policy valuable consideration or inducement specified in the policy is not considered a rebate. producer who gives a rebate is guilty of a Class D misdemeanor.
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- Which of the following would not be considered an involuntary lien? Group of answer choices A deed of trust A pre-judgment attachment A tax lien A judgment lienWhich of the following is the least important reason for requiring that insurance agents be licensed? A) To establish and maintain high professional and ethical standards B) To protect the public C) To give the government adequate control over the conduct of agents D) To provide additional income to the government through license feesThe provisions of the Real Estate License Law apply to which of the following individuals? A. a regular employee of a property owner who conducts lease transactions on the property O.B. a licensed person who for a fee receives a referral from a licensed broker ⒸC. a property manager who handles the sale of units within a managed condominium complex OD. salespersons who sell their primary residences
- Need a long and detailed self-explanatory analysis of the following case after hearing the oral argument of the case in Oyez Bank of America Corp. v. City of MiamiA mortgage loan originator (MLO) is prohibited from taking which of the following actions? A) Collecting an application fee prior to ordering a credit report B) Assisting a mortgage loan applicant in completing a mortgage application by filling out the form with the MLO's best assumptions C) Accepting a check for the appraisal before the borrower receives the Loan Estimate and intent to proceed D) Accepting a check payable to a title company and forwarding the check to the title company as payment for a title search52 if the insured consults during the first policy year the insurer will a. Pay the face amount but not double b. Pay 10% of the policy face value c. Return all premiums and not pay the claim d. Return all premiums less company expenses
- Which one (1) of the following statements is true regarding Replacement Cost insurance? OA) A professional appraisal is required by insurers before they will insure any property for its Replacement Cost. OB) Most insurers do not require an insured to replace a damaged property as a condition to be indemnified for its Replacement Cost. OC) A condition of this coverage is that replacement must be with materials of similar kind and quality. OD) Only commercial properties can be insured for their Replacement Cost.A listing broker presents an offer from a customer that meets every term asked for in the listing agreement. The seller decides not to sell. Which of the following statements is most likely true? The broker could collect a commission The broker could sue for specific performance The buyer could sue for specific performance The seller will not have to pay a commissionThe personal feature of property insurance contracts means that: * A) subrogation always applies B) ambiguities in the wording will always be construed against the insurer C) insurance contracts cannot be freely transferred to other parties D) the buyer of insurance must have insurable interest in property before the policy is issued
- 2. Punitive damages are: a. generally not available in tort cases. b. often awarded in cases of contract interference. c. only available in negligence actions. d. None of the above1. Wong, a Mathematics teacher made an advertisement in her facebook for Mathematics tuition with a ‘Money back guarantee for those who did not get an “A” in the SPM examination”. Shah enrolled his daughter, Teyha to Wong’s tuition class. When Teyha sat for the SPM examination, she obtained a “B” for her Mathematics paper. Shah went to see Wong and demanded that he return the tuition fees that he paid him. Wong refuses to return the fees to Shah. a. Advise Shah in this matters. b. In the course of your answer, explain FOUR (4) situations that may lead to invitation to treat. Support your answers with Contracts Act 1950 and decided cases.Under the SAFE Act, which of the following businesses will need to have a licensed mortgage loan originator on staff? A) A title company that closes mortgage loans B) A manufactured home seller that takes applications for financing C) A mortgage servicing company that engages in modifications for the loans that it is servicing D) A real estate agency that collects information on buyers to see if they will qualify for a mortgage loan but that does not send that information to a lender