AAMI ACCOUNTING EXAM PREP GUIDE 2026 CORE ACCOUNTING PRINCIPLES AND SOLVED ITEMS

ACCIDENT AND HEALTH INSURANCE EXAM
PREP GUIDE 2026 QUESTIONS AND
ANSWERS GRADED A PLUS

◉ Coinsurance
Answer: controls policy over-utilization


◉ disability income insurance
Answer: substitute paycheck


◉ occupation
Answer: critical component in underwriting health insurance


◉ your occupation
Answer: if you can not do your job, you are disabled


◉ any occupation
Answer: if you can not do your job or any job you are reasonably
suited, then you are disabled


◉ totally disabled

, Answer: must stem from an accident or illness


◉ Presumptive Total Disability
Answer: - Loss of sight, speech, hearing, limbs


◉ short term disability income
Answer: benefit less than 2 years (less expensive)


◉ long term disability income
Answer: benefit more than 5 years


◉ social security rider (SIS)
Answer: promises to pay the $1,000 each month if social security
does not


◉ Additional Monthly Benefit (AMB) Rider
Answer: will pay the $1,000 while social security is deciding on
disability


◉ residual benefit limit rider
Answer: will pay a % of lost income until end of coverage