Louisiana Life and Health Insurance
Exam Questions Merged With Correct
Verified And Well Analyzed Answers,
Well Elaborated | Already Graded A+ |
2026 Latest Update!!!
A 55-year-old employee has worked part-time for his new employer for
3 months now, but has not been offered health insurance. What factor
has limited the employee's eligibility?
A. The total amount of time worked for the company
B. Age
C. Income
,D. Number of hours worked per week - ANSWER-D. Number of hours
worked per week
In order to be eligible for group health insurance through an employer,
an employee must typically work full-time and must have devoted one
to three months of service. In this case, the employee has been with
the employer long enough, but he does not work enough hours per
week.
A 70-year-old individual who bought a Part B Medicare policy 2 months
ago just began kidney dialysis treatments this week. The individual is
now applying for a Medicare supplement policy, which would begin in 8
months. Which of the following could the insurer do to avoid paying for
the dialysis?
A. Deny the supplement policy
B. Charge a higher premium
C. Declare a pre-existing condition
D. Permanently exclude coverage for dialysis - ANSWER-C. Declare a
pre-existing condition
,If an applicant is aged 65 or greater and applies for Medicare
supplement coverage while covered under Part B Medicare insurance,
an insurer cannot alter the price of coverage based on prior claims
experience or health status, provided that the application was made
during the first 6 months of Part B coverage. The insurer may, however,
exclude benefits during the first 6 months based upon a pre-existing
condition for which the policyholder received treatment during the 6
months before it became effective.
A business wants to make sure that if a key employee becomes
disabled, the business will be protected from any resulting loss. Which
kind of insurance will protect the business?
A. Management Loss
B. Business Loss
C. Business Disability
D. Individual Disability - ANSWER-C. Business Disability
A business can purchase Business Disability Insurance in order to
protect itself from losses resulting from the disability of key employees.
A group blanket health policy is best suited for which of the following?
, A. A small employer
B. A manufacturer
C. A large family
D. A summer camp - ANSWER-D. A summer camp
Group blanket health insurance policies are meant to cover members of
a group or association without evidence of insurability. Coverage is
usually limited to loss from specific causes.
A group policy used to provide accident and health coverage on a group
of persons being transported by a common carrier, without naming the
insured persons individually is called
A. Blanket Policy.
B. Activity policy.
C. Specified disease policy.
D. Certificate of Coverage Policy. - ANSWER-A. Blanket Policy.
Exam Questions Merged With Correct
Verified And Well Analyzed Answers,
Well Elaborated | Already Graded A+ |
2026 Latest Update!!!
A 55-year-old employee has worked part-time for his new employer for
3 months now, but has not been offered health insurance. What factor
has limited the employee's eligibility?
A. The total amount of time worked for the company
B. Age
C. Income
,D. Number of hours worked per week - ANSWER-D. Number of hours
worked per week
In order to be eligible for group health insurance through an employer,
an employee must typically work full-time and must have devoted one
to three months of service. In this case, the employee has been with
the employer long enough, but he does not work enough hours per
week.
A 70-year-old individual who bought a Part B Medicare policy 2 months
ago just began kidney dialysis treatments this week. The individual is
now applying for a Medicare supplement policy, which would begin in 8
months. Which of the following could the insurer do to avoid paying for
the dialysis?
A. Deny the supplement policy
B. Charge a higher premium
C. Declare a pre-existing condition
D. Permanently exclude coverage for dialysis - ANSWER-C. Declare a
pre-existing condition
,If an applicant is aged 65 or greater and applies for Medicare
supplement coverage while covered under Part B Medicare insurance,
an insurer cannot alter the price of coverage based on prior claims
experience or health status, provided that the application was made
during the first 6 months of Part B coverage. The insurer may, however,
exclude benefits during the first 6 months based upon a pre-existing
condition for which the policyholder received treatment during the 6
months before it became effective.
A business wants to make sure that if a key employee becomes
disabled, the business will be protected from any resulting loss. Which
kind of insurance will protect the business?
A. Management Loss
B. Business Loss
C. Business Disability
D. Individual Disability - ANSWER-C. Business Disability
A business can purchase Business Disability Insurance in order to
protect itself from losses resulting from the disability of key employees.
A group blanket health policy is best suited for which of the following?
, A. A small employer
B. A manufacturer
C. A large family
D. A summer camp - ANSWER-D. A summer camp
Group blanket health insurance policies are meant to cover members of
a group or association without evidence of insurability. Coverage is
usually limited to loss from specific causes.
A group policy used to provide accident and health coverage on a group
of persons being transported by a common carrier, without naming the
insured persons individually is called
A. Blanket Policy.
B. Activity policy.
C. Specified disease policy.
D. Certificate of Coverage Policy. - ANSWER-A. Blanket Policy.
