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Ohio Life and Health Real Exam Questions
and
Correct Answers/ Latest Update 2023/
Already Graded A+
Confidentiality of health information (as stated by Ohio
HIC laws) applies to information supplied by
Ans: Both by the covered individual and by providers
An agent has committed an insurance crime that violates
US CODE 1033 (interstate commerce). Who would be
responsible for the prosecution of this crime
Ans: US attorney general
A nonparticipating policy will
Ans: not pay dividend
What is the elimination period of an individual disability
policy
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2025/ 2026 |
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Ans: Time period a disabled person must wait before
benefits are paid
Which of these is not considered a supplemental health
insuring coronation (HIC) service
Ans: Outpatient medical services
What are an applicant's statements concerning
occupation, hobbies, and personal health history
regarded as?
Ans: representation
All of these are characteristics of a universal life
insurance policy except
Flexible death benefit
Fixed surrender value
Flexible premiums
Builds cash value
Ans: Fixed surrender value
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2025/ 2026 |
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Which of the following does coordination of benefits allow
Ans: Allows the secondary payor to reduce their benefit
payments so no more than 100% of the claim is paid
Advertisements for accident and heath policies that both
cover a stated illness must display a statement that the
Ans: Policy is limited
Which of the following is present when an applicant
stands to lose value if the insured dies
Ans: insurable interest
During the accumulation period, who can surrender an
annuity?
Ans: Policyowner
What type of policy would only provide coverage for
specific types of illnesses (cancer, stroke, etc)?
Ans: Dread disease insurance
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2025/ 2026 |
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Who provides all preventative and routine medical care
given to a health insuring corporation (HIC) member
Ans: Primary care physician
An error was made on Mary's life insurance application.
Which of the following areas are errors commonly made
on applications for which the incontestable clause does
NOT apply?
Marital status
Age
Address
Income
Ans: age
Which of the following is not a type of Medicare
advantage plan?
All rights reserved ©
2025/ 2026 |
Ohio Life and Health Real Exam Questions
and
Correct Answers/ Latest Update 2023/
Already Graded A+
Confidentiality of health information (as stated by Ohio
HIC laws) applies to information supplied by
Ans: Both by the covered individual and by providers
An agent has committed an insurance crime that violates
US CODE 1033 (interstate commerce). Who would be
responsible for the prosecution of this crime
Ans: US attorney general
A nonparticipating policy will
Ans: not pay dividend
What is the elimination period of an individual disability
policy
All rights reserved ©
2025/ 2026 |
, Page|2
Ans: Time period a disabled person must wait before
benefits are paid
Which of these is not considered a supplemental health
insuring coronation (HIC) service
Ans: Outpatient medical services
What are an applicant's statements concerning
occupation, hobbies, and personal health history
regarded as?
Ans: representation
All of these are characteristics of a universal life
insurance policy except
Flexible death benefit
Fixed surrender value
Flexible premiums
Builds cash value
Ans: Fixed surrender value
All rights reserved ©
2025/ 2026 |
, Page|3
Which of the following does coordination of benefits allow
Ans: Allows the secondary payor to reduce their benefit
payments so no more than 100% of the claim is paid
Advertisements for accident and heath policies that both
cover a stated illness must display a statement that the
Ans: Policy is limited
Which of the following is present when an applicant
stands to lose value if the insured dies
Ans: insurable interest
During the accumulation period, who can surrender an
annuity?
Ans: Policyowner
What type of policy would only provide coverage for
specific types of illnesses (cancer, stroke, etc)?
Ans: Dread disease insurance
All rights reserved ©
2025/ 2026 |
, Page|4
Who provides all preventative and routine medical care
given to a health insuring corporation (HIC) member
Ans: Primary care physician
An error was made on Mary's life insurance application.
Which of the following areas are errors commonly made
on applications for which the incontestable clause does
NOT apply?
Marital status
Age
Address
Income
Ans: age
Which of the following is not a type of Medicare
advantage plan?
All rights reserved ©
2025/ 2026 |
