tuc04360 Dev Psych Final Exam Qs FLASHCARDS WRITE SPELL TEST MATCH GRAVITY Upgrade to remove ads Only 1month 1 Which of the following is NOT a good example of a topic in the scientific study of child development a cultural variations in childrens play b biological changes that occur in the brain during infancy c the origins of public policies related to childrens issues d the influence of social interaction on the development of morality CLICK THE CARD TO FLIP IT C CLICK THE ARROWS BELOW TO ADVANCE 1 179 Terms in this set 179 1 Which of the following is NOT a good example of a topic in the scientific study of child development a cultural variations in childrens play b biological changes that occur in the brain during infancy c the origins of public policies related to childrens issues d the influence of social interaction on the development of morality C 2 Which of the following is NOT true about mind a it needs stimuli to activate it b it is a system c mental structures like schemes describe its organization d it changes through interactions with its environment A 3 Most broadly mind is composed of a perceptions thoughts memories b wishes strivings desires c cognition conation affect d judgments decisions consciousness C 4 Core consciousness a is an early development feature of mind b is reflective awareness c involves a sense of self d all of the above A 5 Developmental change is ordered change that is a selective b continuous c relatively permanent d reversible C 6 Lecture Variational change exhibits a discontinuity b continuity c stagelike features d novel features B 7 Text Which of the following correctly describes the sequence of the periods of development a prenatal infancy middle childhood adolescence b adolescence prenatal early childhood infancy c infancy early childhood prenatal adolescence d early childhood middle childhood adolescence prenatal A 8 Text One of the first developmentalists to stress the importance of systematic observation was Wilhelm Preyer 18411897 In his view careful observation was necessary to establish the ___________ of behavior and hence to see how behavioral patterns arose a frequency b importance c sequence d goals C 9 Text Alfred Binet developed the first intelligence test in order to a identify schoolchildren who could use special education instruction b predict the likelihood that individual children would be productive members of society c rank all citizens according to mental worth d inform the assignment of duties to army recruits A 10 Text Critical periods in development a occur in some animals but not in humans b are thought to regulate bonding in human infants c are times during which particular events must occur for development to proceed normally d have been observed in humans for psychological development but not for physical development C 11 Text Stages of development involve changes that are a slow b small c qualitative d quantitative C 12 Lecture Which of the following represents one of the broadest and most abstract of metatheories a mechanistic b nativist c empiricist d constructivist A 13 Lecture Which of the following is associated with influenced by the Mechanistic metatheory a Lev Vygotskys theory b John Bowlbys theory c B F Skinners theory d Urie Bronfenbrenners theory C 14 Lecture The metatheory that views the person as a Steel Filing Cabinet or computer and the environment as a Filing Clerk is the a organismic b nativist c empiricist d constructivist B 15 Text Theories are important for understanding child development because they a provide systematic organization of many different observations b guarantee agreement among researchers about what they see c make it appear that child development experts know everything d allow immediate applications to help children A 16 Text Whose theory emphasizes the fundamental role played by the sex drive in human development a Freud b Piaget c Erikson d Bandura A 17 Text Behavior modification is a strategy suggested by theorists to help address problem behaviors in children a psychodynamic b social learning c constructivist d informationprocessing B 18 Text The theorist who is known for his appreciation of the active role that children play in their own knowledge construction is a Freud b Bandura c Piaget d Bronfenbrenner C 19 Text occurs when a child modifies an existing schema to account for new experiences a Accommodation b Assimilation c Modeling d Replication A 20 Lecture The following were involved with both the Which One And the How Much naturenurture questions a Nativists b Empiricists c Mechanists d All of the above D 21 Lecture According to your instructor Heritability is a A reliable measure of the impact of genes on a trait b A valid measure of the impact of genes on a trait c Both a reliable and valid measure of the impact of genes on a trait d None of the above D 22 Lecture According to the Developmental Systems approach psychological traits are a 100 biological and 100 environmental b 60 biological and 40 environmental c 60 environmental and 40 biological d not related to biology A 23 Lecture According to the Developmental Systems approach development always arises from the organized a active system in its environmentcultural world b reactive system in its environmentcultural world c biological system d genetic system A 24 Text When two observers simultaneously observing the same infant agree on their descriptions of how upset she becomes when a pacifier is taken from her it is an example of a experimentation b validity c reliability d replicability C 25 Text The type of study that compares the behavior of subjects exposed to an environmental change with the behavior of a control group not exposed to the change is a an experiment b a clinical study c a correlational study d naturalistic observation A 26 Text A psychology instructor analyzing exam scores notices that the better her students performed on the lecturebased questions the more poorly they performed on the textbookbased questions She has discovered a a zero correlation between scores on the two parts of the exam b a positive correlation between scores on the two parts of the exam c a negative correlation between scores on the two parts of the exam d definite evidence that the students who read the textbook do not attend the lectures while those attending them do not read the text C 27 Text Which of the following questions is best answered using a longitudinal research design a Do toddlers understand gender as well as 5yearolds b What is the sequence of a childs concept of gender development c At what age do most children fully understand the concept of gender d Do adolescents have a greater gender understanding than do elementary school children B 28 Text Culture is a passed on through biological processes b composed of material and symbolic tools c limited to humans d stable over time B 29 Text A tool is easy to observe because it exists out there in the world a material b symbolic c cultural d mediator A 30 Text Cultures a remain stable over time b transform as individuals modify their uses of cultural tools c always evolve in advantageous ways d undergo change on a predictable timeline B 31 Text The particular gene forms that individuals inherit are called a genotypes b recessive traits c phenotypes d monozygotic traits A 32 Text The process of meiosis produces a the zygote b germ cells c conception d somatic cells B 33 Text Germ cells reproduce by whereas somatic cells reproduce by a meiosis mitosis b mitosis meiosis c mitosis mitosis d meiosis meiosis A 34 Lecture Gene Expression involves two steps of a transcriptiontranslation b translationtranscription c RNA to DNA d protein to cell A 35 Lecture Genes make a RNA b proteins c psychological traits d nothing D 36 Lecture The contemporary preformist position claims that a Genotype codes for phenotype b Development is genocentric c Genetic activation regulation produce phenotype d All of the above D 37 LectureModern EpigeneticDevelopmental Systems approach holds that ontogenetic resources are a Localized in the phenotype of the developing system b Localized in the genotype of the developing system c Dispersed through the developing system and environment d None of the above C 38 Lecture The idea that evolution does not explain development but rather development explains evolution is a statement of the a preformationist approach b epigenetic developmental systems approach c molecular biology d population genetics B 39 Text Which represents the genetic sex of males a XY b XO c XX d YY A 40 Text A dominant allele a expresses itself in heterozygous individuals b is never expressed in heterozygous individuals c is the result of the interaction among several recessive alleles d has a phenotypic expression not affected by the environment A 41 Text If not treated with a special diet which of the following leads to mental retardation a hemophilia b phenylketonuria c sicklecell anemia d Down syndrome B 42 Text Sicklecell anemia is a good example of a the influence of canalization b the interaction of heredity and environment c the impact of sexlinked disorders d the always lethal outcome of genetic mutations B 43 Lecture Which of the following is true of genes a They are selfreplicating b They carry a blueprint c They code for proteins d None of the above C 44 Lecture Epigenesis is development a that results from preformation b involving increasing system complexity and emergence c that is primarily genetic in nature d that involves slow and continuous growth through RNA translation B 45 Lecture The idea that genotype directly predicts phenotype is a view held by a Contemporary developmental systems theorists b The field of developmental biology c Preformists d None of the above C 46 Lecture The idea that there is no 12 relation between genotype and phenotype is called a Phenotypical plasticity b Genotypical plasticity c Monogenetics d Polymorphisims A 47 Lecture Transposons suggest that a the genome is not static and immutable during development b the genome is static and immutable during development c when they are available genetic development proceeds more smoothly d when they are available genotype more directly predicts phenotype A 48 LectureThe fact that the Summer European map butterfly shows one pattern and color and the Spring European map butterfly shows a different pattern in the winter supports the idea of a the central dogma of of molecular biology b the idea of preformism c the idea of epigenesist d the role of embodiment in development C 49 Lecture Twin Studies that try to answer the How Much question of developmental causes a assume twins have very similar environments b assume twins have very different environments c assume the twins in the study were raised apart d none of the above A 50 Lecture According to the Developmental Systems approach what explains development a The interaction of biological and environmental causes b Primarily innate motivations c Actions of the person d The SocioCultural context C 51 Lecture Which of the following is not true of an Act a It reflects movements and states of the organism b It always intends some object c It transforms the known world d It arises from the selforganizing system A 52 Lecture Which feature of an act involves the projection of meaning onto the world a embodiment b assimilation c accommodation d all of the above B 1 The prenatal period of development is important to developmental theorists because a they now understand the mechanisms by which the undifferentiated cells of the zygote first become the blastocyst and then the multitude of cells present at birth b it serves as a model for development during all subsequent periods c it has helped prove that epigenesis is a faulty explanation for mechanisms that drive developmental change d the rate of growth during the period of prenatal development predicts later physical development B 2 Which of the following is a general principle of prenatal development a It proceeds without interference from the environment b It proceeds in an unpredictable order c It proceeds evenly with all systems developing at basically the same rate d The effects of environmental influences depend on their timing D 3 During cleavage cells do not all divide at the same time This difference in rates of change is referred to as a heterochrony b totipotency c heterogeneity d meiosis A 4 Totipotent stem cells are those that a can become different sorts of neural cells only b can become tissue cells of any type but can not give rise to an entire organism c can become an entire organism or any type of tissue cell d serve a dedicated purpose and can not develop into other forms C 5 Variability in the levels of development of different parts of the organism at a given time is called a heterochrony b heterogeneity c pluripotentiality d totipotentiality B 6 Epigenesis is the process by which a new forms of the zygote appear as a result of meiosis b the zygote divides into four cells c the multicellular mass becomes implanted in the uterus d new forms of the zygote emerge from the interactions of the preceding form and its current environment D 7 The cephalocaudal pattern of development refers to which pattern of body development a from the middle of the organism to its periphery b from the head down c from the periphery of the organism to its middle d upwards from legs and feet B 8 The proximodistal pattern of development refers to which pattern of body development a from the middle of the organism to the periphery of the organism b from the head down c from the periphery of the organism to the middle of the organism d upwards from the feet A 9 Fetuses presented with light have been found to a show no response b change their heart rate c decrease their movement d increase their sucking rate B 10 Toward the end of gestation the fetus can hear a very little since the uterus is a quiet place b only the sounds of the mothers heart and her digestive system c very little since the sense of hearing is poorly developed until after birth d the sounds of the mothers body and some sounds from the outside world D 11 What is the role played by fetal activity a It assists with normal development of muscles and limbs b It does not play a significant role in fetal development c It does not help the fetus develop but it assists the parent in monitoring the fetuss development d It helps the skeleton ossify A 12 Children whose mothers did not want them were ___________ compared to control children a less likely to be breastfed b more likely to be underweight at birth c less likely to have schoolrelated problems later d less likely to be referred for psychiatric help as teenagers B 13 Studies have shown that a mother who is under stress secretes hormones such as __________________ that pass through the placenta and have a measurable effect on the fetuss motor activity a cortisol b myelin c guanine d hemoglobin A 14 Which of the following makes it difficult to isolate the effects of poor nutrition a Mothers who are undernourished are not good respondents in survey studies b Multiple risk factors tend to coexist with undernourishment c The high death rate from undernourishment makes it difficult to assemble a sample d While these studies are easy to control they are not a funding priority B 15 Which of the following makes it difficult to isolate the effects of poor nutrition a Mothers who are undernourished are not good respondents in survey studies b Multiple risk factors tend to coexist with undernourishment c The high death rate from undernourishment makes it difficult to assemble a sample d While these studies are easy to control they are not a funding priority B 16 What is fetal alcohol syndrome a an inherited tendency to become alcoholic b a set of malformations caused by excessive exposure to alcohol in utero c an inability to metabolize alcohol caused by prenatal exposure to alcohol d a set of malformations common among children of female alcoholics even if no alcohol was consumed during pregnancy B 17 Which of the following is NOT a true statement about prenatal development a Sequencing is of minor relevance b Timing is crucial to development c Development proceeds unevenly d Development consists of differentiation and integration A 18 Lecture Heinz Werners Orthogenetic Principle states that all development involves a variations and continuities b differentiation and integration c a biological determinism d a genetic determinism B 19 Which of the following babies would receive the highest Apgar score all other things equal a heart rate below 100 good crying and body with extremities pink all over b heart rate above 100 good crying and body pink with extremities blue c heart rate above 100 good crying with body and extremities pink all over d heart rate below 100 slow and irregular respiration with body pink and extremities blue C 20 The Brazelton Neonatal Assessment Scale is used to a assess the developmental progress of infants b compare the functioning of infants of different cultures c predict aspects of newborns future developments such as temperament d All of the answers are correct D 21 Lecture The primary function of the Occipital lobe of the brain is a Abstract thinking planning b Touch spatial orientation c Vision d Speech comprehension C 22 Lecture Information is transmitted from one neuron to another at the a Axon b Myelin Sheath c Nucleus d Synapse D 23 Experienceexpectant processes of brain development a are the result of specific individual experiences b have been found in chick embryos and rats but not in humans c anticipate certain experiences that are typically universal for humans d allow organisms to learn from experience C 24 The development of neural connections initiated in response to experience is called an _____________ process a cultural b evolutionary c experienceexpectant d experiencedependent D 25 Which of following has occurred when a newborn stops attending to a repeatedly presented stimulus a modeling b habituation c classical conditioning d operant conditioning A 26 Lecture In the days when behaviorism was the accepted story of development the newborn was considered _________________ with respect to sensory and motor systems a incompetent b competent c highly competent d super competent A 27 Lecture The sensory motor relational action systems are a available at birth b available at birth and explained by biology c available at birth and explained by the environment d available by the 5th prenatal month A 28 Lecture The idea that at birth actions are coordinated comes from a Learning Theory b Operant Theory c the Incompetent Infant story d the Competent Infant story D 29 Lecture The PreAdapted Action System that is designed to keep infant and caregiver in close proximity is called the a Sensory system b Motor system c Sensorymotor system d Relational system D 30 Newborns have been found to show a preference for the sound of a human voices b lowpitched tones c instrumental music d very loud noises to very soft noises A 31 Studies of newborn infants auditory preferences demonstrate that a Infants prefer to hear foreign languages more than their own language b Infants prefer the sound of the human voice to other types of sounds c Infants prefer lowpitched voices to highpitched voices d Infants hearing is not acute enough for them to demonstrate preferences for particular categories of sound B 32 Which factors appears to be responsible for blurry vision in early infancy a immaturity of the lens of the eye b immaturity of the retina of the eye c immaturity of the neural pathway from the retina to the brain d All of the answers are correct D 33 When looking at images of faces newborns prefer a images that have jumbled features over those with normal configurations b images that are stationary to those that move in front of them c images that depict a stranger over those that depict someone more familiar d images that have more elements in the upper half than bottom half D 34 Nursing involves coordination of a the rooting and sucking reflexes alone b sucking breathing and swallowing by the infant c infants sucking behaviors with the behaviors of their caregivers d infants mothers behaviors with little contribution from the infants B 35 Temperamental characteristics such as activity level or intensity of reaction to a situation are thought to be a present at birth b established during the first month of life c established by 1 year of age d established by 2 years of age A 36 According to Thomas and Chesss ratings of temperament babies who adapt quickly to circumstances are playful and are regular in their biological functions are labeled a easy b pleasant c emotional d unemotional A 37 What seems to be the best researchbased conclusion about the outcomes of cosleeping for infant development a Cosleeping is clearly stressful for the infant b Except in rare cases cosleeping does not seem to make a great deal of difference c Cosleeping is found only in traditional nontechnological societies d Cosleeping is associated with societies that emphasize independence in childrens development B 38 According to Piaget infants earliest schemas are a the action systems they have at birth b learned through reinforcement or lack of reinforcement c sensory in nature but not presently including a motor component d conditioned responses learned during the first few months after birth A 39 When they perform primary circular reactions infants a repeat pleasurable actions for their own sake b perform reflexes elicited by environmental events c perform actions in order to receive reinforcement from adults d avoid performing actions that lead to unpleasant consequences A 40 Lecture Conditioning Theories a focus primarily on discontinuous development b explain the development of novel forms of behavior c are best for explaining infant rather than childhood development d play little role in explaining development D 41 Lecture According to Piaget development is explained by a action b assimilation c accommodation d all of the above D 42 Lecture According to Piagets theory the first mental organization develops a at birth b within the first three weeks c around 3 months d through schemes C 43 Lecture Core consciousness appears a at birth b within the first three weeks c around 3 months d around 6 months C 44 Lecture According to the Adhesive model of the motherinfant relationship the glue binding the two is a innate b biologically determined c based on feeding d based on preadapted action systems C 45 Lecture Harlows experiments raising monkeys on wire mothers did not support the_____________ model of motherinfant relationships a dynamic systems b behaviorist c organismic d relational B 46 Lecture The emotions theory that the Neonate begins with a neural system prewired to sense various emotionsfeelings given appropriate situation in which to express them is a part of the a Nativist model b Empiricist model c Behaviorist model d Developmental Systems Model A 1 The area of the brain thought to be crucial for the appearance of the ability to inhibit impulses is the A brain stem B hippocampus C cerebral cortex D prefrontal cortex D 2 Changes in the prefrontal cortex between 7 and 9 months of age seem to be important for the emergence of A complex reflexes B impulse inhibition C simple reflexes D speech recognition B 3 According to Piaget infants between the ages of 4 and 8 months act on the world through A their inborn reflexes B primary circular reactions C secondary circular reactions D a welldeveloped understanding of object permanence C 4 Brandy age 5 months has become interested in objects and will repeat actions with them that happen by chance Piaget would say Brandy is engaging in what type of activity A primary circular reactions B secondary circular reactions C tertiary circular reactions D coordination of secondary circular reactions B 5 At which substage of Piagets sensorimotor period would you expect to first see children engaging in trialanderror experiments on the world around them A substage 3 B substage 4 C substage 5 D substage 6 C 6 The hallmark of the fourth sensorimotor substage is A simple reflexive activity B focus on external objects C the ability to prolong pleasurable activities D the ability to coordinate actions to achieve a goal D 7 Which circular reactions are characterized by the use of systematically varied action sequences A tertiary B primary C secondary D coordinated A 8 In substage 6 of the sensorimotor period childrens play becomes more A rigid B concrete C impulsive D imaginative D 9 Which of the following statements might Piaget have made about the new modes of thought that occur near the end of the second year of life A Children begin to think in a new way near the end of the second year of life because of the expectations their culture has for them B Near the end of the second year of life children begin to repeat chance events with their bodies and objects C Children begin to think near the end of the second year of life because of the emergence of mental symbolic representation D Exuberant synaptogenesis accounts for the new modes of thought that occur near the end of the second year of life C 10 A girl who sees a windup toy move under the bed runs around to meet it on the other side This is behavior we might see in a child who is in of the sensorimotor period A substage 3 B substage 4 C substage 5 D substage 6 D 11 Lecture Some have argued that the formation of mental representations depends heavily on experience This statement is one that Piaget would A agree with B disagree with as it is based on schemes C disagree with as it is based on operations D ignore as this is a cultural explanation A 12 Lecture The self that emerges at substage 6 of the sensorimotor period is the A ecological self B volitional self C symbolic self D reflective self C 13 Lecture Some have argued that the formation of mental representations depends heavily on experience This statement A is critical of Piagets position B is in agreement with Piagets position C is irrelevant to Piagets position D fails to consider the role of symbols in development B 14 The ability to recognize themselves in the mirror A has been observed in all species of primates B is demonstrated by human infants from the first weeks of life C is demonstrated by human infants beginning at about 18 months of age D is demonstrated by human children beginning at about 36 months of age C 15 According to Piaget we can infer that infants understand that objects continue to exist when out of sight if they A are at least 6 months of age B actively search for the hidden objects C show no sign of worry when the objects disappear D can perform secondary circular reactions involving those objects B 17 Which of the following statements best describes infants behaviors toward novel objects A Infants ignore novel objects preferring to interact with familiar objects B Infants attend to novel objects only after they have sufficiently processed more familiar objects C Infants prefer to interact with novel objects over familiar objects in all circumstances D Infants prefer novel objects to familiar objects in conditions when neither object is visible B 19 In a series of experiments RoveeCollier and her colleagues demonstrated that infants of various ages could learn to activate a mobile by kicking and that merely seeing the mobile at a later date would lead to kicking These studies demonstrate that infants A can remember events but their memory develops slowly between 2 and 6 months B can remember events and their memory develops rapidly between 2 and 6 months C can not remember events until at least 4 months of age but afterwards their memory increases rapidly D can not remember events until at least 4 months of age and after that their memory increases slowly B 20 Lecture Recall memory is A based on signals B based on symbols C acquired at the beginning of the sensorimotor stages D absent in infancy B 21 Lecture Implicit memory is A related to signal recognition B related to symbolic recall C memory for how to do things D memory of facts and events A 22 Lecture Declarative memory is A related to signal recognition B related to symbolic recall C memory for how to do things D memory of facts and events D 23 Differential Emotions Theory argues that new emotions A are innate and emerge according to a biologically determined timetable B emerge from more general positive and negative reactions C emerge due to reciprocal interactions with adults D emerge to ensure an infants survival A 24 Which of the following is an example of a selfconscious emotion A love B fear C pride D surprise C 25 Lecture Happy joy elation sad fear anger surprise disgust are A primary feelings B primary emotions C secondary feelings D secondary emotions B 26 Lecture Embarrassment shame pride guilt jealousy are A primary affects B primary emotions C secondary affects D secondary emotions D 27 Lecture Fear A is present shortly after birth B appears at about 34 months C appears after acquiring a permanent object D is explained best as being innate C 28 Lecture Stranger fear A appears present shortly after birth B appears at about 34 months C has maximum intensity at 12 months D has maximum intensity at 18 months C 29 Lecture Both stranger and separation are best explained by A Nativism B learning principles C differentiation emotions theory D scheme discrepancy D 30 Lecture Separation fear is reduced when A the infant learns to crawl and walk B the infant acquires secondary emotions C the infant becomes familiar with a stranger D the infant develops an volitional self A 31 An infants smiles are truly social when they A occur in response to changes in brain waves B are triggered by sights and sounds from outside C occur during sleep as well as during waking times D occur in response to and elicit the smiles of another person D 32 How do typically developing babies react when their mothers stop responding to them in a normally responsive manner A They make deliberate attempts to reengage their mothers by smiling and cooing B They become fussy and avert their gaze C They show no evidence of noticing their mothers unusual behavior D They immediately fall asleep B 33 Research suggests that maternal depression influences parentchild interactions in which of the following ways A Mothers who suffer from depression are overly animated with their infants causing infants to disengage from interactions B Mothers who suffer from depression are relatively unresponsive to their infants causing babies to disengage from interactions C Mothers who suffer from depression overstimulate their infants causing babies to protest during interactions D Mothers who suffer from depression are relatively unresponsive to their infants causing babies to become extremely agitated during interactions B 35 At about what age do the first overt signs of distress at separation from their mothers appear in infants A 3 months B 5 months C 7 months D 10 months C 37 Freud suggested that babies become attached to those who satisfy their need for A food B sleep C exploration D contact comfort A 38 An example of a biological drive is A hunger B attachment C myelination D physical growth A 39 Harlows initial monkey studies using wire and cloth mothers were carried out in order to test the role of which of the following in the formation of attachment A trust B memory C autonomy D drive reduction D 40 Which theory of attachment did Harlows monkey studies help to rule out A the social theory B the evolutionary theory C the drivereduction theory D the developmental systems theory C 41 Harlows studies of attachment in monkeys support which ideas about attachment A Freuds drive reduction theory B Skinners conditioning theory C Ainsworths strange situation theory D Bowlbys theory D 42 From observations of the adult behavior of surrogateraised monkeys it has been concluded that A inanimate surrogates can make perfectly acceptable mother substitutes for infant monkeys B an adequate amount of milk is both necessary and sufficient for infant monkeys normal development C social interaction with other monkeys is necessary for infant monkeys healthy social development D an adequate amount of contact comfort is both necessary and sufficient for infant monkeys normal development C 45 Lecture According to Bowlby crying sucking clinging smiling are A learned responses B innate rewponses C reflections of the infants basic biological needs D reflections of a preadapted mental system D 46 Lecture Bowlbys Stage of Clear Cut Attachment corresponds to A mother becoming a secure base B the emergence of the volitional self C the beginning of extended consciousness D all of the above D 47 Secure base is the term that John Bowlby used to describe the A physical changes that allow the child to balance while walking on two legs B psychological changes that allow the child to think about absent objects C social changes that make it easier to the child to show secondary emotions D people whose presence provides the security necessary for exploration D 48 The term internal working model is associated with which theoretical perspective on attachment A Freuds drivereduction theory B Eriksons psychosocial theory C Bowlbys ethological theory D Harlows maturational theory C 49 According to Bowlby infants achieve a firm reciprocal emotional relationship with caregivers and this relationship helps the infant cope with increasing frequent and lengthy separations Because of infants growing symbolic capacities parentchild attachments begin to serve as ___________________ that can guide their interactions with caregivers and others A positive reinforcment B an early from of induction C an internal working model D a tertiary circular reaction C 51 In avoidant attachment as measured in the strange situation A infants cry when their mothers leave the room and seek them out for comfort when they return B infants appear anxious in their mothers presence and are more relaxed and playful when their mothers leave the room C infants may or may not cry when their mothers leave the room and do not seek them out for comfort when they return D infants become upset when their mothers leave the room but alternately seek and pull away from them when they return C 52 Children rated as falling into the _______ category of attachment are indifferent to the presence of their mother in the strange situation while children in the _______ category stay close to their mother and appear anxious even when she is near A resistant avoidant B avoidant resistant C disorganized avoidant D disorganized securely attached B 53 What is the basic purpose of the strange situation procedure A to determine whether or not infants are being neglected or abused by caregivers B to investigate whether infants are sufficiently independent from their caregivers for healthy development to proceed C to assess the quality of infantcaregiver attachment relationships D to provide training to caregivers to help them better meet the needs of infants C 55 Which of the following accurately describes research on fatherinfant attachment A Infantfather pairs are more likely to demonstrate insecure patterns of attachment than infantmother pairs B Infantfather attachment relationships depend on fathers sensitivity to childrens needs C Regardless of the quality of attachment to fathers babies turn to mothers for comfort when under stress D Attachment to fathers is not established until the second year of a childs life B 56 Under what conditions would you most expect a baby to become securely attached to a childcare provider A when the child is in care for over 20 hours per week B when the childs care provider is female C when the childs parents do not offer sensitive and responsive caregiving D when the childcaregiver ratio is low D 58 Research on fathers as caregivers indicates A they respond as sensitively to their babies feeding rhythms as do mothers B when fathers are judged to be sensitive caregivers their babies are as attached to them as they are to their mothers C both a and b are correct D both a and b are incorrect C 59 Jay Belsky is prominent among those who believe extensive time spent in infant outofhome care during the first year of life A has no significant effect B is likely to lead to insecure patterns of attachment C can be beneficial in developing the social skills of the infant D can not be investigated due to too many other intervening variables B 60 Jay Belsky has reported negative effects of outofhome care for A infants under one year of age who spend any time in outofhome care B infants under one year of age who spend more than 20 hoursweek in outofhome care C children under 3 years of age who spend any time in outofhome care D children under 3 years of age who spend less than 20 hoursweek in outofhome care B 61 At present the most comprehensive study by the US government on the effects of daycare has found a slight negative relationship between the hours young children spend in day care and A attachment relationships B social behavior C intellectual development D All of the answers are correct D YOU MIGHT ALSO LIKE 60 terms PsychologyUnit 1 70 terms Developmental Psychology Exam 1 Ch 17 174 terms Lifespan Development 70 terms Human Growth 56 OTHER SETS BY THIS CREATOR 172 terms FINAL GNP III 41 terms EBP Qxam 3 69 terms Nursing Exam 3 26 terms Epidemiology 2 THIS SET IS OFTEN IN FOLDERS WITH 110 terms developmental psychology exam 1 62 terms Developmental Psychology Exam 2 Review 40 terms Psych Test 2 Quizzes 83 terms Developmental Psychology Exam 1 Chapters 16 Upgrade to remove ads Only 1month

O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


EMR Chapter 3 FLASHCARDS WRITE SPELL TEST MATCH GRAVITY Upgrade to remove ads Only 1month Which of the following concepts is the first and MOST important when providing patient care CLICK THE CARD TO FLIP IT Above all else do no harm CLICK THE ARROWS BELOW TO ADVANCE 1 10 Terms in this set 10 Which of the following concepts is the first and MOST important when providing patient care Above all else do no harm A citizen who encounters a motor vehicle crash Is not required by law to stop An emergency medical responder EMR has a legal duty to act While employed by an agency as an EMR To comply with the standard of care the EMR must Treat the patient to the best of his or her ability and provide care that a reasonable prudent person with similar training would provide under similar circumstances You are a volunteer EMR and have placed your name on the schedule to respond for a 12hour shift With 10 minutes left in your shift you are dispatched for a patient with a possible fractured leg You should Proceed to the scene at once While functioning at the scene of a patient in cardiac arrest you do not initiate cardiopulmonary resuscitation CPR because the patient is elderly and you think that he is probably dead Paramedics arrive and determine that the patient has only been in cardiac arrest for 6 minutes Which of the following statements regarding this scenario is correct You may be held liable for failure to follow the standard of care The scope of care under which the EMR functions is specified by the EMS system medical director As part of your ethical responsibilities you are expected to Conform to accepted professional standards of conduct In general you should never change or alter a patient care report unless You need to correct an error to ensure that the information is accurate A patient who verbally or nonverbally lets you know that he or she is willing to accept treatment is giving you ____________ consent Expressed YOU MIGHT ALSO LIKE Chapter 3 20 terms EMT Chapter3 50 terms EMT Chapter 3 31 terms Chapter 3 Emt OTHER SETS BY THIS CREATOR 11 terms CPRFirst Aid 139 terms Literary Terms 10 terms 8190 10 terms Vocabulary 7 THIS SET IS OFTEN IN FOLDERS WITH 10 terms EMR Chapter 4 10 terms EMR Chapter 5 10 terms EMR Chapter 2 30 terms Chapter 1

B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O B O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O B O O O O B O O O O O O


Fundamentals Module 2 Lesson 1 FLASHCARDS WRITE SPELL TEST MATCH GRAVITY Upgrade to remove ads Only 1month A patient was diagnosed with a urinary tract infection The patient has been drinking fruit juice and has increased his intake of fluids but has failed to take his antibiotic as prescribed because it caused gastric upset Three days later the patient presents to the clinic with fever malaise nausea and vomiting What might you suspect CLICK THE CARD TO FLIP IT The patient may now have a systemic infection CLICK THE ARROWS BELOW TO ADVANCE 1 8 Terms in this set 8 A patient was diagnosed with a urinary tract infection The patient has been drinking fruit juice and has increased his intake of fluids but has failed to take his antibiotic as prescribed because it caused gastric upset Three days later the patient presents to the clinic with fever malaise nausea and vomiting What might you suspect The patient may now have a systemic infection The nurse is preparing to insert a urinary catheter To perform this procedure the nurse will use Surgical Asepsis surgical technique The nurse is working in a busy emergency room On entering station 1 the nurse dons a pair of clean disposable gloves The nurse sees that the patient has a gunshot wound to the chest and is concerned there may be splattering of infectious materials The nurse applies goggles a mask and a gown What is this called Following standard precautions A nurse assists a patient with a Foley catheter to ambulate down the hall The nurse holds the catheter bag above the level of the patients bladder What link in the chain of infection is the nurse breaking by doing so Portal of entry The nurse manager is reviewing the use of standard precautions with the staff Which of the following should be included in the review Select all that apply Standard precautions are used to protect you from potential contact with blood and body fluids Standard precautions should be observed in every patient encounter A small group of nursing students is giving a teaching presentation on the principles of surgical asepsis Which of the following standards are appropriate to include in the presentation Select all that apply A sterile barrier that has been permeated by moisture must be considered contaminated A sterile object or field out of the range of vision or an object held below a persons waist is considered contaminated If there is any doubt about an items sterility the item is considered to be unsterile All items used within a sterile field must be sterile A nurse is teaching infection control to a group of daycare workers Which of the following should the nurse include in the instruction Immunizations help protect children from being susceptible hosts The nurse is caring for four individuals Which patient would be most atrisk for infection The patient who is receiving immunosuppressive medication YOU MIGHT ALSO LIKE Fundamental Nursing Chapter 23 Asepsis and Infection Control PrepU Fundamental Nursing Chapter 23 Asepsis and Infection Control PrepU 36 terms Prep U 18 82 terms Prep U Ch 18 OTHER SETS BY THIS CREATOR 26 terms Research Quiz Qualitative 17 terms Research Quiz Quantitative 419 terms Med Surg II Exam 1 26 terms Quiz 1 Research THIS SET IS OFTEN IN FOLDERS WITH 5 terms Fundamentals Module 3 Lesson 3 6 terms Fundamentals Module 3 Lesson 4 12 terms Evolve 23 6 terms Fundamentals Module 2 Lesson 2

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Economic History of the United States FLASHCARDS WRITE SPELL TEST MATCH GRAVITY Upgrade to remove ads Only 1month Hamiltonian Economics Report on Manufacturers CLICK THE CARD TO FLIP IT submitted to congress in 1791 by placing tariffs on foreign imports prohibit imported manufactured goods not allow raw materials to be exported and he wished that there was more inspection of manufactured goods to increase their quality CLICK THE ARROWS BELOW TO ADVANCE 1 26 Terms in this set 26 Hamiltonian Economics Report on Manufacturers submitted to congress in 1791 by placing tariffs on foreign imports prohibit imported manufactured goods not allow raw materials to be exported and he wished that there was more inspection of manufactured goods to increase their quality First National Bank the central bank of the US set up by Congress to have a 20year term Alexander Hamilton suggested its creation its charter was let expire in 1811 Second National Bank chartered in 1816 the main reason it was chartered was because of the War of 1812 most of the banks were in the North and the Northern states did not want to go to war so the US got little funding from bans for the war the bank was upheld as legal in the court case McCulloch v Maryland Andrew Jackson vetoed the banks renewal charter because of his hatred for the banks president Nickolas Biddle Cotton Gin Was created by Eli Whitney to create an easier process of separating cotton fibers from cotton seeds this allowed cotton growers to produce more cotton and to have more of their workers to work in the field picking the cotton in stead of dedicating hundreds of manhours to picking the seeds out of the cotton Panic of 1819 This event in United States history happened just after and partly in result of the War of 1812 The Panic of 1819 was a short economic recession within the Era of Good Feelings Historians think it was caused by inflation resulting from the war the closing of the Second National Bank and the land speculation trend of the era President Monroe pulled the United States out of this recession by ensuring fiscal stability legislating against speculation and encouraging westward movement Land Act 1820 Henry Clays American System The American System was an idea that Congressman Henry Clay pushed for shortly after the War of 1812 Its main points were creating a national bank a high tariff and federal subsidies for internal improvements Clay also encouraged the South and Northeast to support each other by buying each others materials or products First Industrial Revolution a period from 1750 to 1850 where changes in agriculture manufacturing mining transportation and technology had a profound effect on the social economic and cultural conditions of the times factory work became more common Canals Erie Canal in 1825 created major business in cities surrounding it connected the inner US with the Atlantic Steamboats Grew with the success of the canals and continued to increase in success and profit throughout the first half of the nineteenth century Trains 30000 miles of track by 1860 built mainly in the north first half of the 1800s gave rise to rail roads because a boom of business in need of transportation the government funded most of the building Irish immigrants worked the built the rail roads for the most part executives reaped great profits Panic of 1837 and subsequent depression After Jackson destroyed the Second National Bank deposits were moved to state and local banks called Pet Banks or Wildcat Banks These banks adopted a relaxed credit policy and started giving too many loans to people for investing in land In response to this Jackson ordered the Specie Circular of 1836 which stated that land sales must be completed in gold or silver In other words you must have hard currency to buy land instead of borrowing money As a result land prices plummeted People who borrowed too much ended up foreclosing on land In addition many banks went under Panic of 1857 The panic of 1857 was a combination of various flaws in the economy A surplus of wheat caused a drop in its value This checked agricultural expansion As a result the railroad industry suffered In addition there was overspeculation in railroads and lands The area most affected by the Panic was the upperMidwest Wisconsin Minnesota Indiana and Illinois However the Panic affected the South very little Cotton prices remained high and in demand The Panic also fueled NorthSouth tensions Some Southerners believed the South would be better off economically if it were separate from the Union The North however blamed Black Friday 1869 and subsequent depression The Panic was a result of a scandal under the Grand Administration The Scandal resulted when two speculators named James Fisk and Jay Gould tried to corner the gold market By cornering the market they were able to regulate the price of the market and thus profit greatly However they accomplished this by working with the assistant treasurer of the United States Daniel Butterfield who tricked Grant into the Government selling excessive amounts of gold which Fisk and Gould would quickly buy up By monopolizing the market they caused gold prices to rise and stocks to plummet ruining many investors Panic of 1873 This began in midSeptember of 1873 with the failure of Jay Cooke and Company the United States prime investment firm Jay Cooke and Company backed up the Northern Pacific Railroad and handled most of the governments wartime loans by advertising and selling bonds The New York Stock Exchange closed for ten days people foreclosed on their homes and banks failed Factories closed people lost their jobs and major railroads failed Many people blamed President Ulysses Grant and Congress for not handling the economy well Tensions also rose between workers and banking and manufacturing leaders leading to the worker movement of Panic of 1893 In the last few days of the Harrison administration the Reading Railroad a major eastern line collapsed financially Many banks and businesses depended on this railroad and they failed also The stock market fell and European investors pulled their funds from the US The West and South were undergoing an agricultural depression as well Also the nations gold reserve had been declining The Sherman Silver Purchase Act and lavish spending contributed to the recession When Cleveland was sworn in he tried to rescue the gold standard but this led to a split in the Democratic Party Many believe that this Panic of 1901 The Panic of 1901 was the first stock market crash on the New York Stock Exchange caused by EH Harriman Jacob Schiff and JP Morgan fighting for control of Northern Pacific Railway Prices of stock on many different railroads in the US began to fall and soon the whole market was going down Numerous small investors were ruined as a result of this Andrew Carnegie and Steel Bron in Scotland in 1948 Andrew Carnegie was the owner of the Carnegie Steel Company during the late 1800s and became one of the wealthiest and influential Americans that ever lived He dominated the steel industry with use of a vertical monopoly which allowed him to own every part of the steel making industry from digging to manufacturing to shipping By owning each step he was able to avoid high expenses and invest more in efficiency and quality of his enterprise He had the business montra to expand his company during bad times which allowed him to buy out his John D Rockefeller and Standard Oil owned and operated Standard Oil the Largest Oil CompanyHorizontal Monopoly in the US during the late 19th and early 20th century Standard Oil owned 91 of the US Oil Market through the technique of a Horizontal monopoly which owned all of one stage of business like production Rockefeller was the worlds first billionaire and considering inflation over time most likely the worlds most richest man ever He was a philanthropist and gave his money to mostly medical and scientific causes but did not do so until late in his career Jay Gould and Railroads Jay Gould was an American Railroad tycoon and speculator during the mid 1800s He was involved in Tammany Hall and Boss Tweed Ring who granted favorable legislation for him when he was constructing the Eerie Railroad System He gained control of the Union Pacific and Missouri Pacific Railroad and constructed railroads all over the Midwest As people began to expand industry and keep expanding Westward the Railroads became more and more important giving Gould a high demand for business Gould also contributed to the Black Friday Scandal in which he and Fisk bought lots of gold to corner the market JP Morgan was an American financierbanker who dominated banking and industrial consolidation in the late 19th and early 20th century He organized the merge of Edison General Electric and ThomasHouston Electric to make General Electric and United States Steel which was a consolidation of the steel industry including the Carnegie Steel Company Morgan also helped organize a coalition that aided with the Panic of 1907 Morgan rose to power first by buying railroads but eventually specialized in business and banking Morgan bought companies and made them profitable by reorganized business and management tactics In the Panic of 1893 Morgan singlehandedly bailed out Henry Ford and automobiles an industrialist and businessman most known for being the owner of Ford Motor Company In 1896 Ford became an engineer with the Edison Illuminating Company in Detroit and created his own selfpropelled vehicle called the Quadricycle Even though this was not the first selfpropelled vehicle with a gasoline engine in the US Ford became a leading automotive pioneer In 1903 Ford Motor Company was founded with him as vicepresident and chief engineer In 1908 the Model T became the leading car being sold in the US With the growing demand Ford combined manufacturing interchangeable parts and a division of labor Panic of 1907 The Panic began when F Augustus Heinz and his United Copper Company tried to corner the market Heinz his brother Otto and a Wall Street banker Charles W Morse developed a scheme where they would aggressively purchase United Copper stock driving the value up and then get people to short sell theirs potentially creating an even bigger gain In order to get the money to start this scheme off they brought in Charles T Barney from the Knickerbockers Trust Company On the first day of the schemes action they purchased massive amounts of United Copper Stock driving the price up Great Depression The Stock Market Crash along with the mal distribution of wealth the Dust Bowl and other economic factors began the Great Depression The Great Depression began under President Herbert Hoover who tried to control it by giving stimulus money to the businesses and corporations not the people hoping that this would cause businesses to stay afloat and provide jobs He also tries many temporary relief works such as the Reconstruction Finance Corporation and the 500 million to public works projects The Depression continues and Franklin Delano Roosevelt gets elected He immediately puts the New Deal into action In the first Post War Prosperity 19451973 After WWII in the late 1940s the United States experienced an economic boom that was spread pretty evenly across economic classes There was a large expansion of the middle class and labor unions flourished This was the result of many things First off World War II really got the economic engine of America going again After the war the United States was really the only major industrialized economy that was both ready and capable to take on European reconstruction which served as an external stimulus Another factor was the fact that during the war the people back home were only Crisis of 1973 Oil and Stagflation The Crisis of 1973 was a result of the decision of Arab members of OPEC to place an embargo on oil This was a reaction the United States decision to continue to offer military supplies to Israel during the Yom Kippur War This caused Stagflation which is a situation where the inflation rates are high the economic growth rate is slow and unemployment is high As a result it is a very difficult economic situation to be in for government action to reduce inflation rates may harm economic growth and unemployment as well as viceversa The immediate result was a Black Monday Black Monday refers to a huge economic crash that occurred on Monday October 19th 1987 The crash started in Hong Kong moved to Western Europe and eventually hit the United States The Dow Jones Industrial Average dropped over 22 33 economists as a result met in DC to discuss the issue and decided that we could have the next Great Depression on their hands However this happened to not come true as two years later the DJIA was once again healthy with little collapse following Black Monday Probable causes for Black Monday include program trading overvaluation illiquidity and market psychology

B I O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


ARTS test 1 2 FLASHCARDS WRITE SPELL TEST MATCH GRAVITY Upgrade to remove ads Only 1month Terms in this set 42 In ancient Egypt this part of the human body was used as a standard of measurement Six of these equaled a cubit Palm Photographers can not be responsible for principles of scale or proportion in their photographs False Picassos Las Meninas is__________ Representational If an artist painted a street scene with one large building on the lefthand side and two smaller buildings on the righthand side this would be an example of ________balance Asymmetrical Motion is not the only indicator of the passage of time in art ________use the changing properties of organic material to create a sense of time passing in their art Bioartists In this painting The Flagellation Italian artist Pero della Francesca created unity by concentrating on groups of figures in two different areas_________and________ Foreground background Duration tempo intensity scope setting and chronology are All of the other answers The American painter used small abstract motifs to create a huge selfportrait Chuck Close The undecorated areas of the Peruvian doublechambered vessel with mouse 11141 are ______compared to other areas that are patterned or modeled in the three dimensions Subordinated Both biographical and historical analysis are important for understanding the meaning of Velazquess Las Meninas True By emphasizing the color field in the center of Tin Lizzie Green the artist who painted it intended to focus the viewers attention on the works____space Negative Romare Beardens work The Dove uses an underlying _____reflecting the city streets to create a sense of order Grid This inventor cocreated the film Fred Otts Sneeze which was one of the first American movies Thomas Edison This symmetrical Chinese motif appears in art as a monster that is made from many other designs Tao tieh The atmosphere of Edward Hoppers Nighthawks created by the lack of people on the street the absence of street lights and the somber mood of the customers in the café is one of _____ Loneliness The opposite of emphasis is ______ Subordinaton The Swedish born artist Claes Oldenburg uses this kind of scale in his sculpututes to express admiration for the little things in everyday life Monumental When an artist creates a work that deceives our eyes into believing there is motion as time passes this is called _____ The illusion of motion Joseph Cornell created boxes that contain compositions of ______objects Found The Funeral of St Bonaventure is a painting by the Spanish artist _____ Fransisco de Zurbaran Quilts are a common tool for ink drawing They were originally made from ____ Bird feathers These handwritten illustrated books were created during the middle ages Illuminated manuscripts In this photograph Two Ways of Life Oscar Gustav Rejlander employed methods that emulated the process of _______ Painting The American photographer Edward Weston focused closely on the subject of this Pepper No 30 making the viewer concentrate on the ____and ____of the vegetable Form texture What does the word photograph mean Writing with light This component of paint has traditionally been extracted from minerals soils vegetable matter and animal by products Pigment Egyptian picture symbols are called ______ Hieroglyphics If an artist wanted to create an area of darkness using the medium of silverpoint he or she would use the technique of ____ Hatching This is not a traditional paint binder Lye Images were first reproduced by printmaking in this ancient culture Mesopotamia Samples of this drawing medium have been dated back to 30000 BCE Charcoal The Ford Motor Company created a logo from this handwriting style which was practiced in nineteenth century America Spencerian script When Paphael was preparing to paint his fresco The School of Athens he did a large drawing called ____ to help place the design on the wall A cartoon This is the name that refers to the empty space around type or other features in a layout White space This type of printmaking does not require the artist to cut into a surface the ink is suspended by other means to complete the print planographic What does Birgit Megerles light touch with the colored pencil communicate to the viewer in her drawing Untitled A sense of stillness This nineteenthcentury French artist is highly regarded for the outstanding layout design of his posters for a Parisian nightclub called the Moulin Rouge ToulouseLautrec Who was the german inventor of the printing press and movable type Johannes Gutenberg The photographer of Afghan Girl was able to locate the girl many years later using ____ as a means of identification Iris recognition This intaglio process employs acid to mar the surface of a metal plate Etching This contemporary painting medium uses a polymer resin as a binder Acrylic This tag artist started out creating graffiti art in New York City subway cars before producing museum works like Aeroplane 1 Crash

B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


insurance course chapter 35 FLASHCARDS WRITE SPELL TEST MATCH GRAVITY Upgrade to remove ads Only 1month Term life insurance CLICK THE CARD TO FLIP IT Low cost insurance protection for a specified period and pays only if insured dies during that period CLICK THE ARROWS BELOW TO ADVANCE 1 66 Terms in this set 66 Term life insurance Low cost insurance protection for a specified period and pays only if insured dies during that period Industrial insurance Burial insurance small issue amount such as 1000 with weeklymonthly premiums Limited pay whole life Has level premiums that are limited to a specified number of years Would best suit a prospective insured who desires permanent insurance but does not want to pay premiums indefinitely Endowments Cash value that grow at a rapid pace so that the policy matures or endows at a specified datebefore age 100 Joint life policy Covers two or more people It pays the death benefit at the first insured death premium is less then for separatemultiple policies Joint life and survivor policies Covers two lives but the benefit is paid upon the death of the last surviving insured Juvenile insurance Is life insurance that insures the life of a minor does not need the consent of the minor payor provision in the event of the death of the premium payer the premium will be waived until the insured child reaches a specific age25 Credit life insurance Covers the life of a debtor and pay the amount due on a loan if the debtor dies Adjustable life insurance Flexibility that comes from combining term and permanent insurance into a single plan 30 pay life Limited pay whole life policies have level premiums that are limited to a certain period Insuring clause Sets forth the companys basic promise to pay benefits upon the insured death Owners rights provision Defines the person who may name and change beneficiaries select options available under the policy and receive any financial benefits from the policy Free look policy The right to return the policy for a full premium refund within a limited period of time after the delivery of the policy amount and not the accidental death riders Policy loan provision Policy owners may borrow from the cash bailed of their policies if not repaid by the time the insured dies the loan balance and any interest accrued are deducted from the policy proceeds at the time of claim Incontestable clause After a certain period of time usually 2 years the insurer no longer has the right to contest the validity of the life insurance policy so long as the contract continues in force if an error was deliberately made on the application it must pay the death benefit if the policy passed the contestable period Waiver of premium rider if the company determines that the insured is disabled the policy owner is relieved of paying premiums as long as the disability continues Accidental death benefit rider Aka Double indemnity provision if the insured does in a accident the total benefit paid would be double the policys face value Any policy loans are subtracted from the policys face amount and not What kind of special needs would a policy owner require with an adjustable life insurance policy Flexible premiums When switching from a term policy to a whole life policy without providing proof of good health which of these apply Conversion provision A variable insurance Permanent life insurance that allows you to allocate a portion of your premium to a separate account compromised of investment funds such as stocks bonds equity funds etc A variable insurance Does not guarantee a return on its investment accounts Fixed level premium Credit life insurance is Issued in an amount not to exceed the amount of the loan What kind of insurance policy supplies an income stream over a set period of time that starts when the insured dies Family Maintenance policy What kind of premium does a while life policy have Level Variable whole life insurance can be described as Both an insurance and securities product A decreasing term rider can add additional coverage to A whole life policy Which requires a policy owner to provide proof of insurability in an adjustable life policy Increase face amount MEC Exceeds the maximum amount of premium that can be paid into a policy and still have it recognized as a life insurance contract Whole life policy Death benefit can be borrowed against Life insurance that covers an insured whole life with level premiums paid over a limited time is called Limited pay life Life insurance needs for a specific time at the lowest premium is called Level term insurance Mary let her insurance lapse 8 months to non payment she can reed tabling coverage under which provision Reinstatement provision Term riders allow an applicant to have Excess life insurance coverage Which is not an example of Nonforfeiture Life income Which provision states who may select policy options designate and name a beneficiary and be the recipient of any benefits from the policy Owners rights The option that provides an additional death benefit for a limited amount of time at the lowest possible cost is called Accidental death and dismemberment rider Premium mode Refers to the policy feature that permits the policy owner to select the timing of premium payments Tax free Lump sum Death benefit is paid in a single payment minus any outstanding policy loan balances and overdue premiums Tax free Life income The life income option provides the beneficiary with an income that they can not outlive Guaranteed as the recipient lives Accelerated benefit Allows someone that a physician certifies as terminally ill to access the death benefit Tax free Viatical settlement Allows someone with a terminal illness to sell their existing life insurance policy to a third party for a percentage of the face value the new owner continues to make the payments and will eventually collect the entire death benefit Life insurance proceeds paid to a beneficiary are Generally exempt from taxes If taken as a lump sum Per stirpes Bloodline if beneficiary dies before the insured benefits will be paid to that beneficiaries heirs Per capita Evenly distributes benefits amoung all named living beneficiaries Common disaster provision If both the policy owner and the primary die within a short period of time the primary must out live the insured for a specific period of time in order to receive the proceeds Spendthrift clause The benefits are to be paid in fixed installments over a certain amount of time prevents reckless spending of the primary Facility of payment Allows the insurance to pay all or part of the proceeds to someone not named in the policy that has a valid right An irrevocable designation may not be changed without the Written consent of the beneficiary What is true with minor beneficiaries Normally a Guardian is required to be appointed in the beneficiary Clause of the contract What is the underlying concept regarding level premiums The early years are charged more then what is needed The gross premium is higher on a monthly payment mode as compared to Being paid annually What is not taxable The Entire cash surrender value is NOT taxable premiums are tax deductible cash dividends are normally taxed proceeds are received tax free if there is a beneficiary Which terms accurately defines an underwriters assessment of information on a life insurance application Risk classification Conditional receipt States that certain condition must be met in order for the insurance coverage to be into effort Binding receipt Binds the insurer to coverage as of the date of the application or medical exam provided the insurer is a acceptable risk Contributory plan An employee group insurance in which employees share the cost atleast 75 of eligible employees must participate employer may file a tax deduction Noncontributory plan The employer pays the entire cost of the plan 100 of all eligible employees participate Certificate of coverage and benefits is also called Certificate of insurance Franchise life insurance Unlike group plan Each individual will be issued an individual policy which will remain in force as long as the premiums are paid and the employee maintains relationship with the sponsor Group credit life Set up by banks finance companies To provide that if a insured dies before paying off loan the policy benefits will be used to settle the loan balance Blanket life insurance Passengers on a airplane individuals are only covered for the commons hazards Which provision is not a requirement in a group life policy Accidental ADD Group life insurance policies are written as Annually renewable term Immediate annuities start providing income Usually starting within 30days from the purchase date T has income payment for the rest of his life T dies before receiving payments for 20 years the remaining payments will be paid to his son for the balance of the 20 years What type of annuity is this Fixed certain The annuity that represent the largest possible monthly payment to an individual annuitant Straight life annuity YOU MIGHT ALSO LIKE Life Insurance Policies Provisions Options and Riders NC Life Insurance Flashcards 50 terms Insurance Exam Part 3 101 terms life insurance OTHER SETS BY THIS CREATOR 21 terms Life insurance Part 2 60 terms PBDS RETAKE STUDY 36 terms Norman Exam 4 Norman Exam 3 THIS SET IS OFTEN IN FOLDERS WITH 10 terms L4 Life Insurance Premiums Proceeds and Beneficiaries 24 terms 4 Life Insurance Premiums Proceeds and Beneficiaries 31 terms 5 Life Insurance Underwriting and Policy Issue 10 terms Life Insurance Premiums Proceeds and Ben

B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O