AnswersPersonal FinanceInsurance and Risk

Practice Test Answers

12 verified answers
1
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Who most needs disability insurance?

A
Retiree
B
Student
C
Working adult
D
Child
2
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Which of these is an accurate statement about online betting?

A
Online games and apps are available to play that do not require monetary bets.
B
Online games and apps are not as harmful since they are played in a solitary environment.
C
Online game and app sites are licensed and safe from scammers.
D
Online games and apps are less addictive than casino gambling or horse racing.
3

Part A: What affects insurance cost?

A
weather
B
hobbies only
C
personal risk factors
D
clothing
4

Part B: Which factor increases cost?

A
low mileage
B
clean record
C
accident history
D
safe driving
5

Part A: What increases premium cost?

A
safe driving
B
higher risk behavior
C
no claims
D
low mileage
6

Part B: What lowers premium?

A
high-risk behavior
B
frequent claims
C
accidents
D
safe habits
7

Which is a sign of a healthy gambler?

A
a gambler who sets spending limits
B
a gambler who is chasing the next win
C
a gambler who is confident they will win big
D
a gambler who spends a lot of time thinking about strategy
8

Part A: You receive a suspicious email asking for login information. What should you do?

A
Share the email
B
Reply with your information
C
Click the link immediately
D
Ignore or verify through a trusted source
9

Part B: Why is this action effective?

A
It speeds up response time
B
It prevents verification
C
It avoids interacting with potential scams
D
It guarantees account recovery
10

Part A: Which strategy best protects multiple accounts?

A
Reusing passwords
B
Using short passwords
C
Writing passwords down
D
Using a password manager with unique passwords
11

Part B: Why is this effective?

A
It removes security risks
B
It speeds up login
C
It reduces memory effort only
D
It prevents multiple accounts from being compromised
12

Who pays more upfront with a high-deductible plan?

A
Individual
B
Insurance company
C
Government
D
Employer

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Practice Test Answers — Personal Finance