ALABAMA LIFE HEALTH EXAMINATION 2026
MANUAL QUESTIONS AND ANSWERS SURE A+
✔✔The Incontestable Clause has what effect on coverage? - ✔✔Misstatements on the
application will not negate coverage if a loss occurs following the incontestable period
✔✔In general, advertising would include each of the following EXCEPT: -
✔✔Communication of administrative matters
✔✔the authority of an insurance producer included in the agreement between the
producer and the company is known as - ✔✔expressed authority
✔✔if you decided to start withdrawing money at the end of the Accumulation Period,
your choices are each of the following EXCEPT: - ✔✔Tax-free stream of payments at
75%
✔✔Most life insurance policies - ✔✔will pay the face amount if the insured is killed while
a a passenger of a regularly scheduled commercial airliner
✔✔the kind of life insurance that acquires no cash value is - ✔✔term life
, ✔✔Offering to give a prospect anything of value not specified in the contract to
persuade the prospect to purchase the insurance is:
A) rebating.
B) twisting.
C) allowed.
D) encouraged. - ✔✔rebating
✔✔in the life insurance agency relationship, what party is the principal? - ✔✔the
insurance company
✔✔an individual otherwise qualified except for having taken and passed the
examination can be issued a temporary insurance producer license, which is valid for a
maximum period of - ✔✔six months
✔✔a term policy in which the protection remains constant for the term of the policy is -
✔✔level term
✔✔with the "reduce premium" dividend option, dividends will be used to - ✔✔apply to
the next premium due
✔✔a 20-pay life policy would indicate what? - ✔✔the premiums are paid for 20 years
✔✔the income period when a surviving spouse does not qualify for social security
survivor or retirement benefits is called the - ✔✔blackout period
✔✔in noncontributory group insurance plans, what percentage of eligible employees
must be covered by the plan? - ✔✔100%
✔✔a company chartered in alabama would be considered what type of insurance
company in ohio? - ✔✔foreign
✔✔which life insurance nonforfeiture option provides the same amount of death
protection as the original policy, but decreases the time coverage will remain in effect? -
✔✔extended term
✔✔which of the following is a tax advantage of a qualified retirement plan? - ✔✔all of
the above
✔✔Joe, whose life insurance policy has a waiver of premium rider, becomes disabled
for two years, during which time the company pays over $1,500 in premiums. Joe
recovers and now must - ✔✔begin paying the premiums again as they become due
MANUAL QUESTIONS AND ANSWERS SURE A+
✔✔The Incontestable Clause has what effect on coverage? - ✔✔Misstatements on the
application will not negate coverage if a loss occurs following the incontestable period
✔✔In general, advertising would include each of the following EXCEPT: -
✔✔Communication of administrative matters
✔✔the authority of an insurance producer included in the agreement between the
producer and the company is known as - ✔✔expressed authority
✔✔if you decided to start withdrawing money at the end of the Accumulation Period,
your choices are each of the following EXCEPT: - ✔✔Tax-free stream of payments at
75%
✔✔Most life insurance policies - ✔✔will pay the face amount if the insured is killed while
a a passenger of a regularly scheduled commercial airliner
✔✔the kind of life insurance that acquires no cash value is - ✔✔term life
, ✔✔Offering to give a prospect anything of value not specified in the contract to
persuade the prospect to purchase the insurance is:
A) rebating.
B) twisting.
C) allowed.
D) encouraged. - ✔✔rebating
✔✔in the life insurance agency relationship, what party is the principal? - ✔✔the
insurance company
✔✔an individual otherwise qualified except for having taken and passed the
examination can be issued a temporary insurance producer license, which is valid for a
maximum period of - ✔✔six months
✔✔a term policy in which the protection remains constant for the term of the policy is -
✔✔level term
✔✔with the "reduce premium" dividend option, dividends will be used to - ✔✔apply to
the next premium due
✔✔a 20-pay life policy would indicate what? - ✔✔the premiums are paid for 20 years
✔✔the income period when a surviving spouse does not qualify for social security
survivor or retirement benefits is called the - ✔✔blackout period
✔✔in noncontributory group insurance plans, what percentage of eligible employees
must be covered by the plan? - ✔✔100%
✔✔a company chartered in alabama would be considered what type of insurance
company in ohio? - ✔✔foreign
✔✔which life insurance nonforfeiture option provides the same amount of death
protection as the original policy, but decreases the time coverage will remain in effect? -
✔✔extended term
✔✔which of the following is a tax advantage of a qualified retirement plan? - ✔✔all of
the above
✔✔Joe, whose life insurance policy has a waiver of premium rider, becomes disabled
for two years, during which time the company pays over $1,500 in premiums. Joe
recovers and now must - ✔✔begin paying the premiums again as they become due
