OHIO LIFE AND HEALTH PRACTICE TEST 2026
COMPLETE QUESTIONS AND ANSWERS
ALREADY PASSED
◉ Medicare Part A covers Answer: inpatient hospital stay
◉ The election of COBRA for continuation of health coverage will
Answer: maintain the same coverage and increase premium
◉ All of these are responsibilities of the superintendent EXCEPT
Answer: endorsing insurers
◉ Which disability policy provision would address any concerns of
the value of the benefits decreasing over time? Answer: cost of living
benefit
◉ What does the Consolidated Omnibus Budget Reconciliation Act
(COBRA) of 1985 allow an employee to do? Answer: in the event of
employment termination, group health insurance can be kept if the
employee pays the premiums
◉ Ambiguities in an insurance policy are always resolved in favor of
the Answer: insured
,◉ Which of the following does Medicare Part D cover? Answer:
prescription drugs
◉ How do interest earnings accumulate in a deferred annuity?
Answer: on a tax-deferred basis
◉ A securities license is required for a life insurance producer to sell
Answer: variable life insurance
◉ What happens when an insurance policy is backdated? Answer:
the policy's effective date is earlier than the present
◉ Ron has a new employer and wishes to enroll in the company's
group health plan. In determining whether his pre-existing health
condition applies, Ron cannot have more than a ___ day gap without
previous health insurance. Answer: 63
◉ Jonas has disability insurance through his employer. The
employer pays 75% of the premium, and Jonas pays the other 25%.
What is Jonas's tax liability for any benefits paid from the disability
plan? Answer: taxes must be paid on 75% of the benefits received
, ◉ A health insurance policy where the insurer has the right to
terminate the policy for reasons other than the insured's health is
called Answer: conditionally renewable
◉ Pete the agent recently had his license suspended because he was
found to be in violation of a state insurance law. Due to this
suspension, Pete Answer: may be assessed the administrative costs
sustained by the Department
◉ When can a group health policy renewal be denied according to
the Health Insurance Portability and Accountability Act (HIPAA)?
Answer: when contribution or participation rules have been violated
◉ Ted has a health insurance plan that requires him to pay a specific
sum out of pocket before any benefits are paid in a calendar year.
Which of these does his health plan have? Answer: calendar-year
deductible
◉ An insurance company has just received a request for verification
from a viatical settlement provider. The Insurer is required to
respond within __ calendar days to this request. Answer: 30
◉ The open enrollment period for Medicare Supplements begins at
age Answer: 65
COMPLETE QUESTIONS AND ANSWERS
ALREADY PASSED
◉ Medicare Part A covers Answer: inpatient hospital stay
◉ The election of COBRA for continuation of health coverage will
Answer: maintain the same coverage and increase premium
◉ All of these are responsibilities of the superintendent EXCEPT
Answer: endorsing insurers
◉ Which disability policy provision would address any concerns of
the value of the benefits decreasing over time? Answer: cost of living
benefit
◉ What does the Consolidated Omnibus Budget Reconciliation Act
(COBRA) of 1985 allow an employee to do? Answer: in the event of
employment termination, group health insurance can be kept if the
employee pays the premiums
◉ Ambiguities in an insurance policy are always resolved in favor of
the Answer: insured
,◉ Which of the following does Medicare Part D cover? Answer:
prescription drugs
◉ How do interest earnings accumulate in a deferred annuity?
Answer: on a tax-deferred basis
◉ A securities license is required for a life insurance producer to sell
Answer: variable life insurance
◉ What happens when an insurance policy is backdated? Answer:
the policy's effective date is earlier than the present
◉ Ron has a new employer and wishes to enroll in the company's
group health plan. In determining whether his pre-existing health
condition applies, Ron cannot have more than a ___ day gap without
previous health insurance. Answer: 63
◉ Jonas has disability insurance through his employer. The
employer pays 75% of the premium, and Jonas pays the other 25%.
What is Jonas's tax liability for any benefits paid from the disability
plan? Answer: taxes must be paid on 75% of the benefits received
, ◉ A health insurance policy where the insurer has the right to
terminate the policy for reasons other than the insured's health is
called Answer: conditionally renewable
◉ Pete the agent recently had his license suspended because he was
found to be in violation of a state insurance law. Due to this
suspension, Pete Answer: may be assessed the administrative costs
sustained by the Department
◉ When can a group health policy renewal be denied according to
the Health Insurance Portability and Accountability Act (HIPAA)?
Answer: when contribution or participation rules have been violated
◉ Ted has a health insurance plan that requires him to pay a specific
sum out of pocket before any benefits are paid in a calendar year.
Which of these does his health plan have? Answer: calendar-year
deductible
◉ An insurance company has just received a request for verification
from a viatical settlement provider. The Insurer is required to
respond within __ calendar days to this request. Answer: 30
◉ The open enrollment period for Medicare Supplements begins at
age Answer: 65
