1|Page
Alabama Life and 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!!!
An individual unable to perform two or more Activities of
Daily Living (ADLs) will trigger coverage from a _____
policy. - Answers-Long Term Care (LTC)
Barbara has the right to change the beneficiary
designation on her life insurance policy. Barbara's
beneficiary is a(n): - Answers-revocable beneficiary
Typically, a disability income rider will pay: - Answers-a
monthly income for as long as the insured remains totally
and completely disabled
What is a disability income policy designed to do? -
Answers-Pay benefits to maintain the insured's current
standard of living
,2|Page
Amy owns a disability income policy with a noncancellable
renewal provision. Which of the following is guaranteed in
her policy? - Answers-The coverage and premium rate are
guaranteed
Anita is an office clerk at the time she purchases a
Disability Income policy. She later changes her career to a
king crab fisherman. If she ever becomes injured on the
boat, the Change of Occupation provision states that the
insurer can: - Answers-adjust the benefits
Which provision allows a disability income policy to remain
in force without further payments when the insured has
become totally and permanently disabled? - Answers-
Waiver of premium
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
If insurance premiums are paid more frequently than
annually, the policyowner can expect to: - Answers-have a
higher total outlay of dollars for the coverage for that year
, 3|Page
Periodic benefit payments must be made no less
frequently than: - Answers-monthly
Required Provision 3 states that the minimum grace
period for all policies (except those with monthly or weekly
premium modes) is: - Answers-31 days
A ___ ___ company is one that is domiciled in another
state and has NOT received a license to do business in
Alabama. - Answers-foreign nonadmitted
A licensed Alabama insurance producer would NOT be
disciplined by the Commissioner of Insurance for: -
Answers-being convicted of a misdemeanor
Long Term Care policies normally provide benefits for: -
Answers-home health care
The proceeds of a life insurance policy can be paid in a
form other than a lump-sum payment. These forms of
payment are called: - Answers-settlement options
Alabama Life and 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!!!
An individual unable to perform two or more Activities of
Daily Living (ADLs) will trigger coverage from a _____
policy. - Answers-Long Term Care (LTC)
Barbara has the right to change the beneficiary
designation on her life insurance policy. Barbara's
beneficiary is a(n): - Answers-revocable beneficiary
Typically, a disability income rider will pay: - Answers-a
monthly income for as long as the insured remains totally
and completely disabled
What is a disability income policy designed to do? -
Answers-Pay benefits to maintain the insured's current
standard of living
,2|Page
Amy owns a disability income policy with a noncancellable
renewal provision. Which of the following is guaranteed in
her policy? - Answers-The coverage and premium rate are
guaranteed
Anita is an office clerk at the time she purchases a
Disability Income policy. She later changes her career to a
king crab fisherman. If she ever becomes injured on the
boat, the Change of Occupation provision states that the
insurer can: - Answers-adjust the benefits
Which provision allows a disability income policy to remain
in force without further payments when the insured has
become totally and permanently disabled? - Answers-
Waiver of premium
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
If insurance premiums are paid more frequently than
annually, the policyowner can expect to: - Answers-have a
higher total outlay of dollars for the coverage for that year
, 3|Page
Periodic benefit payments must be made no less
frequently than: - Answers-monthly
Required Provision 3 states that the minimum grace
period for all policies (except those with monthly or weekly
premium modes) is: - Answers-31 days
A ___ ___ company is one that is domiciled in another
state and has NOT received a license to do business in
Alabama. - Answers-foreign nonadmitted
A licensed Alabama insurance producer would NOT be
disciplined by the Commissioner of Insurance for: -
Answers-being convicted of a misdemeanor
Long Term Care policies normally provide benefits for: -
Answers-home health care
The proceeds of a life insurance policy can be paid in a
form other than a lump-sum payment. These forms of
payment are called: - Answers-settlement options
