance for five years. She worked in
Greeley's call center for just a year when she was moved to a busy
insurance office staffed primarily with claims representatives and
producers. As she continues her exemplary service to Greeley and its
customers, which one of the following best describes how she
supports her fellow insurance professionals in her role as a CSR?
Answer: Lacey has been trained to replicate many of the activities
performed by producers.
◉ Understanding the steps in the claims handling process is
important to new claims reps. Which one of the following steps
generally comes after investigating and documenting the claim and
before concluding the claim? Answer: Determining cause of loss and
loss amount
◉ As a single mother on a very tight budget, Ciara is tempted to
skimp on her insurance. However, her friend Mehmet tells her not to
EVALUATION 2026 QUESTIONS WITH
PRACTICE SOLUTION GRADED A+
◉ When preprinted forms do not provide the terms of coverage
needed by a particular insured or small group of insureds, the
insurer may. Answer: Draft a manuscript form to meet the
customer's needs
◉ Which one of the following types of insurance policies would be
most likely to incorporate state-specific statutory terms? Answer:
Workers compensation
◉ Every insurance policy includes how many main provisions?
Answer: Five
◉ Which one of the following is true concerning the provisions in an
insurance policy? Answer: The insuring agreement states the
insurer's promises to the insured
◉ Robin, a producer from Grantley Insurance, is always alert to
changes in her clients' loss exposures. Why is this so important?
Answer: Implemented risk management techniques may prove to be
ineffective or become obsolete.
,◉ Waycroft Industries is working with their insurance producer
Graydon Murphy. Graydon and the risk managers at Waycroft have
already completed the first step of the risk consultation process. The
second step of the process is Answer: Comparing an organization's
results with established performance standards.
◉ Private insurers are reluctant to provide windstorm insurance on
coastal properties. This is because the loss exposures fail to meet the
criterion that ideally insurable exposures must be Answer:
Independent and not catastrophic
◉ Claims supervisor Charlotte is reviewing the incoming claims for
the day to decide which ones to assign to various claims reps. Of
those claims, which one of the following descriptions will Charlotte
find is an example of a fortuitous loss? Answer: An unknown vandal
spray-paints graffiti on the insured's garage.
◉ An insurer will make a loss payment if an insured loss occurs and
if the insured performs certain duties. This illustrates that an
insurance policy is a Answer: Conditional contract
◉ Damages for disfigurement are a form of Answer: General
damages
, ◉ Which one of the following best explains the optimal relationship
of insurance customer Sandy, producer Monica, and claims
representative Eduardo? Answer: Loss run
◉ Greta is a customer service representative with the Highland
Partners Insurance. Which one of the following best describes her
job duties? Answer: Greta's superior service contributes to
attracting new customers to HPI
◉ Lacey is a customer service representative (CSR) who has been
employed by Greeley Insurance for five years. She worked in
Greeley's call center for just a year when she was moved to a busy
insurance office staffed primarily with claims representatives and
producers. As she continues her exemplary service to Greeley and its
customers, which one of the following best describes how she
supports her fellow insurance professionals in her role as a CSR?
Answer: Lacey has been trained to replicate many of the activities
performed by producers.
◉ Understanding the steps in the claims handling process is
important to new claims reps. Which one of the following steps
generally comes after investigating and documenting the claim and
before concluding the claim? Answer: Determining cause of loss and
loss amount
◉ As a single mother on a very tight budget, Ciara is tempted to
skimp on her insurance. However, her friend Mehmet tells her not to
