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Kansas Life & Health Insurance Practice Exam – Questions ALL
QUESTIONS AND 100% CORRECT ANSWERS ALREADY GRADED A+ -
LATEST UPDATE 2026-2027
1. Which of the following is true about term life insurance?
A. Builds cash value
B. Provides coverage for a specific period
C. Offers lifetime coverage automatically
D. Can only be converted to group policies
Answer: B
Rationale: Term life insurance covers a set period and pays a death benefit only if the insured
dies during the term.
2. Whole life insurance differs from term life because:
A. It has a fixed premium and builds cash value
B. Coverage ends at age 65
C. It provides temporary coverage
D. Cash value is not guaranteed
Answer: A
3. Universal life insurance offers:
A. Flexible premiums and adjustable death benefit
B. Fixed premium and fixed death benefit
C. No cash value accumulation
D. Coverage for a limited term only
Answer: A
UPDATED exam 2026
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4. Which life insurance provision allows the policyowner to borrow against the cash
value?
A. Incontestability clause
B. Cash value loan provision
C. Free look period
D. Grace period
Answer: B
5. The incontestability clause states that:
A. The insurer cannot contest a policy after it has been in force for a specified period
B. Claims are always contestable
C. The insured can cancel the policy anytime
D. Premiums can never change
Answer: A
6. An insurance policy’s grace period is:
A. Time after premium due date during which coverage remains in force
B. Time before policy issue
C. Time the insurer takes to process claims
D. Period to appeal denied claims
Answer: A
7. Which of the following riders provides coverage for accidental death in addition to the
base policy?
A. Waiver of premium
B. Accidental death benefit rider (double indemnity)
C. Guaranteed insurability
D. Long-term care rider
Answer: B
UPDATED exam 2026
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8. In Kansas, the life insurance replacement rules require:
A. Notice to the existing insurer before replacing
B. Agent must complete a replacement form
C. Both A & B
D. No notification required
Answer: C
9. Who is the primary beneficiary?
A. The first person designated to receive death benefits
B. A contingent beneficiary
C. The policyowner
D. The insurance company
Answer: A
10. A contingent beneficiary receives the death benefit if:
A. The primary beneficiary dies before the insured
B. The insured is alive
C. The policy is canceled
D. The premium is late
Answer: A
11. Group life insurance is often provided:
A. By the federal government only
B. By an employer to a group of employees
C. Individually purchased
D. Only for high-risk individuals
Answer: B
UPDATED exam 2026
Kansas Life & Health Insurance Practice Exam – Questions ALL
QUESTIONS AND 100% CORRECT ANSWERS ALREADY GRADED A+ -
LATEST UPDATE 2026-2027
1. Which of the following is true about term life insurance?
A. Builds cash value
B. Provides coverage for a specific period
C. Offers lifetime coverage automatically
D. Can only be converted to group policies
Answer: B
Rationale: Term life insurance covers a set period and pays a death benefit only if the insured
dies during the term.
2. Whole life insurance differs from term life because:
A. It has a fixed premium and builds cash value
B. Coverage ends at age 65
C. It provides temporary coverage
D. Cash value is not guaranteed
Answer: A
3. Universal life insurance offers:
A. Flexible premiums and adjustable death benefit
B. Fixed premium and fixed death benefit
C. No cash value accumulation
D. Coverage for a limited term only
Answer: A
UPDATED exam 2026
,2|Page
4. Which life insurance provision allows the policyowner to borrow against the cash
value?
A. Incontestability clause
B. Cash value loan provision
C. Free look period
D. Grace period
Answer: B
5. The incontestability clause states that:
A. The insurer cannot contest a policy after it has been in force for a specified period
B. Claims are always contestable
C. The insured can cancel the policy anytime
D. Premiums can never change
Answer: A
6. An insurance policy’s grace period is:
A. Time after premium due date during which coverage remains in force
B. Time before policy issue
C. Time the insurer takes to process claims
D. Period to appeal denied claims
Answer: A
7. Which of the following riders provides coverage for accidental death in addition to the
base policy?
A. Waiver of premium
B. Accidental death benefit rider (double indemnity)
C. Guaranteed insurability
D. Long-term care rider
Answer: B
UPDATED exam 2026
, 3|Page
8. In Kansas, the life insurance replacement rules require:
A. Notice to the existing insurer before replacing
B. Agent must complete a replacement form
C. Both A & B
D. No notification required
Answer: C
9. Who is the primary beneficiary?
A. The first person designated to receive death benefits
B. A contingent beneficiary
C. The policyowner
D. The insurance company
Answer: A
10. A contingent beneficiary receives the death benefit if:
A. The primary beneficiary dies before the insured
B. The insured is alive
C. The policy is canceled
D. The premium is late
Answer: A
11. Group life insurance is often provided:
A. By the federal government only
B. By an employer to a group of employees
C. Individually purchased
D. Only for high-risk individuals
Answer: B
UPDATED exam 2026
