1|Page
Alabama Life and Health Insurance EXAM PRACTICE |
ACTUAL COMPREHENSIVE FREQUENTLY MOST
TESTED REAL VERIFIED EXAM QUESTIONS AND
VERIFIED SOLUTIONS | ALREADY GRADED A+||2026
NEWEST EXAM!!!
Which of the following is a true statement? - Answers-
TRUE - The withholding of information that should have
been provided to an insurer is called concealment.
The number of an insurance company's health insureds
that is expected to become sick or injured is called: -
Answers-Morbidity experience
Bart is injured and provides notice of a health claim to his
insurer He later receives the required claims forms. Within
how many days of the loss must Bart file proof of loss with
the insurance company? - Answers-90
Julio, the insurance producer, has allowed his license to
lapse. He would like to reinstate his license without taking
the course and passing the exam. To do this they must
reinstate the license within how many months from the
renewal date? - Answers-12
,2|Page
A life insurance policyowner has just exercised the policy's
reduced paid-up option. Which of these statements is
true? - Answers-The amount of coverage would be less
than the original coverage
An individual unable to perform two or more Activities of
Daily Living (ADLs) will trigger coverage from a _____
policy. - Answers-Long Term Care (LTC)
The notice of claim provision states that the insured notify
the insurance company within ____ days of a claim. -
Answers-20
Which is NOT true regarding Medicare Supplement
policies? - Answers-Must include a minimum 20-day Free-
Look provision
Which of these is NOT a reason the insurance application
is important? - Answers-When attached to the policy, the
application becomes part of the insurance clause
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Michael has a universal life policy with an increasing death
benefit option. With an initial face amount of $50,000, what
would the actual death benefit be? - Answers-$55,000
What is the applicant's consideration in an insurance
contract? - Answers-Premiums
At certain ages or dates, an insured can increase the
stated benefit (within limits) under their disability income
policy, regardless of health. Which policy rider BEST
describes this? - Answers-Futre Income Option
Which of these statements regarding an insurance
application is true? - Answers-A representation is valid as
long as it is true
Who does a disability income policy normally cover? -
Answers-Wage earners
A business owner has disability coverage that covers
business expenses (other than income, the cost of capital
goods, and other specified expenses). What kind of
disability coverage is this? - Answers-Business overhead
expense insurance
, 4|Page
Trent has a permanent partial disability where he is paid
50% of his previous income. Trent is covered by a: -
Answers-Residual disability benefit
How are employer-paid premiums for employee group
health insurance normally treated for tax purposes? -
Answers-Tax deductible to the employee / Nontaxable to
the employee
An insurance producer who offers a potential client
something of value as an incentive to purchase insurance
is engaging in: - Answers-Rebating
Katherine is a retiree and was recently hospitalized for 10
days. Which type of insurance policy would best cover her
for excess hospital expenses? - Answers-Medicare
Supplement
Which welfare program provides assistance to the needy?
- Answers-Medicaid
Medicare is NOT available to a(n): - Answers-61-year old
Medicaid recipient
Alabama Life and Health Insurance EXAM PRACTICE |
ACTUAL COMPREHENSIVE FREQUENTLY MOST
TESTED REAL VERIFIED EXAM QUESTIONS AND
VERIFIED SOLUTIONS | ALREADY GRADED A+||2026
NEWEST EXAM!!!
Which of the following is a true statement? - Answers-
TRUE - The withholding of information that should have
been provided to an insurer is called concealment.
The number of an insurance company's health insureds
that is expected to become sick or injured is called: -
Answers-Morbidity experience
Bart is injured and provides notice of a health claim to his
insurer He later receives the required claims forms. Within
how many days of the loss must Bart file proof of loss with
the insurance company? - Answers-90
Julio, the insurance producer, has allowed his license to
lapse. He would like to reinstate his license without taking
the course and passing the exam. To do this they must
reinstate the license within how many months from the
renewal date? - Answers-12
,2|Page
A life insurance policyowner has just exercised the policy's
reduced paid-up option. Which of these statements is
true? - Answers-The amount of coverage would be less
than the original coverage
An individual unable to perform two or more Activities of
Daily Living (ADLs) will trigger coverage from a _____
policy. - Answers-Long Term Care (LTC)
The notice of claim provision states that the insured notify
the insurance company within ____ days of a claim. -
Answers-20
Which is NOT true regarding Medicare Supplement
policies? - Answers-Must include a minimum 20-day Free-
Look provision
Which of these is NOT a reason the insurance application
is important? - Answers-When attached to the policy, the
application becomes part of the insurance clause
,3|Page
Michael has a universal life policy with an increasing death
benefit option. With an initial face amount of $50,000, what
would the actual death benefit be? - Answers-$55,000
What is the applicant's consideration in an insurance
contract? - Answers-Premiums
At certain ages or dates, an insured can increase the
stated benefit (within limits) under their disability income
policy, regardless of health. Which policy rider BEST
describes this? - Answers-Futre Income Option
Which of these statements regarding an insurance
application is true? - Answers-A representation is valid as
long as it is true
Who does a disability income policy normally cover? -
Answers-Wage earners
A business owner has disability coverage that covers
business expenses (other than income, the cost of capital
goods, and other specified expenses). What kind of
disability coverage is this? - Answers-Business overhead
expense insurance
, 4|Page
Trent has a permanent partial disability where he is paid
50% of his previous income. Trent is covered by a: -
Answers-Residual disability benefit
How are employer-paid premiums for employee group
health insurance normally treated for tax purposes? -
Answers-Tax deductible to the employee / Nontaxable to
the employee
An insurance producer who offers a potential client
something of value as an incentive to purchase insurance
is engaging in: - Answers-Rebating
Katherine is a retiree and was recently hospitalized for 10
days. Which type of insurance policy would best cover her
for excess hospital expenses? - Answers-Medicare
Supplement
Which welfare program provides assistance to the needy?
- Answers-Medicaid
Medicare is NOT available to a(n): - Answers-61-year old
Medicaid recipient
