Pearson Vue Health Insurance Exam Latest
Exam 2026 | All Questions and Correct
Answers | Verified Answers | Graded A+
An individual appointed by an insurer to solicit applications for a policy of
insurance on its behalf is known as: ---------CORRECT ANSWER-----------------an
insurance producer
The Insurance Commissioner may revoke or suspend a producer's license if the
producer: ---------CORRECT ANSWER-----------------has forged another person's
name on an insurance application
Under a group health policy, an employee who has been covered under a
company's group health plan for six months and is terminated for cause MUST be
permitted to: ---------CORRECT ANSWER-----------------B. convert to an individual
policy without providing evidence of insurability
Credit Accident and Health insurance MUST provide coverage for a loss caused by:
---------CORRECT ANSWER-----------------disability
,In order for nonresident applicants to be eligible for an insurance producer
license in this state, they MUST: ---------CORRECT ANSWER-----------------B. hold a
like license in another state
Which of the following persons is authorized to enforce state insurance laws? -----
----CORRECT ANSWER-----------------The Insurance Commissioner
An individual may obtain a temporary insurance producer's license without
passing the licensing examination if the individual: ---------CORRECT ANSWER-------
----------is a deceased licensed producer's next of kin
Which of the following statements is CORRECT about insurance producers who
fail to satisfy the continuing education requirements? ---------CORRECT ANSWER---
--------------D. Their licenses will be suspended.
A producer may be guilty of misrepresentation if the producer: ---------CORRECT
ANSWER-----------------tells an insured the deductible on a policy is less than it
actually is
The major difference between a mutual insurer and a stock insurer is the: ---------
CORRECT ANSWER-----------------B. form of ownership permitted
,An insurer formed under the laws of a state other than this state is known as: -----
----CORRECT ANSWER-----------------a foreign company
Who is the chief officer responsible for enforcing insurance laws in North
Carolina? ---------CORRECT ANSWER-----------------The Commissioner of Insurance.
What is the North Carolina Life & Health Insurance Guaranty Association
(NCLHGA)? ---------CORRECT ANSWER-----------------An association that protects
policyholders by paying claims if an insurance company becomes insolvent.
What is a "domestic" insurance company in North Carolina? ---------CORRECT
ANSWER-----------------An insurer formed and incorporated under North Carolina
state law.
What is a "foreign" insurance company in North Carolina? ---------CORRECT
ANSWER-----------------An insurer formed in another U.S. state but licensed to
operate in North Carolina.
What is an "alien" insurance company? ---------CORRECT ANSWER-----------------An
insurer formed outside of the United States.
, What is "guaranteed issue" in North Carolina health insurance? ---------CORRECT
ANSWER-----------------The insurer must offer coverage to any eligible applicant
regardless of health status.
What is an HMO? ---------CORRECT ANSWER-----------------Health Maintenance
Organization — requires members to use network providers and get referrals for
specialists.
What is a PPO? ---------CORRECT ANSWER-----------------Preferred Provider
Organization — allows more flexibility to see providers both inside and outside
the network without referrals.
What is Medicaid? ---------CORRECT ANSWER-----------------A state and federally
funded program that provides health coverage to low-income individuals and
families.
What is NC Health Choice? ---------CORRECT ANSWER-----------------North Carolina's
version of the Children's Health Insurance Program (CHIP) for children in families
with income too high for Medicaid.
Exam 2026 | All Questions and Correct
Answers | Verified Answers | Graded A+
An individual appointed by an insurer to solicit applications for a policy of
insurance on its behalf is known as: ---------CORRECT ANSWER-----------------an
insurance producer
The Insurance Commissioner may revoke or suspend a producer's license if the
producer: ---------CORRECT ANSWER-----------------has forged another person's
name on an insurance application
Under a group health policy, an employee who has been covered under a
company's group health plan for six months and is terminated for cause MUST be
permitted to: ---------CORRECT ANSWER-----------------B. convert to an individual
policy without providing evidence of insurability
Credit Accident and Health insurance MUST provide coverage for a loss caused by:
---------CORRECT ANSWER-----------------disability
,In order for nonresident applicants to be eligible for an insurance producer
license in this state, they MUST: ---------CORRECT ANSWER-----------------B. hold a
like license in another state
Which of the following persons is authorized to enforce state insurance laws? -----
----CORRECT ANSWER-----------------The Insurance Commissioner
An individual may obtain a temporary insurance producer's license without
passing the licensing examination if the individual: ---------CORRECT ANSWER-------
----------is a deceased licensed producer's next of kin
Which of the following statements is CORRECT about insurance producers who
fail to satisfy the continuing education requirements? ---------CORRECT ANSWER---
--------------D. Their licenses will be suspended.
A producer may be guilty of misrepresentation if the producer: ---------CORRECT
ANSWER-----------------tells an insured the deductible on a policy is less than it
actually is
The major difference between a mutual insurer and a stock insurer is the: ---------
CORRECT ANSWER-----------------B. form of ownership permitted
,An insurer formed under the laws of a state other than this state is known as: -----
----CORRECT ANSWER-----------------a foreign company
Who is the chief officer responsible for enforcing insurance laws in North
Carolina? ---------CORRECT ANSWER-----------------The Commissioner of Insurance.
What is the North Carolina Life & Health Insurance Guaranty Association
(NCLHGA)? ---------CORRECT ANSWER-----------------An association that protects
policyholders by paying claims if an insurance company becomes insolvent.
What is a "domestic" insurance company in North Carolina? ---------CORRECT
ANSWER-----------------An insurer formed and incorporated under North Carolina
state law.
What is a "foreign" insurance company in North Carolina? ---------CORRECT
ANSWER-----------------An insurer formed in another U.S. state but licensed to
operate in North Carolina.
What is an "alien" insurance company? ---------CORRECT ANSWER-----------------An
insurer formed outside of the United States.
, What is "guaranteed issue" in North Carolina health insurance? ---------CORRECT
ANSWER-----------------The insurer must offer coverage to any eligible applicant
regardless of health status.
What is an HMO? ---------CORRECT ANSWER-----------------Health Maintenance
Organization — requires members to use network providers and get referrals for
specialists.
What is a PPO? ---------CORRECT ANSWER-----------------Preferred Provider
Organization — allows more flexibility to see providers both inside and outside
the network without referrals.
What is Medicaid? ---------CORRECT ANSWER-----------------A state and federally
funded program that provides health coverage to low-income individuals and
families.
What is NC Health Choice? ---------CORRECT ANSWER-----------------North Carolina's
version of the Children's Health Insurance Program (CHIP) for children in families
with income too high for Medicaid.
