Kansas Life & Health Insurance Final Exam Practice – All Questions & 100% Correct Answers (2026–2027)

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Kansas Insurance Practice Exam ALL QUESTIONS AND 100%
CORRECT ANSWERS ALREADY GRADED A+ - LATEST UPDATE 2026-2027


The consideration clause in an accident and health policy states the - CORRECT ANSWER
applicant pays the initial premium



QUESTION : Which of the following reports may include information obtained by a telephone call to
the proposed insured? - CORRECT ANSWER Inspection report



QUESTION : Health insurance policies are offered on a "take it or leave it" basis and referred to as -
CORRECT ANSWER Contracts of Adhesion



QUESTION : The insurance policy clause that identifies the contracting parties and defines the scope
and limits of coverage is called - CORRECT ANSWER Insuring clause



QUESTION : Which of the following statements is CORRECT about a Waiver of Premium provision in a
Disability Income Policy? - CORRECT ANSWER It allows the insured to maintain a policy in
force while disabled and unable to pay premiums.



QUESTION : The coordination of benefits clause found in group health master contracts is used to -
CORRECT ANSWER avoid double payment of benefits to an insured who has duplicate group
coverages



QUESTION : Which of the following provisions designates to whom claim payments are made? -
CORRECT ANSWER Payment of Claims



QUESTION : Medicare supplement policies are primarily designed to - CORRECT ANSWER
provide additional benefits beyond those provided by Medicare



QUESTION : A married insured has an AD&D policy that names his brother as the primary beneficiary
and his son as the contingent beneficiary. If the insured and his brother are both killed instantly in a


UPDATED exam 2026

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train accident, the policy proceeds would be paid to which of the following? - CORRECT
ANSWER The insured's son



QUESTION : Group health insurance specifies that what percentage of eligible individuals MUST be
offered coverage under a noncontributory plan? - CORRECT ANSWER 100



QUESTION : Under a Guaranteed Renewable Accident and Health policy, an insurer retains the right to
- CORRECT ANSWER increase the premium rate for an entire class of insureds



QUESTION : A group long-term disability plan is integrated with SS when which of the following
statements is CORRECT? - CORRECT ANSWER Social Security and group benefits pay a
combined maximum limit.



QUESTION : On June 1, S purchased a major medical policy and paid the initial premium to producer T.
Only July 1, Producer T received the policy from the insurance company. The policy contained a Ten-
Day Free Look provision. On July 3, Producer T attempted to deliver the policy but found that S was
not at home. On July 5, T was able to deliver the policy to S. On July 7, S decided he did not want the
policy. S had 10 days from which day? - CORRECT ANSWER July 5



QUESTION : The purpose of the MIB is to - CORRECT ANSWER share medical data among
member companies



QUESTION : What law requires an insurer to notify an applicant in writing that an investigative
consumer report may be made on the applicant? - CORRECT ANSWER Fair Credit Reporting
Act



QUESTION : What definition MOST accurately describes the Probationary Period? - CORRECT
ANSWER The waiting period a new hire must satisfy prior to becoming eligible for group health
coverage



QUESTION : An insurer must provide claim forms to an insured within a MAXIMUM of how many days
after receiving notice of an Accident & Health Claim? - CORRECT ANSWER Fifteen




UPDATED exam 2026