NJ Accident and Health Producer Exam
Updated Actual Question and Answer
(2026/2027) | Grade A+
• which option enables the insured to purchase additional disability income protection at
specified future dates at the applicable premium rate at the attained age at the time of
future purchase? -✓✓ guaranteed insurability
• How do most disability policies handle the case of a recurrent disability occurring at
least 90 days after the first claim? -✓✓ it must be handled as a new claim for a new
period of disability, requiring a new elimination period
• in which type of insurance is individually purchased coverage commonly more
economical than group offered coverage? -✓✓ long term care insurance
• in which of the following types of contracts is only one party legally required to do
something after the insured has completed the act of paying the premium? -✓✓
unilateral
• Upon the issuance of a conditional receipt for a renewal when the premium is paid
AFTER the time granted by the insurer, what is the maximum amount of time for
reinstatement of the policy? -✓✓ 45 days
• in a home healthcare benefit, all of the following are eligible expenses EXCEPT
A. physical, occupational, or speech therapy
B. blood transfusions
C. medical social services
D. Intermittent part time nursing care -✓✓ B. blood transfusions
• which of the following coverage types pays a monthly cash benefit following the
elimination period for total disability due to accident or sickness? -✓✓ disability income
insurance
• which of the following refers to how often a premium is paid?
A. net
B. ratio
C. level
D. mode -✓✓ mode
• Obtaining consumer information reports under false pretenses is prosecutable by
which of the following?
, A. USA Patriot Act
B. state laws where the applicant lives
C. Fair Credit Reporting Act
D. Securities and Exchange Commission -✓✓ Fair Credit Reporting Act
• Which insurance plans are commonly offered through worksite (employer sponsored)
EXCEPT?
A. supplemental disability insurance
B. dental insurance
C. long term care insurance
D. medicare -✓✓ medicare
• what is the primary purpose of the Health Reimbursement Accounts (HRAs)? -✓✓ to
assist covered employees with the payment of medical expenses on a high deductible
plan funded though pre-tax contributions
• in which of the following does a covered employee agree to a reduction in
compensation so the amount can be used to cover medical expenses? -✓✓ flexible
spending account (FSA)
• if a company provides group disability insurance to its employees, which of the
following may be tax- deductible? -✓✓ the premiums paid by the company as a
business expense
• compared to basic hospital, medical and surgical policies, which type of insurance
provides broader coverage, fewer gaps, higher individual benefits, and higher policy
maximums? -✓✓ major medical insurance
• which one of the following is particularly important for an insurance producer to explain
to a client upon delivery of a life insurance policy? -✓✓ any exclusions
• a group conversation option may be used in all the following instances EXCEPT
A. loss of eligibility on the part of a class of insureds.
B. a life-changing event, such as marriage, divorce, or childbirth
C. the termination of the master policy
D. loss of coverage due to loss of employment -✓✓ B. a life-changing event, such as
marriage, divorce, or childbirth
• All of the following statements define pre-existing conditions EXCEPT
A. any health condition that existed before the effective date of the policy for which the
insured sought treatment.
Updated Actual Question and Answer
(2026/2027) | Grade A+
• which option enables the insured to purchase additional disability income protection at
specified future dates at the applicable premium rate at the attained age at the time of
future purchase? -✓✓ guaranteed insurability
• How do most disability policies handle the case of a recurrent disability occurring at
least 90 days after the first claim? -✓✓ it must be handled as a new claim for a new
period of disability, requiring a new elimination period
• in which type of insurance is individually purchased coverage commonly more
economical than group offered coverage? -✓✓ long term care insurance
• in which of the following types of contracts is only one party legally required to do
something after the insured has completed the act of paying the premium? -✓✓
unilateral
• Upon the issuance of a conditional receipt for a renewal when the premium is paid
AFTER the time granted by the insurer, what is the maximum amount of time for
reinstatement of the policy? -✓✓ 45 days
• in a home healthcare benefit, all of the following are eligible expenses EXCEPT
A. physical, occupational, or speech therapy
B. blood transfusions
C. medical social services
D. Intermittent part time nursing care -✓✓ B. blood transfusions
• which of the following coverage types pays a monthly cash benefit following the
elimination period for total disability due to accident or sickness? -✓✓ disability income
insurance
• which of the following refers to how often a premium is paid?
A. net
B. ratio
C. level
D. mode -✓✓ mode
• Obtaining consumer information reports under false pretenses is prosecutable by
which of the following?
, A. USA Patriot Act
B. state laws where the applicant lives
C. Fair Credit Reporting Act
D. Securities and Exchange Commission -✓✓ Fair Credit Reporting Act
• Which insurance plans are commonly offered through worksite (employer sponsored)
EXCEPT?
A. supplemental disability insurance
B. dental insurance
C. long term care insurance
D. medicare -✓✓ medicare
• what is the primary purpose of the Health Reimbursement Accounts (HRAs)? -✓✓ to
assist covered employees with the payment of medical expenses on a high deductible
plan funded though pre-tax contributions
• in which of the following does a covered employee agree to a reduction in
compensation so the amount can be used to cover medical expenses? -✓✓ flexible
spending account (FSA)
• if a company provides group disability insurance to its employees, which of the
following may be tax- deductible? -✓✓ the premiums paid by the company as a
business expense
• compared to basic hospital, medical and surgical policies, which type of insurance
provides broader coverage, fewer gaps, higher individual benefits, and higher policy
maximums? -✓✓ major medical insurance
• which one of the following is particularly important for an insurance producer to explain
to a client upon delivery of a life insurance policy? -✓✓ any exclusions
• a group conversation option may be used in all the following instances EXCEPT
A. loss of eligibility on the part of a class of insureds.
B. a life-changing event, such as marriage, divorce, or childbirth
C. the termination of the master policy
D. loss of coverage due to loss of employment -✓✓ B. a life-changing event, such as
marriage, divorce, or childbirth
• All of the following statements define pre-existing conditions EXCEPT
A. any health condition that existed before the effective date of the policy for which the
insured sought treatment.
