AINS 102 SCRIPT 2026 FULL SOLVED
CONTENT
◉Roger and Sarah sold their house and plan to travel around the
world for one year. They placed their furniture and appliances in
storage and will take luggage and cameras on their trip. Sarah will
travel with her diamond engagement ring. Jeff, their insurance agent,
canceled their homeowners policy soon after the house was sold.
Which one of the following types of personal inland marine forms
should Jeff recommend to Roger and Sarah to best protect Sarah's
diamond ring during the trip?
Select one:
A. Personal Articles Standard Loss Settlement Form
B. Personal Property Form
C. Personal Property Replacement Cost Loss Settlement
Endorsement
D. Tenant Homeowners Form. Answer: B. The emergency program.
◉The Personal Effects Form is specifically designed for
Select one:
A. Frequent travelers.
B. Homeowners.
,C. Salespersons.
D. Financial institutions.. Answer: A. Frequent travelers.
◉Lynne purchased a 52-foot motorboat and would like to cover it
for physical damage and liability coverage. Lynne most likely will
purchase a(n)
Select one:
A. HO-3 policy.
B. Personal auto policy.
C. Yacht policy.
D. Small boat policy.. Answer: C. Yacht policy.
◉Which one of the following is a warranty that is likely to be
required by an insurer that underwrites a boatowners or yacht
policy?
Select one:
A. Uninsured boaters
B. Contractual liability
C. Seaworthiness
D. Transportation. Answer: C. Seaworthiness
◉Marcia and Harold Regan are speaking with their agent Jose about
their current coverages and anticipated needs for the future. Harold
, wants to learn more about the costs and details of a personal
umbrella policy. The primary reason for Jose selling a personal
umbrella policy to Marcia and Harold is to provide
Select one:
A. Worldwide coverage.
B. Broad coverage with no exclusions.
C. High liability coverage limits.
D. High property coverage limits.. Answer: C. High liability coverage
limits.
◉Personal umbrella policies usually cover the insured's liability for
personal injury. Under the Personal Umbrella Liability Policy, which
one of the following is included under the definition of personal
injury?
Select one:
A. Malicious prosecution
B. Assault and battery intentionally committed
C. Workers compensation
D. Bodily harm. Answer: A. Malicious prosecution
◉Alex and his marketing team are evaluating various new insurance
platforms to provide research to serve their customers better. Which
one of the following best describes what the team has accurately
discovered?
CONTENT
◉Roger and Sarah sold their house and plan to travel around the
world for one year. They placed their furniture and appliances in
storage and will take luggage and cameras on their trip. Sarah will
travel with her diamond engagement ring. Jeff, their insurance agent,
canceled their homeowners policy soon after the house was sold.
Which one of the following types of personal inland marine forms
should Jeff recommend to Roger and Sarah to best protect Sarah's
diamond ring during the trip?
Select one:
A. Personal Articles Standard Loss Settlement Form
B. Personal Property Form
C. Personal Property Replacement Cost Loss Settlement
Endorsement
D. Tenant Homeowners Form. Answer: B. The emergency program.
◉The Personal Effects Form is specifically designed for
Select one:
A. Frequent travelers.
B. Homeowners.
,C. Salespersons.
D. Financial institutions.. Answer: A. Frequent travelers.
◉Lynne purchased a 52-foot motorboat and would like to cover it
for physical damage and liability coverage. Lynne most likely will
purchase a(n)
Select one:
A. HO-3 policy.
B. Personal auto policy.
C. Yacht policy.
D. Small boat policy.. Answer: C. Yacht policy.
◉Which one of the following is a warranty that is likely to be
required by an insurer that underwrites a boatowners or yacht
policy?
Select one:
A. Uninsured boaters
B. Contractual liability
C. Seaworthiness
D. Transportation. Answer: C. Seaworthiness
◉Marcia and Harold Regan are speaking with their agent Jose about
their current coverages and anticipated needs for the future. Harold
, wants to learn more about the costs and details of a personal
umbrella policy. The primary reason for Jose selling a personal
umbrella policy to Marcia and Harold is to provide
Select one:
A. Worldwide coverage.
B. Broad coverage with no exclusions.
C. High liability coverage limits.
D. High property coverage limits.. Answer: C. High liability coverage
limits.
◉Personal umbrella policies usually cover the insured's liability for
personal injury. Under the Personal Umbrella Liability Policy, which
one of the following is included under the definition of personal
injury?
Select one:
A. Malicious prosecution
B. Assault and battery intentionally committed
C. Workers compensation
D. Bodily harm. Answer: A. Malicious prosecution
◉Alex and his marketing team are evaluating various new insurance
platforms to provide research to serve their customers better. Which
one of the following best describes what the team has accurately
discovered?
