1|Page
PEARSON VUE HEALTH INSURANCE
ACTUAL EXAM PREP 2026 ALL QUESTIONS
AND CORRECT DETAILED ANSWERS
ALREADY A GRADED WITH EXPERT
FEEDBACK |NEW AND REVISED
A married insured has an Accidental Death and Dismemberment
(AD&D) policy that names their sibling as the primary beneficiary and
their child as the contingent beneficiary. If the insured and their sibling
are both killed instantly in a train accident, the policy proceeds would be
paid to which of the following? - ANSWER- The insured's child
The Social Security program provides all of the following benefits
EXCEPT: - ANSWER- Workers compensation
Under a Guaranteed Renewable Accident & Health policy, an insurer
retains the right to: - ANSWER- Increase the premium rate for an entire
class of insureds
A Disability Income policy may provide benefits for which of the
following losses? - ANSWER- Residual Disability
Which of the following statements about the Medicare program is
CORRECT? - ANSWER- It is a federally sponsored program.
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A child has a physical impairment, attends school, and is incapable of
self-sustaining employment and/or self care. Which of the following
statements is CORRECT about the child's medical coverage under their
parent's group plan? - ANSWER- The child's coverage continues as long
as they are continually incapacitated and financially dependent on their
parent.
Suicide, pre-existing conditions and self-inflicted injuries are dealt with
in which of the following policy features? - ANSWER- Exclusions
The PRIMARY purpose of Medicaid is to: - ANSWER- Provide
Medical Expense coverage to persons below certain minimum income
requirements
Which of the following provisions designates to whom claim payments
are made? - ANSWER- Payment of Claims
Under an Accidental Death and Dismemberment (AD&D) policy,
insurable interest must exist at which of the following times? -
ANSWER- At the inception of the policy
When periodic claim payments are required under a long-term disability
income policy, an insurer MUST make payments to an insured at least
once every: - ANSWER- Month
, 3|Page
A 68 year-old employee that is covered by a group medical insurance
plan has medical expenses. The employee's company health plan is the: -
ANSWER- Secondary payor
An insured whose Disability Income policy contains a Change of
Occupation clause takes a new job in a more hazardous occupation and
fails to notify the insurer of the change. One year later, the insured
becomes disabled. The insurer will most likely take which of the
following actions? - ANSWER- Settle the claim according to what the
premiums would have purchased under the more hazardous occupation
The purpose of the Medical Information Bureau (MIB) is to: -
ANSWER- Share medical data among member companies
Which of the following laws requires an insurer to notify an applicant in
writing that an investigative consumer report may be made on the
applicant? - ANSWER- D. Fair Credit Reporting Act (Insurance
Information and Privacy Protection Act)
Which of the following statements is CORRECT about a Waiver of
Premium provision in a Disability Income policy? - ANSWER- D. It
allows the insured to maintain a policy in force while disabled and
unable to pay premiums.
The Internal Revenue Service (IRS) considers Disability Income
benefits paid under an employer-paid group Disability Income to be: -
ANSWER- C. fully taxable
PEARSON VUE HEALTH INSURANCE
ACTUAL EXAM PREP 2026 ALL QUESTIONS
AND CORRECT DETAILED ANSWERS
ALREADY A GRADED WITH EXPERT
FEEDBACK |NEW AND REVISED
A married insured has an Accidental Death and Dismemberment
(AD&D) policy that names their sibling as the primary beneficiary and
their child as the contingent beneficiary. If the insured and their sibling
are both killed instantly in a train accident, the policy proceeds would be
paid to which of the following? - ANSWER- The insured's child
The Social Security program provides all of the following benefits
EXCEPT: - ANSWER- Workers compensation
Under a Guaranteed Renewable Accident & Health policy, an insurer
retains the right to: - ANSWER- Increase the premium rate for an entire
class of insureds
A Disability Income policy may provide benefits for which of the
following losses? - ANSWER- Residual Disability
Which of the following statements about the Medicare program is
CORRECT? - ANSWER- It is a federally sponsored program.
,2|Page
A child has a physical impairment, attends school, and is incapable of
self-sustaining employment and/or self care. Which of the following
statements is CORRECT about the child's medical coverage under their
parent's group plan? - ANSWER- The child's coverage continues as long
as they are continually incapacitated and financially dependent on their
parent.
Suicide, pre-existing conditions and self-inflicted injuries are dealt with
in which of the following policy features? - ANSWER- Exclusions
The PRIMARY purpose of Medicaid is to: - ANSWER- Provide
Medical Expense coverage to persons below certain minimum income
requirements
Which of the following provisions designates to whom claim payments
are made? - ANSWER- Payment of Claims
Under an Accidental Death and Dismemberment (AD&D) policy,
insurable interest must exist at which of the following times? -
ANSWER- At the inception of the policy
When periodic claim payments are required under a long-term disability
income policy, an insurer MUST make payments to an insured at least
once every: - ANSWER- Month
, 3|Page
A 68 year-old employee that is covered by a group medical insurance
plan has medical expenses. The employee's company health plan is the: -
ANSWER- Secondary payor
An insured whose Disability Income policy contains a Change of
Occupation clause takes a new job in a more hazardous occupation and
fails to notify the insurer of the change. One year later, the insured
becomes disabled. The insurer will most likely take which of the
following actions? - ANSWER- Settle the claim according to what the
premiums would have purchased under the more hazardous occupation
The purpose of the Medical Information Bureau (MIB) is to: -
ANSWER- Share medical data among member companies
Which of the following laws requires an insurer to notify an applicant in
writing that an investigative consumer report may be made on the
applicant? - ANSWER- D. Fair Credit Reporting Act (Insurance
Information and Privacy Protection Act)
Which of the following statements is CORRECT about a Waiver of
Premium provision in a Disability Income policy? - ANSWER- D. It
allows the insured to maintain a policy in force while disabled and
unable to pay premiums.
The Internal Revenue Service (IRS) considers Disability Income
benefits paid under an employer-paid group Disability Income to be: -
ANSWER- C. fully taxable
