FCSLA Recommender Quiz

Thank you for taking the FCSLA Recommender Resource Page Quiz. This quiz is designed to help you learn about FCSLA products, compliance rules, your duties to the member and the company and sales ideas. You can refer back to the Recommender Resource Page as you take the quiz (open book quiz). You can also take the quiz as often as needed to pass. A passing grade is 70%. The Recommender Resource Page and this quiz do not address any education about annuities. If you are interested in selling annuities please contact an FCSLA agent administrator at agentadmin@fcsla.com or 216-468-1029.

If you are either unwilling or unable to pass the quiz you cannot sell FCSLA products. You can refer potential members to FCSLA Life and collect a $25 referral fee by using the FCSLA Friends and Family form found on FCSLA.com.

Good luck on the quiz!

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Quiz

1. Which of the following is true about FCSLA Life’s Single Premium Whole Life (Traditional Product)?(Required)
2. Attempting to use your home address as the address of someone who lives out of state to get around no out of state sales for unlicensed or PA limited license recommenders is:(Required)
3. What is the minimum face amount for the Single Premium Whole Life Plus product?(Required)
4. Which of the following age groups is eligible for the Short Application on the Single Premium Whole Life (Traditional Product)?(Required)
5. What are the main purposes of the Recommender Resource Page? Choose all answers that are applicable:(Required)
6. What is the maximum face amount for the Single Premium Whole Life (Traditional Product) for individuals under the age of 50, if you are using the short application?(Required)
7. As a fiduciary, your primary duty is:(Required)
8. Which of the following best describes the relationship between an unlicensed recommender and FCSLA Life?(Required)
9. Which whole life product is best suited for people who want the shortest premium-paying period but do not want to purchase Single Premium Whole Life or 1 Pay Whole Life?(Required)
10. What is the face amount range for the Next Gen Term product?(Required)
11. What is a recommended product for older adults looking for final expense coverage? Select all answers that apply(Required)
12. What is the purpose of a field underwriter in the sales process? Select all answers that apply:(Required)
13. Which of these products allows the accumulation of cash value inside the policy?(Required)
14. What is the minimum issue age for the 20 Pay Life Whole Life product?(Required)
15. What is the face amount range for the 20 Year Level Term ICC19TERM product?(Required)
16. What should you do if a client doesn’t have a social security number available for a beneficiary at the time of sale?(Required)
17. If an unlicensed recommender lives in Ohio, in what other state can that recommender sell life insurance?(Required)
18. Which action constitutes fraud in the sales process?(Required)
19. If an application is incomplete, what action does FCSLA take?(Required)
20. If you are selling life insurance on a 2-year-old, who signs as the applicant on the application?(Required)
21. What happens if a policy is returned during the 30-day Free Look Period?(Required)
22. What must be listed in the Important Notice Regarding Replacements?(Required)
23. What is the modal factor for monthly premium calculations?(Required)
24. What happens if the first premium payment is not made by check?(Required)
25. What are recommenders advised to do when correcting application errors?(Required)
26. What is the consequence of using non-FCSLA sales materials?(Required)
27. When must premium be received for a policy to be issued?(Required)
28. What happens if a client wants to replace an existing policy and the recommender is unsure of the procedure?(Required)
29. If an applicant offers to pay a life insurance premium in cash you should:(Required)
30. What must a recommender do if anti-money laundering training is not completed?(Required)
31. What action is a recommender prohibited from taking?(Required)
32. What is misrepresentation in life insurance applications?(Required)
33. Which of these practices is prohibited under FCSLA’s privacy policy?(Required)
34. What type of training is required to comply with the PATRIOT Act?(Required)
35. What should be done with records of declined or withdrawn applications?(Required)
36. If a recommender suspects fraud during the sales process, what is the appropriate action?(Required)
37. How should a recommender handle member data?(Required)
38. What is the consequence of allowing PII (Personally Identifiable Information) to be compromised?(Required)
39. What is the purpose of the Ohio Guaranty Fund disclosure?(Required)
40. What is a key fraternal benefit of gifting life insurance to a child?(Required)
41. Where can life insurance applications be accessed?(Required)
42. Why is it important to avoid stockpiling paper applications?(Required)
43. What is a "clean sheet" application?(Required)
44. Who cannot act as a witness on an application?(Required)
45. What is the best type of policy for a young family needing lifetime coverage?(Required)
46. What is the main purpose of the short application?(Required)
47. FCSLA policies have a 60-day Free Look Period.(Required)
48. The first premium payment must always be made by personal or bank check.(Required)
49. Complaints from prospects or members must always be reported to FCSLA.(Required)
50. Recommenders are allowed to give tax advice if asked by a client.(Required)

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