1|Page
Alabama Life & Health Insurance Exam , Most Recent
Exam Actual Complete Real Exam Questions And
Correct Answers||Verified Exam!!! (Verified Answers)
Already Graded A+ | Guaranteed Success | Newest
Exam!!!
Which of the following statements about a suicide clause
in a life insurance policy is TRUE? - Answers-Suicide is
excluded for a specific period of years and covered
thereafter
Which of the following entities established the Do-Not-Call
Registry? - Answers-The Federal Trade Commission
Under a health insurance policy, benefits, other than death
benefits, that have not otherwise been assigned, will be
paid to - Answers-The insured.
Which of the following documents must be provided to the
policy-owner or applicant during policy replacement? -
Answers-Notice Regarding Replacement
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Which of the following statements about the reinstatement
provision is true? - Answers-It requires the policy-owner to
pay all overdue premiums with interest before the policy is
reinstated.
Which of the following insurers are owned by
stockholders? - Answers-Stock
Which of the following are the main factors taken into
account when calculating residual disability benefits? -
Answers-Present earnings and earnings prior to disability
All of the following types of distributions are considered
exceptions to the early distribution rule and, therefore, are
not subject to the penalty tax EXCEPT - Answers-
Participant's debt.
In major medical insurance policies, when the insured's
share of coinsurance reaches a certain amount, the
insured is no longer obligated to pay it. This feature is
known as - Answers-Stop-loss
, 3|Page
Which of the following is NOT an enrollment period for
Medicare Part A applicants? - Answers-Automatic
enrollment
What would a physician utilize if he/she wanted to know if
a treatment is covered under an insured's plan and at what
rate it will be paid? - Answers-Prospective review
An applicant buys a non-qualified annuity, but dies before
the starting date. For which of the following beneficiaries
would the interest accumulated in the annuity NOT be
taxable? - Answers-Spouse
Which of the following groups would most likely be
covered under a blanket accident policy? - Answers-
Students at a public school - A blanket policy covers
members of a particular group when they are participating
in a particular activity. Such groups include students,
campers, passengers on a common carrier, or sports
teams.
The free-look provision allows for which of the following? -
Answers-A right to return the policy for a full premium
refund
Alabama Life & Health Insurance Exam , Most Recent
Exam Actual Complete Real Exam Questions And
Correct Answers||Verified Exam!!! (Verified Answers)
Already Graded A+ | Guaranteed Success | Newest
Exam!!!
Which of the following statements about a suicide clause
in a life insurance policy is TRUE? - Answers-Suicide is
excluded for a specific period of years and covered
thereafter
Which of the following entities established the Do-Not-Call
Registry? - Answers-The Federal Trade Commission
Under a health insurance policy, benefits, other than death
benefits, that have not otherwise been assigned, will be
paid to - Answers-The insured.
Which of the following documents must be provided to the
policy-owner or applicant during policy replacement? -
Answers-Notice Regarding Replacement
,2|Page
Which of the following statements about the reinstatement
provision is true? - Answers-It requires the policy-owner to
pay all overdue premiums with interest before the policy is
reinstated.
Which of the following insurers are owned by
stockholders? - Answers-Stock
Which of the following are the main factors taken into
account when calculating residual disability benefits? -
Answers-Present earnings and earnings prior to disability
All of the following types of distributions are considered
exceptions to the early distribution rule and, therefore, are
not subject to the penalty tax EXCEPT - Answers-
Participant's debt.
In major medical insurance policies, when the insured's
share of coinsurance reaches a certain amount, the
insured is no longer obligated to pay it. This feature is
known as - Answers-Stop-loss
, 3|Page
Which of the following is NOT an enrollment period for
Medicare Part A applicants? - Answers-Automatic
enrollment
What would a physician utilize if he/she wanted to know if
a treatment is covered under an insured's plan and at what
rate it will be paid? - Answers-Prospective review
An applicant buys a non-qualified annuity, but dies before
the starting date. For which of the following beneficiaries
would the interest accumulated in the annuity NOT be
taxable? - Answers-Spouse
Which of the following groups would most likely be
covered under a blanket accident policy? - Answers-
Students at a public school - A blanket policy covers
members of a particular group when they are participating
in a particular activity. Such groups include students,
campers, passengers on a common carrier, or sports
teams.
The free-look provision allows for which of the following? -
Answers-A right to return the policy for a full premium
refund
