NJ HEALTH AND ACCIDENT INSURANCE
ACTUAL 2026 CERTIFICATION EXAM REVIEW
AND STUDY GUIDE
◉ Employer sponsored group health insurance provides coverage
for which of the following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism.
Answer: alcoholism
◉ A Medicare supplement policy can be cancelled by the insurer for.
Answer: Nonpayment
◉ Which entity is responsible for regulating insurance advertising in
NJ?.
Answer: New Jersey Department of Banking and Insurance
◉ Which of the following are retained at the expense of an insurance
buyer to give advice on insurance needed by the buyer?
,Brokers and consultants
Insurance prospectors
Third-party adminstrators
Agents.
Answer: Brokers and consultants
◉ Written notice for a health claim must be given to the insurer ___
days after the occurrence of the loss..
Answer: 20
◉ In which of the following situations would the insurer be liable for
a loss?
a) The insured skipped a payment beyond the 31 day grace period
b) The insured was injured while participating in an illegal
occupation
c) The insured was given a notice of cancellation from the insurer
d) The insured suffered an injury as an innocent bystander during a
bank robbery.
Answer: d) The insured suffered an injury as an innocent bystander
during a bank robbery
, ◉ When a Medicare supplement policy is purchased during the open
enrollment period.
Answer: The policy must be issued regardless of health status
◉ In what form do disability income policies typically pay benefits?.
Answer: Periodic income
◉ What is considered to be the primary reason for buying life
insurance?.
Answer: Provide death benefits
◉ A newborn is required to be covered for ____ days from the
moment of birth.
Answer: 30
◉ Once an accident and health insurance policy has been in force for
___ year(s), the policy may NOT be contested by the insurer.
Answer: 2
◉ A doctor who accepts Medicare assignment agrees to which of the
following
ACTUAL 2026 CERTIFICATION EXAM REVIEW
AND STUDY GUIDE
◉ Employer sponsored group health insurance provides coverage
for which of the following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism.
Answer: alcoholism
◉ A Medicare supplement policy can be cancelled by the insurer for.
Answer: Nonpayment
◉ Which entity is responsible for regulating insurance advertising in
NJ?.
Answer: New Jersey Department of Banking and Insurance
◉ Which of the following are retained at the expense of an insurance
buyer to give advice on insurance needed by the buyer?
,Brokers and consultants
Insurance prospectors
Third-party adminstrators
Agents.
Answer: Brokers and consultants
◉ Written notice for a health claim must be given to the insurer ___
days after the occurrence of the loss..
Answer: 20
◉ In which of the following situations would the insurer be liable for
a loss?
a) The insured skipped a payment beyond the 31 day grace period
b) The insured was injured while participating in an illegal
occupation
c) The insured was given a notice of cancellation from the insurer
d) The insured suffered an injury as an innocent bystander during a
bank robbery.
Answer: d) The insured suffered an injury as an innocent bystander
during a bank robbery
, ◉ When a Medicare supplement policy is purchased during the open
enrollment period.
Answer: The policy must be issued regardless of health status
◉ In what form do disability income policies typically pay benefits?.
Answer: Periodic income
◉ What is considered to be the primary reason for buying life
insurance?.
Answer: Provide death benefits
◉ A newborn is required to be covered for ____ days from the
moment of birth.
Answer: 30
◉ Once an accident and health insurance policy has been in force for
___ year(s), the policy may NOT be contested by the insurer.
Answer: 2
◉ A doctor who accepts Medicare assignment agrees to which of the
following
