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MO BAIL BOND EXAM 2025 Complete
Q&A Study Guide (Verified Questions &
Answers)
Presenting any information to the public that is false or untrue, deceptive or misleading is: - CORRECT ANSWER A - Unfair Trade Practice B - Misrepresentation and false advertising To meet requirements, those who apply for a Surety bail License must: - CORRECT ANSWER Must submit to a written examination. An Insurance license is considered inactive when the fees are paid but: - CORRECT ANSWER License is null and void Which statement is true of Build-Up Funds? - CORRECT ANSWER The fund shall not exceed forty percent of the premium. A Surety Bail Bond Agent cannot deliver and execute a bond for how many days after the license is initially issued? - CORRECT ANSWER 180 days An Insurance license is considered inactive when the fees are paid but: - CORRECT ANSWER License is null and void A non-admitted insurer is a/an - CORRECT ANSWER A - Domestic Insurer B - Alien Insurer C - Foreign Insurer The Director of the Department of Insurance has the following duties except - CORRECT ANSWER Setting insurance rates A Surety Bail Bond Agent has how many days to report to the Department of Insurance any convictions or crimes other than minor traffic offenses? - CORRECT ANSWER 30 days How much continuing education must a Surety Bail Agent complete? - CORRECT
ANSWER 7 hours every year Engaging in any fraudulent or dishonest or coercive practice in connection with the business of Insurance is a crime in the State of Ohio, if this crime crosses state lines, where will the parties be prosecuted? - CORRECT ANSWER Federal court If the Director of Insurance finds an agent guilty of Unfair Trade Practices, he may - CORRECT ANSWER A - Order the insurer, agent, or agency to pay expenses incurred by the Director for the investigation. B - Order the person or company to cease and desist C - Suspend or revoke their license What are the requirements for a person to apply for a Surety Bail license? - CORRECT ANSWER Be a person of high character and integrity. Who is responsible to show proof that the continuing education has been completed? - CORRECT ANSWER The Individual Licensee To transact surety business in the State of Ohio, the Ohio Department of Insurance must issue - CORRECT ANSWER Certificate of authority Which persons are prohibited from executing bail bonds? - CORRECT ANSWER A - Employees of detention centers. B - Court employees. Surety Bail Bond Agents shall maintain all record of Surety Bonds executed or countersigned by the agent for: - CORRECT ANSWER Three years If a Surety Bail Bond Agent countersigns a Surety Bail Bond and sent an office secretary to go to the court house or jail to post a bond, this is: - CORRECT ANSWER Not allowed Timely manner to fulfill a refund obligation is - CORRECT ANSWER 30 days Offering to divide and commission from the business of Surety Bail Bonds is called - CORRECT ANSWER Rebating
ANSWER Express, implied and apparent Where does a Build-Up fund have to be deposited? - CORRECT ANSWER In a federally insured bank or savings and loan. When a judge releases a defendant after the defendant promises to re - CORRECT ANSWER Recognizance What may a Surety Bail Bond Agent not do? - CORRECT ANSWER A - Wear a shirt or jacket with his company logo to the jail B - Act as an attorney for his bond client C - Tell a bond client which attorney to use Where does a Surety Bail Bond Agent have to register in order to execute surety bail bonds in a county? - CORRECT ANSWER C - With the Clerk of Court D - With the Clerk of Court of the Common Pleas Court Which of the following are unfair trade practices: - CORRECT ANSWER A - Charging fees based on sex religion, creed, or national origin. B - Giving a defendant a rebate if you bond him out. C - Telling potential clients that a competitor charges higher premium (rates) to bond out. How much notice does the surety bail bond agent have to give the principal and the cosigners in order to convert the collateral deposit into cash? - CORRECT ANSWER Ten days What actions is not prohibited for Surety Bail Bond Agents - CORRECT ANSWER Placing an advertisement in the telephone book Who cannot arrest a Fugitive Bond Jumper in this state when the bond was written in another state? - CORRECT ANSWER A private investigator licensed in this state Acceptable forms of collateral are: - CORRECT ANSWER A - Cash B - Real property C - Promissory note D - Indemnity agreement Which statement is true about property bonds? - CORRECT ANSWER The defendant can only post his own property with the court
Who is always the obligee on a bail bond in the State Court? - CORRECT ANSWER State of Ohio Which statements are not true? - CORRECT ANSWER You can forfeit the bond amount on a felony with no other consequences Who gets the interest earned on cash collateral? - CORRECT ANSWER The Surety Bail Bond Agent The first page of a Surety Bail Bond Contract is called: - CORRECT ANSWER The Application What is the procedure whereby the accused I brought before the court to plead to the criminal charge in the indictment or information? - CORRECT ANSWER Arraignment Who may surrender the defendant to the court? - CORRECT ANSWER A - Surety B - Obligee C - Principal Prior to Apprehending, detaining or arresting the fugitive bond jumper, who has to be notified? - CORRECT ANSWER The local law enforcement agency What type of bond is the same as personal recognizance? - CORRECT ANSWER Non-Surety Bond The defendant or person whose performance is being guaranteed is the: - CORRECT ANSWER Principal In Forfeiture Proceedings, how long does the Surety have from the date of judgment to file notice of appeal? - CORRECT ANSWER 30 days What must a Surety Bail Bond Agent do before executing a bail bond? - CORRECT ANSWER B - Charge the premium rate filed C - Disclose the expense fee that will be charged The co-signer that guarantees the surety against financial loss is called - CORRECT ANSWER Indemnitor What type of bond occurs when the defendant remains free on bond pending review of the judicial action of the inferior court? - CORRECT ANSWER Appeal Bond
Which of the criminal defendant bonds from the previous question may be used in civil cases? - CORRECT ANSWER Civil Contempt Bonds and Ne Exeat Bonds Distinguish between actual authority and apparent authority. - CORRECT ANSWER ACTUALY ATHOURITY is the authority granted by a contract APPRENT ATHOURITY that authority the public reasonably believes the agent has. Define "Revoke" - CORRECT ANSWER Cancel permanently What information must appear on a bondsman sign? - CORRECT ANSWER Business name and name of each licensed bondsmen employed there. If in a building with a directory, business name should appear What may be required of the bondsmen before a suspended license is reinstated? - CORRECT ANSWER Take basic certification and/or correspondence co List the five elements of fraud. - CORRECT ANSWER False statement must be made. The party who makes the statement must know that is untrue. The party making the statement must intend the other party to believe the falsehood. The other party must accept the false statement as true. The other party must be damaged as a result. At what point does an indemnity contract become cancelable? - CORRECT ANSWER Within 10 days after bond is satisfied or forfeiture d Define "felony" - CORRECT ANSWER A crime punishable by death or a term of years in prison Define "Fraud" - CORRECT ANSWER Intentional deception Define "Adjudicate" - CORRECT ANSWER To decide a matter on evidence When is the amount of bail considered just right? - CORRECT ANSWER When the defendant can afford it but now afford to lose it Name the criminal defendant's bonds. - CORRECT ANSWER Bail Bonds Appeal Bonds Supersedeas Bonds Habeas Corpus Bonds Extradition Bonds Ne Exeat Bonds
According to F.S. 648.442 and Rule 4-221.135 what types of collateral may be accepted on bonds over $50,000? - CORRECT ANSWER A. Promissory note B. Real property mortgage C. Indemnity agreement D. Any other security approved by the council E. All the above Define "Agency" - CORRECT ANSWER Relationship in which one person acts on behalf of another
- Define "Premium" - CORRECT ANSWER Fee received as payment for bond In what places may a bondsman NOT solicit business? - CORRECT ANSWER In or around any place where prisoners are confined or on the grounds For what three reasons may a foreiture be dischaged within 60 days? - CORRECT ANSWER 1.Defendant unable to appear for a valid reason 2.Defendant insane 3.Defendant re arrested Define "Nolle Prosequi " - CORRECT ANSWER Unwilling to prosecute Define 'Vacate" - CORRECT ANSWER Set aside; render void Define "obligee" - CORRECT ANSWER Person whom an obligation is owed Define "General Agent" - CORRECT ANSWER Person appointed by a surety company to supervise agents Define "Breach" - CORRECT ANSWER Fail to perform as agreed Define"Misappropriation" - CORRECT ANSWER Taking another's property for one's own use Define "Indictment" - CORRECT ANSWER True bill of a grand jury Define "Willful" - CORRECT ANSWER Intentional, not accidental What information must be shown on a premium receipt? - CORRECT ANSWER The date Name of principal
which of the following if any is correct regarding punitive damages? - CORRECT ANSWER punitive damages are designed to punish the wrongdoer and set an example for others which of the following is correct regarding international torts? - CORRECT ANSWER
- a tort is civil wrong committed against an individual
- one who commits a tort may be required to pay the medical bills of the victim
- one who commits a tort may be required to pay damages to the victim - all of the above* which if any of the following are correct regarding torts & crime? - CORRECT ANSWER tort is a civil wrong committed against an individual, a crime is an intentional wrong against society which is correct regarding false arrest action? - CORRECT ANSWER false arrest results when someone restrains another with no legal authority to do so which best define the parties in a civil suit? - CORRECT ANSWER the defendant is being sued. the plaintiff is the party bringing the legal action against the other within how many days must defendant in florida file an answer to a lawsuit? - CORRECT ANSWER 20 calendar days or a default judgement may be entered against him which describes the purpose of a motion in an application to the court? - CORRECT ANSWER to obtain a ruling or order directing some act be done in favor of the applicant what is the purpose of discovery? - CORRECT ANSWER - provides each party in a lawsuit with the opportunity to acquire information about the other's case
- discovery allows most cases to be settled prior to going to court
- the discovery process includes interrogatories and statements made under oath - all of the above* which are the correct regarding depositions? - CORRECT ANSWER - depositions are taken, in writing, before a court reporter
- the court has the power to order the compliance of one who refuses to comply with a deposition
which if any is most correct about summary judgements? - CORRECT ANSWER if it can be proved that no genuine issue of material fact exists, and the judgement is entitled as a matter of law, the case can be won without going to court which if any is correct regarding privileged information? - CORRECT ANSWER none of the above which best describes the term "actus reus" - CORRECT ANSWER the guilty act which best describes the term "mens rea"? - CORRECT ANSWER - a criminal intent - guilty mind
- the intention to commit a crime
- the intention to commit a crime
- all of the above* who regulates insurance companies and insurance agents? - CORRECT ANSWER the department of financial services regulation of bail comes under which of the following? - CORRECT ANSWER - 648 of the florida statues
- chapter 690-221 of the administrative rules of the insurance commissioner
- chapter 903 florida statues
- all of the above* which of the following if any is a characteristic of insurance? - CORRECT ANSWER
- it may be canceled or non-renewed until the obligation is met
- its a two party contract which of the following is a characteristic of surety? - CORRECT ANSWER - it is a three party contract (obligor, obligee, surety)
- it may not be canceled or non-renewed until the obligation is met which of the following refer to the party to whom an obligation is owed? - CORRECT ANSWER the obligee which of the following refer to the party who owes an obligation? - CORRECT ANSWER - the obligor
- the principal (the defendant) which party to a surety bond makes the guarantee? - CORRECT ANSWER surety
which is most correct about when an appeal bond is satisfied? - CORRECT ANSWER charges are dismissed or defendant has surrendered to sheriff what does "forfeit" mean? - CORRECT ANSWER to lose or give up something of value for a specific for a specific reason which are guarantees peculiar to appeal bonds? - CORRECT ANSWER - appellant will abide by the decision of the appeals court & will surrender if and when so ordered - the appellant will vigorously pursue her or his appeal which of the following best describes the term "supersedeas" - CORRECT ANSWER
- sometimes referred to as a "stay"
- it orders a delay in or a stop to the proceedings of a lower court
- it is a suspension of the trial court to issue an execution or judgement which of the following is/are guaranteed by a supersedeas bond? - CORRECT ANSWER - the defendant will surrender himself at the end of the the stay
- the defendant will pay any additional costs incurred as a result of the delay when is habeas corpus bond used? - CORRECT ANSWER when the defendant alleges that she/he is being detained without proper cause which of the following is/are guaranteed by a habeas corpus bond? i. defendant will surrender if it is determined that the original imprisonment was lawful ii. defendant will pay any additional costs incurred by the state if the original charge was lawful iii. defendant will pay any additional costs incurred by the state if the original charge was unlawful - CORRECT ANSWER i and ii what does extradition mean? - CORRECT ANSWER from the latin translation : "the deliver out" what situations satisfy an extradition bond and release the surety?
- surrender of the defendant
- determination that the defendant is not the person named in the warrant
- if the arresting state decides not to honor the request for extradition - CORRECT ANSWER all of the above
which of the following is/are correct regarding criminal contempt? i. it is contempt against the court ii. it happens while the court is in session iii. it is not a bailable offense iv. examples include failure to obey the orders of the court (child support, restraining order) - CORRECT ANSWER i, ii, iii which of the following is/are guarantees provided in a civil contempt bond? - CORRECT ANSWER the defendant will not depart the jurisdiction of the court without leave (permission) what ways can a bail bond agent's license be issued? i. fugitive recovery agent ii. professional bail bond agent iii. limited surety agent - CORRECT ANSWER ii and iii which if any is correct regarding limited surety agents? - CORRECT ANSWER they are backed up by an insurance company which is/are most correct regarding professional bond agents? - CORRECT ANSWER
- they are not backed up by an insurance company
- they justify their suretyship with cash, cashiers, check or US postal money order
- they are independent business persons who take all the risks and recap all the profits which is not a requirement to become a limited surety agent? - CORRECT ANSWER applicant must be age 21 or older which is/are required to be eligible for bail bond licenser? - CORRECT ANSWER successfully complete 120 hour qualification course in criminal justice - successfully complete department approved correspondence course
- pass the state exam for limited surety or professional bail bond agent who is/are prohibited from holding an appt as a bail bond agent or from profiting directly or indirectly from the bail bond business - CORRECT ANSWER jailers or employees of any jail what is lying while under oath in a judicial proceeding called? - CORRECT ANSWER perjury which term best defines the giving up of a known right? - CORRECT ANSWER waiver
which of the following is/are correct? - CORRECT ANSWER a limited surety agent pledges the assets of the surety company to guarantee a bond once licensed, what is the maximum time allowed before becoming appointed, to avoid penalties? - CORRECT ANSWER 2 years if an agent does not secure an appointment within the required time period, what consequences may result? i. he may have to take the state exam again ii. he must take the state exam again iii. he may have to attend & successfully complete the educational requirements again iv. he must attend and successfully complete the educational requirements again - CORRECT ANSWER ii and iii with no other considerations, which is most correct regarding a temporary limited surety agent and collateral? - CORRECT ANSWER he may not handle collateral and is not allowed to deliver collateral receipts which is most correct about bail bonds and contracts? - CORRECT ANSWER a bail bond is a written contract which is best defines a contract? - CORRECT ANSWER an agreement with specific terms between two or more persons or entities in which there is a promise to do something in return for a valuable benefit known as consideration which best defines a unilateral contract? - CORRECT ANSWER one in which there is a promise to pay or give other consideration in return for actual performance which best defines a bilateral contract? - CORRECT ANSWER one in which the courts will determine there is a contract based on the circumstances which is most correct regarding contracts for illegal purposes? - CORRECT ANSWER contracts for illegal purposes are not enforceable at law which defines the principle of insurance called the "contract of adhesion?" - CORRECT ANSWER ambiguities are resolved in favor of the insured which is most correct about the enforcement of contracts? - CORRECT ANSWER if both (all) parties can enforce it, it is valid
which contract cannot be enforced in court by either party? - CORRECT ANSWER a void contract if a person signs one contract but believes they are signing a different contract, which statement is correct? - CORRECT ANSWER contract is voidable. fraud in the execution which of the following is not an element of fraud? - CORRECT ANSWER a person makes a statement they believe is true but it is actually false. if one party makes false statements in an effort to get someone else to enter into the contract, which statement is most correct? - CORRECT ANSWER contract is voidable. fraud in inducement what term applies if one party withholds information which, if known, would have prevented the other party from entering into the contract? - CORRECT ANSWER concealment which term best defines lying while under oath in a judicial proceeding? - CORRECT ANSWER perjury which term best defines the giving up a known right? - CORRECT ANSWER waiver john agrees to vandalize bill's house for tom who bill fired. tom agrees to beat up phil who had an affair with john's wife. a contract is signed & notarized. john vandalizes bill's house. tom refuses to beat up phil? - CORRECT ANSWER - john has been "damaged" & may enforce the contract in a court of law
- john may sue tom for money and/or for specific performance
- a meeting of the minds occurred, contract is an enforceable agreement None of the above a 15 year old has obtained false id and enters into a contract to sing at a countrywestern bar. the bar owner pays her $100 in advance, beverage laws mandate that all performers be at least 18 years old. the singer refuses to sing and has spent the $100. which is statement is most correct? - CORRECT ANSWER 15 year old is not a "competent person." contract cannot be enforced how would your answer differ if the 15 year old singer was mentally retarded? - CORRECT ANSWER there would be no difference based upon this additional info
which is most correct about the build up fund? - CORRECT ANSWER - every bail bond agent is required to have a build up fund before she or he may begin to write bonds
- the build up fund protects the bail bond agent from losses caused by the surety or the general agent which is most correct about the build up fund? - CORRECT ANSWER it protects the surety from losses incurred by the bail bond agent. Maximum of 40% of premium may be held back. A lower amount can be withheld at the discretion of the general agent. which is most correct regarding the actions of a limited surety agent? - CORRECT ANSWER - if bond penalty exceeds agent's authority, then the bond is void
- if bond penalty exceeds agent's authority, then the bond is voidable - if bond penalty exceeds agent's authority, then the bond is void and agent is responsible *none of the above what is the maximum number of companies who may appoint a limited surety? - CORRECT ANSWER there is no maximum limitation imposed by statue which is most correct about the function of a temporary limited surety agent? - CORRECT ANSWER he is allowed to assist in apprehending & arresting defendants for his employer which is most correct about whom a bail bond agent may employ at her or his agency to do surveillance, arrest or assist in presenting defendants in court? - CORRECT ANSWER a licensed temporary limited surety agent working as an intern, at that agency only what time period is necessary to maintain records on bonds executed? - CORRECT ANSWER for 3 years from date of discharge of bond what does "execute" mean when bond agents say they "executed a bond?" - CORRECT ANSWER to put a bond into force frank einstein is a bail bondsman contracted with several large surety companies. frank calls his business the "multi line bail bond company of florida" and franks's business card lists him as company president. which is most correct? - CORRECT ANSWER florida statues would forbid doing this which are required when a bond agent changes his or her business address? i. has 10 business days (weekends & holidays exempt) to notify ii. has 10
calendar days (weekends & holidays included) to notify iii. must notify the department of financial services & must notify his insurers) iv. must notify the sheriff & clerk of all courts where registered - CORRECT ANSWER i, iii, and iv which of the following is/are an example of "real property"? - CORRECT ANSWER a single family house a bail bond agent uses his guest bedroom as an office but sees clients in the kitchen which is next to the entrance to house. his address, as filed with the department is the office in his residence. which statement is most correct? - CORRECT ANSWER this is not allowable to have a bail bond agency in a residence which of the following functions are permitted during the internship? i. arresting a defendant of the agency where you work who skipped bail ii. signing bail bonds iii. your supervising agent owns two bail bond agencies. you work at one location during the week, and the other location on the weekend (both in same county) - CORRECT ANSWER i and iii which is most correct about contract collateral? - CORRECT ANSWER - it may consist of the bail bond agent placing money in trust with the surety and/or general agent
- it may include the agent's giving to the general agent and/or surety, a mortgage on his house or properties
- it may include property given by the agent, to the general agent and/or insurer as in both "A" & "B" above which is most correct regarding where build up funds are held? - CORRECT ANSWER must be held at any bank or credit union in florida which is correct about licenses and appointments? - CORRECT ANSWER the surety is authorized to make agent appointments if the premium was $1,000 and the agent had an 80% commission contract, with a 10% build up fund deposit required, which of the following is correct? - CORRECT ANSWER $200 to the surety, $100 to the BUF account, $700 retained by agent when may the accumulated funds be taken from the BUF account by the agent? - CORRECT ANSWER after termination of the agent's contract and no later than six months after final discharge of all liabilities Bail may be defined in some cases, which is/are cause(s) for denying bail? - CORRECT ANSWER defendants who have previously jumped bail
