South Carolina Life & Health Insurance Exam – Questions & Answers 1 2026-02-28
South Carolina Life &
Health Insurance Exam –
Questions & Answers
Page 1
Guidehttps://www.stuvia.com/dashboard!@_)#*)(@$)($@*($@)($@*_ South Carolina Life & Health Insurance Exam – Questions & Answers.pdf
,SC life and health insurance exam 2 2026-02-28
What is the elimination period of an individual disability policy?
a.) time period an insured must wait before coverage begins
b.) time period after the policy issue date in which the provisions are still contestable
c.) time period a disabled person must wait before benefits are paid
d.) the point in time when benefits are no longer payable
c.) time period a disabled person must wait before benefits are paid
A producer is required to maintain insurance transaction records for ____ years
a.) 3
b.) 5
c.) 7
d.) 9
b.) 5
Page 2 SC life and health insurance exam.pdf
,SC life and health insurance exam 3 2026-02-28
Which of the following is NOT a federal requirement of a qualified plan?
a.) must benefit a broad cross-section of employees
b.) employer establishes the plan
c.) vesting schedule must be defined
d.) employee must be able to make unlimited contributions
d.) employee must be able to make unlimited contributions
How many months can a life insurance policy normally be backdated from the date of application?
a.) 3
b.) 6
c.) 9
d.) 12
b.) 6
Page 3 SC life and health insurance exam.pdf
, SC life and health insurance exam 4 2026-02-28
An example of elective cosmetic surgery would be
a.) reconstructive breast surgery after a mastectomy
b.) removing excess fat from an insured's waistline
c.) surgery to correct a birth defect
d.) reconstructive surgery after suffering injuries from an automobile accident
b.) removing excess fat from an insured's waistline
What is Medicare Part B also known as?
a.) supplementary medical insurance
b.) medicare supplement
c.) comprehensive insurance
d.) medicaid
a.) supplementary medical insurance
Page 4 SC life and health insurance exam.pdf
South Carolina Life &
Health Insurance Exam –
Questions & Answers
Page 1
Guidehttps://www.stuvia.com/dashboard!@_)#*)(@$)($@*($@)($@*_ South Carolina Life & Health Insurance Exam – Questions & Answers.pdf
,SC life and health insurance exam 2 2026-02-28
What is the elimination period of an individual disability policy?
a.) time period an insured must wait before coverage begins
b.) time period after the policy issue date in which the provisions are still contestable
c.) time period a disabled person must wait before benefits are paid
d.) the point in time when benefits are no longer payable
c.) time period a disabled person must wait before benefits are paid
A producer is required to maintain insurance transaction records for ____ years
a.) 3
b.) 5
c.) 7
d.) 9
b.) 5
Page 2 SC life and health insurance exam.pdf
,SC life and health insurance exam 3 2026-02-28
Which of the following is NOT a federal requirement of a qualified plan?
a.) must benefit a broad cross-section of employees
b.) employer establishes the plan
c.) vesting schedule must be defined
d.) employee must be able to make unlimited contributions
d.) employee must be able to make unlimited contributions
How many months can a life insurance policy normally be backdated from the date of application?
a.) 3
b.) 6
c.) 9
d.) 12
b.) 6
Page 3 SC life and health insurance exam.pdf
, SC life and health insurance exam 4 2026-02-28
An example of elective cosmetic surgery would be
a.) reconstructive breast surgery after a mastectomy
b.) removing excess fat from an insured's waistline
c.) surgery to correct a birth defect
d.) reconstructive surgery after suffering injuries from an automobile accident
b.) removing excess fat from an insured's waistline
What is Medicare Part B also known as?
a.) supplementary medical insurance
b.) medicare supplement
c.) comprehensive insurance
d.) medicaid
a.) supplementary medical insurance
Page 4 SC life and health insurance exam.pdf
