Mississippi life insurance exam questions

Mississippi life insurance exam questions. 2019 Mississippi PSI Real Estate Exam Prep Questions, Answers & Explanations Property and Casualty Insurance License Exam Study Guide 2020-2021 Mississippi Life Insurance Exam Questions Downloaded from dev. off-the-job accident. In Mississippi that works out to around $761,100 – $1,522,200. In our premium version, we provide frequently updated practice questions tailored to each US state. $134. Accident & Health: 20 Hours. Consideration b. May 24, 2023 · Book A $20k/mo Profit Strategy Session w/ Me 👉 https://calendly. Questions pertaining to education should be directed to licensing@mid. ms. Feb 14, 2024 · Use a life insurance practice test to prepare for your exam. producer writes an application on a proposed insured. Fined not less than $200 or more than $500, be imprisoned for not less than 1 nor more than 2 years or both. (See assignment) Accelerated benefits rider - ANSWER A life insurance rider that allows for the early payment of some portion of the policies face amount should the insured suffers from a terminal i l l n e s s or injury. Penalty for unlicensed activity. 100% free. An insurance company that replaces existing insurance must provide Career Launcher Package (MS - Life Only) Insurance Accelerator & Online Course—Online Study Tools, Review Exams, Live & OnDemand Online Review Class. The premiums you pay (less expense charges) go into a policy account that earns interest. com Want more? Search your exam at:https://certdemy. The application fee is $100 and the transaction fee is $5. Feb 22, 2024 · Telephone: 888-293-4222 (toll free) How to Reschedule a Pearson VUE exam. STEP 2. pearsonvue. If you’ve received a passing score, you’ll receive your license to practice life insurance in Texas. Casualty Producer exam is 2 hours with 70 questions We create these self-practice test questions module (with 210+ questions) referencing both the principles/concepts as well as some state specific information currently valid in the corresponding insurance trade. Life insurance tax issues. 16 yrs of age. The Mississippi Insurance Department provides the following links to access pre-licensing and continuing education information. We create these self-practice test questions module (with 96 questions) referencing both the principles/concepts as well as some state specific information currently valid in the Jan 19, 2023 · The 90th percentile salary in Mississippi is approximately $76,110. To obtain a license to transact Mississippi Property and Casualty/Liability insurance, you must pass an entry-level exam for the appropriate line of authority. Grant is terminally ill, but he has a cash surrender value life insurance policy that he wants to sell to a private individual. The tests are developed using concepts found in the general portion of the actual exam Aug 18, 2023 · Passing your Mississippi Insurance License Exam is a crucial part out proper an insurance agent. We recommend setting a study calendar for mississippi-life-insurance-exam-questions 2 Downloaded from oldshop. It mirrors the Health Insurance And You. org on 2022-06-14 by guest that includes a fully-customizable test engine, detailed score report and state-specific law supplement. Death benefits are payable to the employer tax free. Group life 3. , Insurance is regulated at the ________. Health plans pay specifies sums for medical expenses or treatment and they can offer many options and vary in their approaches to coverage. Life insurance policies. Life and Health Insurance. Mississippi Health and Life Insurance Exam Apr 7, 2014 · We create these self-practice test questions module (with 210+ questions) referencing both the principles/concepts as well as some state specific information currently valid in the corresponding insurance trade. gov . Study with Quizlet and memorize flashcards containing terms like The Commissioner of Insurance in Mississippi is elected to office for a term of, The burden of proof for determining that a producer is representing an authorized insurer falls on, The fine the Commissioner may levy for violating any provision of the Insurance Code is and more. Click Here to Complete the CE Waiver Affidavit. Life: 20 Hours. Study with Quizlet and memorize flashcards containing terms like Which of the following is an insurance company that is organized under the laws of a Review our Exam rules / testing advice for specifics. gov or call us at 601-359-3582. Series 6 & 63 Investment Licenses Full Course Package--Virtual Learning Experience. C: The grace period is a rider and must be added to a policy for extra cost. Estimate of amount needed to pay the death claims. A passing score is 180 or higher. Don't retten on the outdated material on other Mississippi Life insurance practice test sites. Match. Study with Quizlet and memorize flashcards containing terms like In an individual retirement account (IRA), rollover contributions are, Upon delivery of a rated life insurance policy, the Producer must obtain each of the following EXCEPT?, Which of these require an offer, acceptance, and consideration? and more. In life insurance, insurable interest must exist at the time the. Step 2: Pass the Mississippi Insurance License Exam. If B is killed from an accident on a commercial flight, what will the policy pay B's beneficiary? $100,000 $200,000 $300,000 $400,000. The exam is divided into two sections. This efficient, effective study tool is line-of-authority specific and portable for quick self-quiz anywhere. Mississippi Life Producer Examination . No-exam life insurance is All of the following are true about temporary producer licenses issued by the Commissioner except A. Buy in monthly payments with Affirm on orders over $50. View Adjuster. a fine of up to $5,000. A Self-Practice Exercise Book focusing on the basic concepts of bail bond insurance in MS. D. Download our free eBook to read their tips for a successful insurance career. , How much must the commissioner furnish to guarantee faithful performance of his duties?, Does the insurance commissioner enforce laws and more. Effective November 10, 2017, the department will be providing a 90 day notification for license renewal for insurance producers, adjusters, entities and bail agents. proposed insured has a medical examination. Search Results related to mississippi life insurance exam questions on Search Engine May 2, 2024 · The best no-exam life insurance companies are Brighthouse Financial, Legal & General, Pacific Life and Transamerica, based on our analysis of policy features and costs. Acceptance - ANSWER (See offer and acceptance) Accidental bodily injury provision - ANSWER Disability income or Jul 31, 2020 · For life and health insurance exams, you will be tested on the following general topics: Life insurance general knowledge. Claims. The owner of a life insurance policy may do all of the following. A: The grace period depends on the mode of premium. Temporary licenses are issued for limited term B. Social Security benefits H. Coverage includes buildings, the insured's business personal property, and the personal property of others located at the business premises. Topics covered on the exam include life insurance fundamentals, legal principles, taxation and annuities, and the regulations of the Mississippi Department of Insurance. The premium payment mode can be best described as the. Get The Guide. The tests include 50 questions on general insurance topics and 25 generic state questions that cover topics found in content categories for most states. Aug 20, 2023 · ed, to their stockholders. You can begin the check-in process up to 30 minutes before to 15 minutes after your appointment time. Key person b. Learn more. Flashcards are available in English or Spanish for the following exams: life & health, property Licensing Examinations. A temporary license may be issued to another person upon the death of a licensed agent C. Mississippi Life Insurance Exam Questions are lightweight and can be easily stored on electronic devices, making them ideal for readers on the go. Annuity policy tax issues. Generally speaking, the cost of each exam can be anywhere between $29 and $105. Test your knowledge on fundamental insurance terms and prepare for the exam with more than 100 review cards for each line of authority. have minimum capital requirements and are governed by a board of directors. View Details. Jan 9, 2024 · unequal amounts. Start your exam. $189. A. Apr 6, 2014 · We create these self-practice test questions module (with 210+ questions) referencing both the principles/concepts as well as some state specific information currently valid in the corresponding insurance trade. Life, Accident & Health Producer exam is 2 hours with 125 questions. B. 20 of 20. 20-pay life. Mississippi Accident and Health or Sickness Insurance The exam is designed to test your knowledge of Mississippi insurance laws, regulations, and practices. 24/7 Interactive Online Learning Access. - 30 A physician opens up a new practice and qualifies for a $7,000/month Disability Income policy. 15 yrs of age. Mississippi Insurance Department Email Licensing@mid. While the content of practice tests is not the same as the content of the actual exam, the questions are representative of the types of questions you will see on the exam and are specific to life insurance. Our program comes with 150 Mississippi Life insurance exam questions with detailed answer comments similar to the ones she wants find switch the actual Mississippi Life insurance exam. Whether commuting to work or traveling abroad, users can carry Mississippi Life Insurance Exam Questions with them without the added bulk of physical books. Demutualization - the lengthy and complex process of a mutual insurance Dec 8, 2023 · - Waiver of Premium A producer must report to the Commissioner of Insurance any administrative action or criminal charges taken against the producer within __ days of the final disposition of the matter. whitney. Renew your insurance license and continue producing with Kaplan Financial Education’s extensive library of Mississippi -approved CE courses. This means that you must correctly answer at least 56 out of the 80 questions on the exam. See more. www. We’ll provide you a FREE, no risk quote. B has a $100,000 Accidental Death and Dismemberment policy that pays triple indemnity for common carrier death. While testing, it’s best to focus on the questions and not get distracted. Apr 19, 2024 · ed - ANSWER a person applying for insurance beneficiary - ANSWER a person who receives the benefits of insurance policy Death Benefit - ANSWER the amount paid upon the death of the death of the insured in a life insurance policy Fraud - ANSWER intentional misrepresentation or deceit with the intent to induce a person to part with something of value Insurance policy - ANSWER a contact between Mississippi Life Insurance Exam Questions mississippi-life-insurance-exam-questions 2 Downloaded from oldshop. gov or call 601‐359‐3582 For Pearson Vue: email pearsonvuecustomerservice@pearson. beneficiary files a claim. The exam contains 50 items related to Apr 26, 2024 · For pre-licensing education, StateRequirement recommends: Week 2: Answer practice questions, take practice tests, and quiz yourself on related vocabulary; the more time you can spend on mastering the knowledge that you need to pass the life insurance exam, the better. Schedule Class. A) Coverage formB) Building and personal property coverage formC) Declarations formD) Conditions form11. Insurance Exam Free Practice Questions. Check in. . comRegister a free accou Take a loan. edu by guest CARLIE DUDLEY Understanding SSI (Supplemental Security Income) Trivium LLC **Revised and updated for the 2020 Universal life insurance is a kind of flexible policy that lets you vary your premium payments. We asked over 100 insurance professionals: “What does it take to succeed in the modern insurance industry?”. Purchase an online insurance practice test. Increases may require proof that you qualify for the new death benefit. Candidates may contact the Mississippi Insurance Department with questions about obtaining or maintaining a license after the examination has been passed. Study with Quizlet and memorize flashcards containing terms like Absolute assignment, Accelerated benefits rider, Acceptance and more. All of these are considered sources of underwriting information about an applicant EXCEPT. Paper applications may take up to 10 business days to process. In Mississippi, you must apply online via Sircon or the NIPR . Once you pass the P&C insurance exam, you can apply for your P&C insurance license. Make sure you understand the types of questions that’ll be asked and how to approach them. Mississippi. B: The grace period is unlimited and the insured can pay back a policy whenever they are ready. Passive your Mississippi Insurance Genehmigen Exam is a crucial part of becoming an insurance agent. You also must pay a $1 online application fee if you apply Exams will be 2 hours long and can have 50–125 questions. Mississippi Life Insurance License Exam Review Questions & Answers 2016/17 Edition | Book updated Dec 2020. No matter where you are taking your exam or which area you need to focus on during your The Texas Life Insurance Exam is scored on a scale of 0 to 250 points. have minimum capital requirements and are governed by a board of directors elected by their stockholders Mutual insurance companies - owned by their policy owners; have no stockholders. procedure under a health insurance plan. Study with Quizlet and memorize flashcards containing terms like Insurable Receipt, Representations, Provide the annuitant with an interest rate that is Feb 4, 2019 · Pearson VUE offers General Life, Accident and Health, Property, and Casualty practice tests for $19. Tax treatment of insurance premiums, proceeds, and dividends 1. Week 3: Take a mock life insurance exam. $300,000. State Law Supplement. 4. Nov 30, 2022 · 128 of 202. The exam covers various topics such as types of insurance policies, regulations, and ethical practices. You can also adjust the face amount of your coverage. Property and Casualty Insurance License Exam Study Guide 2020-2021 A Raisin in the Sun Pain Management and the Opioid Epidemic The Kickass Single Mom Mississippi Life Insurance License Exam Review Questions & Answers 2014 Mississippi Life Insurance Exam Questions Downloaded from dev. Jun 7, 2022 · Pearson VUE offers online life, health, property, and casualty insurance practice tests for $19. pay policy dividends to holders. A temporary license be may issued to another person if a license agent is disabled D. What is the maximum loan C can obtain from the insurer using the policy as collateral for the loan. Mississippi Property & Casualty Insurance Exam. Mississippi requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Health insurance helps you with the cost of general health care and helps you protect yourself and family against illness, injury and accidents. $349. Stranger/Investor-owned life insurance (STOLI/IOLI) Delivering the policy 1. com , call 888‐293 Kaplan Financial Education has developed this exclusive eBook for new and aspiring insurance professionals. 00. All of the following are true regarding key person life insurance: A buy/sell agreement. All other factors being equal, which of the following types of policies will accumulate cash value at the fastest rate. STEP 3. Our courses provide you with relevant topics such as annuities, long-term care certification training, tax updates, and more: Anti-Money Laundering. Mortality. Below we have explored each step in more detail. Life insurance questions and answers to help you study. 4 Property Covered. mid. Pearson Vue will be administering the state insurance exams for producers, adjusters, and bail agents. Unit 11- Commercial Property Insurance Learn with flashcards, games, and more Apr 26, 2024 · Insurance Licensing Exam Breakdown. 17 yrs of age. Offer and Acceptance c. org on 2022-01-12 by guest prominent social work leader and trainer for social work licensing exams in the United States, this guide is based on years of time-tested exam prep workshops conducted by the author. An insurance license exam is a proctored test that can be taken online or in person. The policy was issued February 1, but it was not delivered by the agent until February 7. Aug 14, 2014 · Mississippi Bail Bondsman Insurance License Exam Review Questions & Answers. 15 years of age. Insurance License Exam Cost. Get started here. Insurance contracts are aleatory in that the amount the insured will pay in premiums is unequal to the amount the insurer will pay in the event of a loss Alien Insurer CORRECT ANSWERS An insurance company that is incorporated outside the United States. Individual life 2. Quiz yourself with questions and answers for Mississippi life producer exam, so you can be ready for test day. Upon successfully completing your pre-licensing insurance course, you must register with Pearson Vue to take your state insurance exam. Study with Quizlet and memorize flashcards containing terms like Insurers, Insurance Agencies, Insurance Agents or Producers and more. Complete a Pre-Licensing Education Course. 95. In order to better absorb the information, it is recommended that you study for the exam over the course of a few weeks rather than simply cramming during the week of the exam. Key Employee Life. Mortality table determines average life expectancy. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry. The employer is the policyowner and the beneficiary. Printable Review Notes. As soon as the exam is finished, your computer will automatically score it and provide you with your score. Study with Quizlet and memorize flashcards containing terms like The Commissioner is elected to a term of ________ by the ______. In Mississippi, minora attain a legal right to contract for life & health insurance on their own lives upon reaching. By InsuranceExamAcademy (IEA) Get more up to date insurance practice questions at:https://insuranceexamacademy. Study anywhere, anytime, on any device. a Total Access CE. The Mississippi Property and Casualty Insurance Exam consists of 150 multiple-choice questions, and you’ll have 3 hours to complete it. Train for your test with our Mississippi Life exam prep course. Property Producer exam is 2 hours with 70 questions. Annuities. Study Calendar. A stated dollar-per-point amount used to determine benefit amounts paid for the cost of a. Pearson VUE delivers certification exams for Mississippi Insurance. Health insurance general knowledge. Accident & Health Producer exam is 2 hours with 70 questions. producer delivers a policy. Dental, individual, and group policies. We create these self-practice test questions module (with 210+ questions) referencing both the principles/concepts as well as some state specific information currently valid in the corresponding insurance trade. You’ll have two and a half hours to complete the exam. #medicare#lifeinsurance#lifeinsuranceagent#mylifeasainsurancebroker Mississippi Insurance Laws Property and Casualty Insurance Master Addiction Counselor Exam Secrets Study Guide Wiley CPAexcel Exam Review 2015 Study Guide (January) Ask a Manager Mississippi Valley Medical Monthly Mississippi Life Insurance License Exam Review Questions & Answers 2014 Pain Management and the Opioid Epidemic 501 Critical Reading Mississippi Insurance Laws Mississippi 1993-01-01 Mississippi Life Insurance License Exam Review Questions & Answers 2016-17 ExamREVIEW 2015-12-25 We create these self-practice test questions module (with 210+ questions) referencing both the principles/concepts as well as some state specific information currently valid in 2 Mississippi Life Insurance Exam Questions 2022-07-04 Familiarity, Eliminate Answers, Tough Questions, Brainstorm, Read Carefully, Face Value, Prefixes, Hedge Phrases, Switchback Words, New Information, Time Management, Contextual Clues, Don't Panic, Pace Yourself, Answer Selection, Check Your Work, Beware of Directly Quoted Career Launcher Package (MS - Property & Casualty) Insurance Accelerator & Online Course—Online Study Tools, Review Exams, Live & OnDemand Online Review Class. When coverage begins Explaining the policy and its provisions, riders, exclusions, and ratings to the client Contract law 1. Applicants for temporary licenses must take and pass a written exam Mar 29, 2019 · The average insurance exam-taker spends about 35 to 40 hours studying to pass the life and health insurance licensing exam . 18 yrs of age. 19. Unique aspects of the insurance Which of the following statements are CORRECT regarding a grace period in a life policy. Whether you are a new insurance agent preparing for the exam or an individual looking to gain a deeper understanding of life insurance, these questions will serve as a valuable resource. It’s a computer-based test that consists of 150 multiple-choice questions. indb 1 12/1/2016 9:24:23 AM Apr 29, 2024 · a specified amount or a specified multiple of the insured's benefit if the insured dies, loses sight, or loses two limbs due to an accident Accidental Death Benefits - ANSWER A policy rider that states that the cause of death will be analyzed to determine if it complies with the policy description of accidental death Actual Charge - ANSWER The amount a physician or supplier actually bills for 2020 Mississippi PSI Real Estate Exam Prep Questions & Answers Biology 2e Life & Health Exam Secrets Mississippi Life Insurance License Exam Review Questions & Answers 2014 The Standard 501 Critical Reading Questions Wiley CPAexcel Exam Review 2014 Study Guide Ask a Manager Property and Casualty Insurance License Exam Study Guide 2020-2021 Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators. Mississippi: 140: 240: Separate Key-employee Life insurance. Insurance practice test FAQs. Apr 5, 2023 · The insurance company determines the specific elements and their relative importance. c. edu by guest FARRELL LAM Mississippi Valley Medical Feb 4, 2019 · The Life Insurance Practice Test (National) helps familiarize you with the test-taking experience. Series 66 Investment License Full Course--Virtual Learning Experience. Mar 18, 2024 · The number of questions on your exam; The time limit; The score that you must achieve to pass the exam . Business insurance needs a. Testing centers, study material sources, and more. Explore quizzes and practice tests created by teachers and students or create one from your course material. To pass the Mississippi Health Insurance Exam, you need to obtain a minimum passing score of 70%. Simply because it is the best way to prepare for the Mississippi insurance exam, at our insurance school we strongly suggest you enroll in the full test prep course--Virtual Our National Life and Health Insurance Exam Prep Package is designed for the following Mississippi exams: Life Exam: 60 multiple choice questions; exam time allotment is 2 hours; fee is $52; Accident & Health or Sickness Exam: 60 multiple choice questions; exam time allotment is 2 hours; fee is $52 To help you prepare for the exam, we have compiled a list of Mississippi Life Insurance Exam questions that cover a wide range of topics. gov or by calling the MID Licensing Division at (601) 359-3582. The employee is the insured. The same applies on exam day – eat a good meal before the test, based on foods that will provide a slow release of energy throughout. Total Access CE. a. C has a 100000 traditional whole life policy with a $30,000 cash surrender value. Split-dollar Life. 1. Feb 28, 2024 · ay levy for violating any provision of the Insurance Code is $1000 A foreign insurer An insurer formed under the laws of any state other than Mississippi would be known as Each of the following is true about the Mississippi Residential Property Insurance Underwriting Association EXCEPT Insurance company membership in the association is voluntary At least how many days' advance notice must the Our Offer. Paper applications are available to download from the Mississippi Insurance Department website at www. All of the following are true about temporary producer licenses issued by the Commissioner except. E ective September 1, 2016. mabts. Hello guys in this video I give tips on passing the State Insurance Exam on the first try. Apr 26, 2024 · Keep your body and brain well-fueled by choosing nutritious foods that have been proven to aid concentration and memory, such as fish, nuts, seeds, yogurt, and blueberries. com. Life Producer exam is 2 hours with 70 questions. Last updated 2022-06-07. Familiarize yourself with the exam format. Sep 1, 2016 · updated study material for your state insurance exam is located in the Updates/Errata Icon on your course dashboard. Exam reservations can be made online at the Pearson Vue website or over the phone at (888) 293-4222. 60 (for both Sircon and NIPR). May 3, 2024 · In order to get your Mississippi insurance license, you’ll need to complete the following four steps: Figure Out Which Insurance License You’ll Need. Q applied for life insurance and submitted the initial premium on January 1. 70 Total Questions (60 scored, 10 pretest) Time Limit: 2 Hours Passing score: 65%. Mississippi Life Insurance License Exam Review Questions & Answers 2016-17Createspace Independent Publishing Platform Property and Casualty Insurance License Exam Study Guide Real Estate Exam Professionals, Ltd. Rating Services. MS L&H Law Supplement. Buy sell G. All of the Lifetime insurance tests are up to date with latest Mortality, interest, and expense. Flashcards are available in English or Spanish for the following exams: life & health, property 90000. Personal insurance needs 2. Get a free life insurance quote today! Apr 29, 2024 · f the debt, even though the assignment is absolute in form. Quiz yourself with questions and answers for Mississippi Life and Health State Practice Exam, so you can be ready for test day. Our guide offers everything yourself need up get started. Study with Quizlet and memorize flashcards containing terms like is elected by Mississippi voters to a 4 year term. Prelicensing Education Hour Requirements. noncontributory plan) Conversion factor. Policy riders and options in life insurance coverage. b. We offer term and whole life insurance policies through Southern Farm Bureau Life Insurance Company. Test Prep Books' Property and Casualty Insurance License Exam Study Guide: Property Casualty Insurance Book and Practice Test Mississippi Life Insurance License Exam Review Questions & Answers 2016-17 The Kickass Single Mom 501 Critical Reading Questions Claims Adjuster Exam Secrets Study Guide Life & Health Exam Secrets Understanding SSI (Supplemental Security Income) CISSP Study Guide Mississippi Valley Medical Monthly PTCB Exam Study Guide 2020-2021 Biology 2e Study with Quizlet and memorize flashcards containing terms like What kind of life insurance product covers children under their parent's policy? Family Maintenance rider Term rider Family Income rider Payor benefit, Under a trustee group life policy, who would be eligible for a certificate of coverage? Corporation Employee Employer Labor union, A producer must report to the Commissioner of 5. gov Mailing address PO Box 79 Jackson, MS 39205-0079 For overnight delivery 1001 Woolfolk State Office Building 501 North West Street MISSISSIPPI Insurance Supplement - Examination Content Outlines Effective: May 21, 2021 2 1. Q is dissatisfied and returns the policy February 13. Questions: For the Department: email licensing@mid. Register for the State Exam. Nov 10, 2017 · If you have any additional questions please email us at licensing@mid. , State insurance is referred to Applicant. The focus of this page is on health This efficient, effective study tool is line-of-authority specific and portable for quick self-quiz anywhere. Each question comes with an answer and a short explanation which aids you in seeking further study information. Select your exam topics to begin. com/johnnynitafan/acquisitionsystemfunnelFREE RESOURCES:How I Scaled My Life Insurance Busin Call your local Mississippi Farm Bureau Insurance agent today to schedule your Get Real Review, and we’ll help determine the right choice for you. The purpose of the examination is to test your knowledge of the general insurance concepts, insurance policies, provisions and contract law. The price of your insurance exam can depend on the type of exam that you take, as well as on your state. Competent parties Legal purpose 2. d. Study the material thoroughly. Pass the Relevant Mississippi Insurance License Exam (s) Submit Your Insurance License Application. C. Yodel is interested in buying the policy but is only willing to pay a fraction of its face value. The Mississippi Life Insurance Exam consists of 50 multiple choice questions and must be completed within one hour. Aug 20, 2023 · 000 A foreign insurer - An insurer formed under the laws of any state other than Mississippi would be known as Each of the following is true about the Mississippi Residential Property Insurance Underwriting Association EXCEPT - Insurance company membership in the association is voluntary At least how many days' advance notice must the Commissioner giver a person of an unfair trade practice Apr 25, 2024 · Step 3: Complete a Mississippi License Application. As mentioned, most financial advisors recommend that you purchase a life insurance policy that will cover your beneficiary for at least 10X – 20X your average annual income. Elements of a legal contract a. yv as dm nu ba yn uj xa tv fu