Question

24. The difference between the life expectancy and healthy adjusted life expectancy is a measure of the average equivalent number of years lost due to:

1. bad health and disability.
2. a bad economy.
3. bad health excluding disability.
4. death of a breadwinner in the family.
5. to disability excluding bad health.

11. Identify the coverage that fills in the coverage gap that arises when the negligent party meets the financial responsibility law of the state, but the auto accident victim has losses in excess of the negligent driver’s liability limit.

1. Stacking coverage
2. Supplementary motorist coverage
3. Nonfortuitous coverage
4. Underinsured motorist coverage
5. Uninsured motorist coverage

11. In a population pyramid, a pyramid with a very large base would mean a large number of:

1. old people.
2. smokers.
3. young children.
4. working individuals.
5. females.

Answer 1

1) Healthy adjusted life expectancy is the average number of years that a person is expected to life in absolute healthy condition. Therefore the difference between life expectancy and health adjusted life expectancy is the number of years lost due to living in less than healthy condition on an average, which includes both disability and bad health.

therefore,

correct option is a) bad health and disability

2) The coverage that fills the coverage gap when a person meets with an accident and insurance limit of the driver is not sufficient to cover the costs of the damage done, is underinsured motorist coverage, which covers the shortfall of the insurance amount.

correct option d) Underinsured motorist coverage

3) In a population pyramid, a pyramid with a large base means high number of young population as the vertical scale of population pyramid measures age and widening base would mean large number of low aged population mostly from 0-14 yrs of age. Such population pyramid exists in economies having high birth rate and low life expectancies, for example third world countries.

correct option c) young children