Pennsylvania State Health and Life Insurance Exam Prep Questions And
Answers (202472025)
Plan A - ✔✔Which of the following must be present in all medicare supplement plans?
National Do not call registry - ✔✔What was created to keep telemarketers from calling
consumers who do not wish to be contacted?
Indemnity - ✔✔Which insurance principle states that if a policy allows for greater compensation
than the financial loss incurred, the insured may only receive benefits for the amount lost?
Calls based from outside the United States - ✔✔Which of the following would not be considered
an expectation to the national do not call list?
A mutual insurer - ✔✔Insurance companies may be classified according to the legal form of
their ownership. The type of company organized to return any surplus money to their
policyholders is
Iron - ✔✔Which of the following is not a metal level of coverage offered under the patient
protection and affordable care act?
Prior to the time of application - ✔✔A long-term care shoppers guide must be presented at what
point
Medicare - ✔✔Which of the following programs is made up of 4 parts, where the first part is
paid for by FICA, and the second part is financed by premiums and payroll taxes?
Be responsible for at least 25% of total commissions collected by the office that he or she
manages - ✔✔A person applying for a manager or exclusive general agent license must meet all
of the following criteria EXCEPT
, Sickness - ✔✔Which of the following is an example of a peril covered in an accident and health
insurance policy?
Extended Term - ✔✔Which nonforfeiture option has the highest amount of insurance protection?
Sudden and Unforeseen - ✔✔A person steps off a streetcar and trips and breaks his ankle. This
type of injury can be described as
Separate Accounts - ✔✔A domestic insurer issuing variable contracts must establish one or more
Issuing sales material that are exaggerated - ✔✔Which of the following best describes a
misrepresentations?
Making derogatory oral statements about another's financial conditions - ✔✔Which of the
following best describes the unfair trade practice of defamation?
Control Specialists costs - ✔✔The gatekeeper of an HMO helps
It would not occur in a deferred annuity - ✔✔Which of the following is not true regarding the
accumulation period of an annuity
Antibiotics - ✔✔Which of the following hospice expenses would not be covered in a cost-
containment setting?
Predicted needs of the family after the insured's death - ✔✔Based on Human Life Value
Approach, which of the following is not used to calculate an individual's value of life?
Ownership - ✔✔What is the major difference between a stock company and mutual company
Answers (202472025)
Plan A - ✔✔Which of the following must be present in all medicare supplement plans?
National Do not call registry - ✔✔What was created to keep telemarketers from calling
consumers who do not wish to be contacted?
Indemnity - ✔✔Which insurance principle states that if a policy allows for greater compensation
than the financial loss incurred, the insured may only receive benefits for the amount lost?
Calls based from outside the United States - ✔✔Which of the following would not be considered
an expectation to the national do not call list?
A mutual insurer - ✔✔Insurance companies may be classified according to the legal form of
their ownership. The type of company organized to return any surplus money to their
policyholders is
Iron - ✔✔Which of the following is not a metal level of coverage offered under the patient
protection and affordable care act?
Prior to the time of application - ✔✔A long-term care shoppers guide must be presented at what
point
Medicare - ✔✔Which of the following programs is made up of 4 parts, where the first part is
paid for by FICA, and the second part is financed by premiums and payroll taxes?
Be responsible for at least 25% of total commissions collected by the office that he or she
manages - ✔✔A person applying for a manager or exclusive general agent license must meet all
of the following criteria EXCEPT
, Sickness - ✔✔Which of the following is an example of a peril covered in an accident and health
insurance policy?
Extended Term - ✔✔Which nonforfeiture option has the highest amount of insurance protection?
Sudden and Unforeseen - ✔✔A person steps off a streetcar and trips and breaks his ankle. This
type of injury can be described as
Separate Accounts - ✔✔A domestic insurer issuing variable contracts must establish one or more
Issuing sales material that are exaggerated - ✔✔Which of the following best describes a
misrepresentations?
Making derogatory oral statements about another's financial conditions - ✔✔Which of the
following best describes the unfair trade practice of defamation?
Control Specialists costs - ✔✔The gatekeeper of an HMO helps
It would not occur in a deferred annuity - ✔✔Which of the following is not true regarding the
accumulation period of an annuity
Antibiotics - ✔✔Which of the following hospice expenses would not be covered in a cost-
containment setting?
Predicted needs of the family after the insured's death - ✔✔Based on Human Life Value
Approach, which of the following is not used to calculate an individual's value of life?
Ownership - ✔✔What is the major difference between a stock company and mutual company
