The following questions are representative of the types of questions you will find on the CRCM (Certified Regulatory Compliance Manager) exam.
a. A line of credit used for the borrower's business, secured by the borrower's primary dwelling
b. A revolving line of credit secured by the borrower's primary dwelling used to Strengthen the borrower's home
c. An increase of a line of credit from $5,000 to $10,000 secured by the borrower's primary dwelling
d. A loan to pay off a contract for a deed secured by the borrower's primary dwelling
a. Before the first EFT occurs
b. Along with the first periodic statement
c. Within three business days of account opening
d. Within three business days of a customer's request for the EFT service
a. Internal audit
c. Board of Directors
d. Compliance officer
a. File a Currency Transaction Report (CTR) with the IRS
b. Discharge Teller #1 immediately
c. Send a notice of adverse action to the bank's federal regulator
d. File a Suspicious Activity Report (SAR)
a. All individual mortgage loans
b. Grants or loans to fulfill CRA activity
c. Non-public or confidential information that will be provided in the public file
d. A copy of the agreement to the regulatory agency 24 months after the end of the term
Looking to prepare for the exam? ABA offers CRCM exam Online Prep.View Course
You will complete twenty-one required practical activities if you are studying GCSE combined science: Trilogy. You could be asked questions about the apparatus, methods, safety precautions, results, analysis and evaluation of these experiments.
In this Cell Biology section there are two required practical activities:
There will be a number of different types of practical based questions. Some will be on the set required practicals, some will cover the working scientifically terms and some will be on other science practicals which you might have done in class. Use all the information given in the question particularly any diagrams to help you understand what the question is about.
These questions have been written by Bitesize consultants as suggestions to the types of questions that may appear in an exam paper.
A student is investigating the process of mitosis with a microscope.
The hazard warning label on the chromosome stain they use states:
Suggest three safety precautions they should take.
Describe how to prepare a stained slide of onion epidermal tissue.
These are the main points that the examiner will be looking for, but you do not have to match every word.
In questions based on Required Practicals, the examiner will make allowances for instances where the equipment used in one school may be slightly different from another, the level of detail you’ve added, or if your answer is worded in a slightly different way.
(a) A student investigated the effects of osmosis in potato tissue by placing potato cylinders in different concentrations of sugar solution.
Their results are shown below (as a percentage).
Identify the anomalous result. [1 mark]
|Sugar solution - low concentration||+4||+5||+4||+6||+5||+6||+5||+6||+6|
|Sugar solution - high concentration||-12||-13||-15||-11||-16||-2||-15||-17||-15|
Experiment 6, high concentration of sugar.
(b) Calculate the mean change in mass for each concentration. Do not include the anomalous result from Experiment 6 in your calculations.
Give your answer to one decimal place. [2 marks]
(c) Explain why the student expressed change in mass as a percentage. [3 marks]
Describe how you would set up a microscope to examine a prepared slide under high power. [6 marks]
Your answer should be made up from the following points:
Michael Cox writes about lifestyle issues, popular culture, sports and technology. In a career spanning more than 10 years, he has contributed to dozens of magazines, books and websites, including MSN.com and "Adobe Magazine." Cox holds a professional certificate in technical communications from the University of Washington.
You need to answer questions on a wide variety of geographical Topics so be prepared by revising each course in detail.
Read each question carefully and use it to help you structure the introduction to your answer. Look out for the command word, it is often in bold to help steer your answer in the right direction.
Make sure you refer back to the question as you are writing your answer as your response must answer the question asked.
Ensure that you write your answers in detailed sentences and structure your answers into paragraphs, if appropriate.
You must answer the correct number of questions in both papers. If you miss a question out, make sure you go back and attempt to answer it, because you will lose all the marks for unanswered questions.
In both question papers, make sure that you balance your time – do not spend too much time on the first section so that you are not struggling to finish section two. This could easily be done as you are writing extended answers, so keep your answer relevant to the question being asked.
Answer: Concrete floors are hard to crack with a raw egg!
Question 2. Jamie looked at his reflection on the window mirror of the 45th floor. Driven by an irrational impulse, he made a leap through the window on the other side. Yet Jamie did not encounter even a single bruise. How can this be possible if he neither landed on a soft surface nor used a parachute?
Answer: Jamie is actually a window cleaner. He got tired after cleaning the windows on the 45th floor and so leaped inside the building.
Question 3. A murderer is condemned to death. He has to choose between three rooms. The first is full of raging fires, the second is full of assassins with loaded guns, and the third is full of lions that haven’t eaten in 3 years. Which room is safest for him?
Answer: The third room is the safest as the lions would be dead by now from eating anything in the past 3 days. First thought for many people would have been that these lions might have been hungrier than ever, but this answer would be wrong.
Question 4. Twins (Adarsh and Anupam) were born in May but their birthday is in June. How’s this possible?
Answer: May is the name of the town in Queensland, Australia.
Answer: The peahen lays eggs and not the peacock.
Question 6. What is such a thing that dies after drinking water?
Answer: Thirst. period.
Question 7. How can a man remain without sleep for 8 days?
Answer: Easy, the man should sleep at NIGHT.
Question 8. What if a red stone is thrown in blue waters?
Answer: The red stone will drown. The use of colors in the questions is only to distract your mind and confuse it further.
The latest exam questions that hurt religious sentiments and demeaned women and one writer are unacceptable, said civil-society members, demanding an end to such "anarchy" in the education system.
The questions were prepared for HSC and equivalent examinations.
In a joint statement, signed by 24 eminent citizens, they said a universal, secular and science-based education system has not been established even after 50 years of independence, rather a regressive system has been set up.
People are now talking about whether teachers have the skills to prepare creative questions. "Both teachers and students need to acquire creative skills," they observed.
Pointing to the latest discussions on question papers, they said it is high time to think about the whole education system, not just the competency of those who prepare questions. "The demand of dropping Charles Darwin's evolution theory from the curriculum has also concerned us. This will hinder science study and free thinking. It will push the country backwards, towards communalism," reads the statement.
Among others, the signatories are Pankaj Bhattacharya, president of Oikya NAP; Advocate Sultana Kamal, former adviser to the caretaker government; Ramendu Majumdar, praesidium member of Sammilita Samajik Andolon; Rasheda K Choudhury, former adviser to the caretaker government; Prof Syed Anwar Husain of Dhaka University; and Dr Sarwar Ali, trustee of Liberation War Museum.
All of the companies on this list represent good options for getting life insurance without a medical exam. All are A+ rated or better for financial strength and have received fewer complaints than expected when averaged over a three-year period. If you don’t need more than $3 million in coverage and are 50 or younger, any company on this list could be a good fit. But if you’re over 50 and looking for a death benefit of more than $1 million, you can rule out Nationwide. If you’re over 60, your only option for high-coverage no-medical-exam life insurance is Penn Mutual. And regardless of your age, Penn Mutual is your only option if you need a death benefit greater than $5 million and don’t want to take an exam.
If you’re looking for term coverage, try Penn Mutual or Pacific Life; for dividends, Penn Mutual or Guardian. If you want free living benefits, look to Nationwide. And if you’d like a wellness plan with your life insurance, John Hancock delivers.
A number of companies offer life insurance policies without requiring a medical exam, but you’ll generally be eligible for the lowest premiums with those that ask thorough health questions on the application.
Most any type of policy is eligible for no-exam underwriting. It used to be that if you wanted to skip the exam, only low-coverage insurance policies were available to you. These are still available and sold as burial or funeral insurance, or guaranteed-issue policies. But now, insurers have a number of sophisticated means by which to collect health and other information, so they don’t need to rely on your exam. Plus, it costs them money to administer it and time to receive and review the results. No-exam underwriting allows insurance carriers to issue life policies faster, which is often good for both the customer and the insurer.
So whether you’re looking for term or permanent coverage, a whole life policy or an indexed universal life policy, it’s available somewhere without a medical exam. But not all companies offer no-exam life insurance on all or even any of their policies, so you’ll need to do some research to find one that does. (The companies in the list above are an excellent start.) The one caveat is that not everyone is eligible for no-exam underwriting. If you have health issues that raise red flags for the insurance company, you may be required to undergo a medical screening to complete your application.
Yes, if it's a policy with a cash value. No-exam life insurance policies are just like regular life insurance policies. The only difference is that a medical screening is not required during the application process. Once approved, the policy functions just as it would had you taken an exam. So if you’ve purchased a permanent life insurance policy that builds a cash value, that cash value will be available to you, subject to any surrender period or other standard policy conditions.
Choosing the best life insurance policy for you depends on your life insurance needs. How much coverage do you need? (Ideally, you’ll get enough to pay off your debts and replace your income, at the very least.) How long do you need it for? Your needs may change once your kids are grown and your home is paid off, for instance. The next question to ask is, how much premium can you afford?
The answers to these questions will help you narrow down whether you need term or permanent life insurance coverage. Term life insurance is designed to last for a specific number of years, such as 30, and then expire. Permanent life insurance is designed to last your entire lifetime, and is therefore more expensive than term. You may also want to combine term and permanent policies to have a higher-coverage term policy during your working years or while you’re raising a family, and then a lower-coverage permanent policy that will kick in once the term coverage expires.
Term policies let you choose the length of the term (a 40-year term is the longest we’ve seen), and often provide the option to convert your term coverage to permanent. Permanent policies have a cash value, which may be accessed via withdrawals and loans.
Once you’ve figured out your budget and the general type of coverage you need, you should begin to get quotes from financially stable companies with track records of good customer satisfaction.
If you want a no-exam life insurance policy, it may be helpful to know that most of the 91 companies we reviewed offer some sort of policy that doesn’t require an exam. You’re best off first finding a good company (or a few you like), and then seeing what kind of policy you can get without an exam. This review and our review of the best life insurance companies of 2022 are both good places to start. And be sure to compare multiple quotes for no-exam life insurance because some policies are cheaper than others (depending on the type of no-exam underwriting used).
In order to compile our list of the best no-medical-exam life insurance companies, we developed a comprehensive life insurance methodology. We started off by researching what consumers want from life insurance companies, and for that, we looked to third-party consumer studies, including J.D. Power’s 2021 U.S. Life Insurance New Business Study and the 2021 Insurance Barometer Study, by Life Happens and LIMRA.
With those findings in mind, we gathered more than 50 data points on 91 life insurance companies, including ratings for financial strength, customer satisfaction, and customer complaints, as well as information about years in business, online tools, no-exam options, dividends, maximum issue ages, and available riders.
Our review process gave preference to companies with solid financials, few customer complaints, high no-exam coverage amounts available, high-issue ages for no-exam coverage, and a broad product portfolio. Companies received ratings boosts for online resources, including online quotes and live chat, and included living benefit riders. We ranked each company according to the following categories and weights.
To finalize our list, we compared individual offerings between top companies by considering ratings from third parties such as AM Best and J.D. Power, and delving deeper into product specifics—including cost and the availability of dividends. We used this research to determine the best no-medical-exam life insurance companies.
We scored companies based on these measurements:
Price (50% of score): We averaged the no-exam life insurance rates for males and females in excellent health at ages 30, 40 and 50 for $500,000 and $1 million and a term length of 20 years.
Maximum face amount for lowest eligible age (10% of score): Companies with higher no-exam life insurance coverage amounts for the lowest age earned more points. Note that maximum no-exam coverage can sometimes become lower if you apply at a higher age.
Age eligible for best length/amount (10% of score): Companies offering no-exam life insurance to folks over age 50 earned extra points.
Accelerated death benefit available (10% of score): This important feature lets you access part of your own death benefit in the event you develop a terminal illness
Option to convert to a permanent life insurance policy (10% of score): This is a good option to have in place if you decide you want a longer policy, especially if your health has declined and you don’t want to shop for new life insurance.
Guaranteed renewals (5% of score): This option lets you extend the coverage after your initial level term period has expired, such as at the end of 10, 20 or 30 years.
Renewal rates can be significantly higher, but renewing can provide extended coverage to someone who may no longer qualify for a new life insurance policy because of health.
Median time from application to approval (5% of score): We gave more points to companies with lower no-exam life insurance approval times.
The timeline for approval could be within seconds or a month, depending on the company and possibly even your health.
Sources: Bestow, Ethos, Fabric, Haven Life, Jenny Life, Ladder, Policygenius and Forbes Advisor research.
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