AFLAC ACADEMY INSURANCE EXAM ACL006-010 (TEST QUESTIONS AT THE END OF
EACH CHAPTER) GRADED A+
*A situation that arises during the sale of insurance coverage to a customer in which the producer's self
interest interferes with their obligation to act in the best interests of the customer is called:*
A. conflict of interest
B. dispute resolution
C. teachable moment
D. NONE of the ABOVE - (answer)*A. conflict of interest*
*Which of the following reasons is NOT a valid reason for replacing a customer's insurance coverage?*
A. rate increase
B. declining health status
C. need for increased coverage
D. NONE of the ABOVE - (answer)*B. declining health status*
*What MUST insurance producers have in the event of being sued for malpractice?*
A. personal savings
B. lawsuit and liability insurance coverage
C. errors and omissions insurance coverage
D. NONE of the ABOVE - (answer)*C. errors and omissions insurance coverage*
*National Sales Guidelines combine _____ and _____ for Aflac specific business protocol.*
A. Rules, exceptions
B. Procedures, direction
C. NONE of the above - (answer)*B. Procedures, direction*
,AFLAC ACADEMY INSURANCE EXAM ACL006-010 (TEST QUESTIONS AT THE END OF
EACH CHAPTER) GRADED A+
*If your local radio station requests an interview with you to discuss Aflac Insurance products in your
capacity as an Aflac sales producer, are you authorized to speak with the station?*
A. NO, only sales management are authorized to speak on behalf of Aflac
B. YES, every sales producer is designated a spokesperson for Aflac
C. NO, only individuals authorized by Aflac WorldWide Headquarters (WWH) are permitted to discuss
Aflac or its products with the media. - (answer)*C. NO, only individuals authorized by Aflac WorldWide
Headquarters (WWH) are permitted to discuss Aflac or its products with the media.*
*Purposely holding applications for contest qualification for yourself or others is
________________________________.*
A. allowable, if you are trying to qualify for Honors Clubs
B. frowned upon but acceptable
C. a prohibited practice - (answer)*C. a prohibited practice*
*Which example satisfies the requirement that a producer MUST be licensed to sell insurance in EACH
state in which the account resides PRIOR to soliciting insurance coverage to customers?*
A. Obtaining confirmation of your valid state insurance license to sell insurance in each state in which
the account resides prior to meeting with any customers about buying insurance coverage
B. Talking with friends and family about buying insurance coverage from you while you are studying for
the agent licensing test
C. Selling less than five insurance policies before receiving your insurance agent license
D. Selling three insurance policies in a neighboring state to the state where you have a valid agent's
license - (answer)*A. Obtaining confirmation of your valid state insurance license to sell insurance in
each state in which the account resides prior to meeting with any customers about buying insurance
coverage*
,AFLAC ACADEMY INSURANCE EXAM ACL006-010 (TEST QUESTIONS AT THE END OF
EACH CHAPTER) GRADED A+
*Which of the following is an example of agent fraud?*
A. requiring each applicant, including a spouse, to sign their own application.
B. Altering a customer's date of birth on an application
C. requiring a customer to review and acknowledge all disclosures during the application/enrollment
process.
D. NONE of the ABOVE - (answer)*B. Altering a customer's date of birth on an application*
*We create environments that are free from discrimination and harassment. This means
________________ toward other people, whether they are our Aflac teammates or external contacts.*
A. Engaging in inappropriate conduct
B. Allowing discrimination and harassment
C. Refraining from inappropriate conduct
D. NONE of the above - (answer)*C. Refraining from inappropriate conduct*
*If you provide false or misleading statements to Aflac regarding your insurance sales activity or
knowingly allowing false or misleading statements on a customers application for coverage or claim
form:*
A. your contract may be suspended
B. your contract may be terminated
C. ALL of the ABOVE - (answer)*C. ALL of the ABOVE*
*Prohibited Practices are __________________________________________.*
A) providing any cash returns in an effort to reduce premiums
B) watching the applicant sign the application
, AFLAC ACADEMY INSURANCE EXAM ACL006-010 (TEST QUESTIONS AT THE END OF
EACH CHAPTER) GRADED A+
C) both A and B
D) neither A and B - (answer)*A) providing any cash returns in an effort to reduce premiums*
*It is a Prohibited Practice to __________________________________________.*
A. refuse to accept premiums (other than the initial premium on direct) from policyholders.
B. submit unaltered forms and policy requests
C. collect any premiums (other than the initial premium on direct) without specific written authorization
from Aflac WWHQ
D. ALL of the ABOVE - (answer)*C. collect any premiums (other than the initial premium on direct)
without specific written authorization from Aflac WWHQ*
*Purposely holding applications for contest qualification for yourself or others is
___________________________________.*
A. allowable, if you are trying to qualify for Honor Clubs
B. frowned upon but acceptable
C. a prohibited practice - (answer)*C. a prohibited practice*
*In most states, children ____ years and under can be covered under Aflac policies.*
a. 19
b. 21
c. 23
d. 26 - (answer)*d. 26*
*Aflac coverage does not cover losses resulting from:*
EACH CHAPTER) GRADED A+
*A situation that arises during the sale of insurance coverage to a customer in which the producer's self
interest interferes with their obligation to act in the best interests of the customer is called:*
A. conflict of interest
B. dispute resolution
C. teachable moment
D. NONE of the ABOVE - (answer)*A. conflict of interest*
*Which of the following reasons is NOT a valid reason for replacing a customer's insurance coverage?*
A. rate increase
B. declining health status
C. need for increased coverage
D. NONE of the ABOVE - (answer)*B. declining health status*
*What MUST insurance producers have in the event of being sued for malpractice?*
A. personal savings
B. lawsuit and liability insurance coverage
C. errors and omissions insurance coverage
D. NONE of the ABOVE - (answer)*C. errors and omissions insurance coverage*
*National Sales Guidelines combine _____ and _____ for Aflac specific business protocol.*
A. Rules, exceptions
B. Procedures, direction
C. NONE of the above - (answer)*B. Procedures, direction*
,AFLAC ACADEMY INSURANCE EXAM ACL006-010 (TEST QUESTIONS AT THE END OF
EACH CHAPTER) GRADED A+
*If your local radio station requests an interview with you to discuss Aflac Insurance products in your
capacity as an Aflac sales producer, are you authorized to speak with the station?*
A. NO, only sales management are authorized to speak on behalf of Aflac
B. YES, every sales producer is designated a spokesperson for Aflac
C. NO, only individuals authorized by Aflac WorldWide Headquarters (WWH) are permitted to discuss
Aflac or its products with the media. - (answer)*C. NO, only individuals authorized by Aflac WorldWide
Headquarters (WWH) are permitted to discuss Aflac or its products with the media.*
*Purposely holding applications for contest qualification for yourself or others is
________________________________.*
A. allowable, if you are trying to qualify for Honors Clubs
B. frowned upon but acceptable
C. a prohibited practice - (answer)*C. a prohibited practice*
*Which example satisfies the requirement that a producer MUST be licensed to sell insurance in EACH
state in which the account resides PRIOR to soliciting insurance coverage to customers?*
A. Obtaining confirmation of your valid state insurance license to sell insurance in each state in which
the account resides prior to meeting with any customers about buying insurance coverage
B. Talking with friends and family about buying insurance coverage from you while you are studying for
the agent licensing test
C. Selling less than five insurance policies before receiving your insurance agent license
D. Selling three insurance policies in a neighboring state to the state where you have a valid agent's
license - (answer)*A. Obtaining confirmation of your valid state insurance license to sell insurance in
each state in which the account resides prior to meeting with any customers about buying insurance
coverage*
,AFLAC ACADEMY INSURANCE EXAM ACL006-010 (TEST QUESTIONS AT THE END OF
EACH CHAPTER) GRADED A+
*Which of the following is an example of agent fraud?*
A. requiring each applicant, including a spouse, to sign their own application.
B. Altering a customer's date of birth on an application
C. requiring a customer to review and acknowledge all disclosures during the application/enrollment
process.
D. NONE of the ABOVE - (answer)*B. Altering a customer's date of birth on an application*
*We create environments that are free from discrimination and harassment. This means
________________ toward other people, whether they are our Aflac teammates or external contacts.*
A. Engaging in inappropriate conduct
B. Allowing discrimination and harassment
C. Refraining from inappropriate conduct
D. NONE of the above - (answer)*C. Refraining from inappropriate conduct*
*If you provide false or misleading statements to Aflac regarding your insurance sales activity or
knowingly allowing false or misleading statements on a customers application for coverage or claim
form:*
A. your contract may be suspended
B. your contract may be terminated
C. ALL of the ABOVE - (answer)*C. ALL of the ABOVE*
*Prohibited Practices are __________________________________________.*
A) providing any cash returns in an effort to reduce premiums
B) watching the applicant sign the application
, AFLAC ACADEMY INSURANCE EXAM ACL006-010 (TEST QUESTIONS AT THE END OF
EACH CHAPTER) GRADED A+
C) both A and B
D) neither A and B - (answer)*A) providing any cash returns in an effort to reduce premiums*
*It is a Prohibited Practice to __________________________________________.*
A. refuse to accept premiums (other than the initial premium on direct) from policyholders.
B. submit unaltered forms and policy requests
C. collect any premiums (other than the initial premium on direct) without specific written authorization
from Aflac WWHQ
D. ALL of the ABOVE - (answer)*C. collect any premiums (other than the initial premium on direct)
without specific written authorization from Aflac WWHQ*
*Purposely holding applications for contest qualification for yourself or others is
___________________________________.*
A. allowable, if you are trying to qualify for Honor Clubs
B. frowned upon but acceptable
C. a prohibited practice - (answer)*C. a prohibited practice*
*In most states, children ____ years and under can be covered under Aflac policies.*
a. 19
b. 21
c. 23
d. 26 - (answer)*d. 26*
*Aflac coverage does not cover losses resulting from:*
